New Chase Ink Pay Yourself Back Categories: Internet, Phone & More


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The Chase Pay Yourself Back program was launched at the start of the pandemic to give cardholders another way to get more value from their Ultimate Rewards points without having to book travel. Even as the world opens up again, the Pay Yourself Back feature is still going strong, offering reimbursements at a higher rate for qualifying daily expenses.

If you have the Ink Business Preferred® credit card or Ink Business Plus® credit card (which is no longer available to new applicants), you now have more ways to use your rewards through Pay Yourself Back. Until September 30, 2021, cardholders can redeem points with an additional 25% value (1.25 cents per point) for purchases of qualifying internet, cable and phone services.

Read more: How to use Chase Pay Yourself Back

This is in addition to the existing Chase Ink Pay Yourself Back home improvement and shipping categories, which were set to expire on June 30, 2021. These categories are now extended until September 30, 2021 – and qualifying charity purchases are still a category until December 31, 2021 also.

Meanwhile, Ink Business Unlimited® no annual fee and Ink Business Cash® credit card holders are not left out. They too will get a bonus on Internet, Cable and Phone Pay Yourself Back redemptions, but that’s 10% (1.1 cents per point) instead of the 25% bonus offered on Ink Business Preferred credit cards. ® and Ink Business Plus®. Credit card members.

New reimbursement categories

Regular APR

15.99% -20.99% Variable APR

Credit score

Good to Excellent

Featured Reward

100,000 points after spending $ 15,000 on purchases in the first 3 months after opening the account

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  • Advantages and disadvantages

  • Details


  • Benefits
    • High sign-up bonus
    • Offers 3x bonus points on multiple expense categories, including travel and advertising purchases
    • Includes comprehensive travel coverage
    The inconvenients
    • The welcome bonus has a very high minimum spending requirement
    • Earn 100,000 bonus points after spending $ 15,000 on purchases in the first 3 months after opening the account. This is $ 1,000 or $ 1,250 cash back for travel when redeemed through Chase Ultimate Rewards®
    • Earn 3 points per $ 1 on the first $ 150,000 spent on travel and select business categories each anniversary year of the account. Earn 1 point per $ 1 on all other purchases
    • With fraud protection, your card transactions will be monitored for possible signs of fraudulent activity with real-time fraud monitoring.
    • With Zero Liability, you will not be held responsible for any unauthorized charges made with your card or account information.
    • Redeem your points for cash back, gift cards, travel and more – your points do not expire while your account is open
    • Points are worth 25% more when redeemed for travel through Chase Ultimate Rewards®
    • Purchase Protection covers your new purchases for 120 days against damage or theft up to $ 10,000 per claim and $ 50,000 per account
    • $ 95 annual fee

    Read our review
    Read our review A long arrow, pointing to the right

    Adding Internet, cable, and phone service purchases as reimbursement categories on Chase Ink cards is very helpful if you want to reduce your reimbursable charges on these common expenses.

    Chase’s definition of these services is quite broad and includes:

    • the Internet
    • Cable
    • Satellite television and radio
    • Cellular
    • Wireless data
    • Landline phones

    However, it is important to note that if you pay for these services in a merchant’s store, it may not be coded as a service and may not qualify as a Pay exchange. Yourself Back (for example, if you pay your AT&T bill at an AT&T store rather than online or by mail).

    Read more: The best Chase credit cards in 2021

    The new categories on Chase Ink cards are a nice complement to the Pay Yourself Back categories on other Chase cards like the Chase Sapphire Reserve®, Chase Sapphire Preferred® Card, Chase Freedom Unlimited® and Chase Freedom Flex℠. Sapphire cardholders can redeem points for grocery, restaurant, and home improvement purchases, and Freedom cardholders get a 10% bonus on up to $ 250 in meal purchases for one. limited time.

    Here is a summary of all the options currently available:

    No activation is required to redeem points via Pay Yourself Back. Once an eligible debit is posted to your account, you can “wipe” the purchase by logging into your Chase account online and applying points to cover all or part of the transaction.

    Keep in mind that the Ink Business Preferred® credit card already earns 3 times the points on internet, cable and phone services (up to $ 150,000 per year, combined with travel, social media advertising and shipping, then 1x). And the Ink Business Cash® credit card earns 5x points (5% cashback) up to $ 25,000 per year on the Internet, cable, phone service, and in office supply stores (then 1x).

    Using your eligible Ink card for these expenses is a win-win, as you will still earn rewards on purchases you clear with Pay Yourself Back.

    Read more: How to Earn, Redeem & Maximize Chase Ultimate Rewards Points

    That said, if you have the Ink Business Preferred® credit card (or the Chase Sapphire Preferred® or Chase Sapphire Reserve®), you also have the option to transfer points to Chase airline and hotel partners or redeem points through the Chase Travel Portal at an enhanced rate. If you have any upcoming travel plans, you might be better off saving your points for award flights or hotel reservations and skipping the Pay Yourself option.

    Jasmin Baron is an Associate Editor at Personal Finance Insider, where she helps readers maximize rewards and find the best credit cards for their lifestyle. She has covered credit cards, points and miles, and loyalty programs for over seven years, and is a Certified Personal Finance Educator (CEPF).

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    Featured Reward

    3 free nights (worth up to 50,000 points each) after spending $ 3,000 in the first 3 months, plus 10x the total points per $ 1 spent for a maximum of $ 2,500 of combined purchases in certain categories in your first 6 months

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