(Expired) Chase Sapphire Reserve Pay Yourself Back Categories: Gas, Insurance, Utilites, Gym, Annual Fee (1.25% Cashout)

Update 4/1/25: Categories have changed, see updated categories in this post

Update 3/27/25: The United annual fee PYB rates got a bit worse when the annual fees to updated; it’s now like 1.4 – 1.6 cents per point. (ht DeMarDeBooty)

Update 12/18/24: Categories have been extended through March 31, 2025

Original Post:

Here is the new list of the Pay Yourself Back categories on the Chase Sapphire Reserve card, valid through January 31, 2025:

• Utilities 1.25 cents per point
• Insurance 1.25 cents per point
• Fitness Clubs and Gym Memberships 1.25 cents per point
• Also available, as before: Gas Stations 1.25 cents per point
• Also available, as before: Annual Fee 1.25 cents per point
• (They’ve removed Wholesale Clubs and Pet Stores as options)
• (I’m not seeing anything above 1% on the INK cards, other than the select charities with 25% bump.)

A lot of people won’t be happy given the removal of Wholesale Clubs. On the other hand, I think utilities and insurance are actually easy categories to use and find these more easily useful.

• Chase Aeroplan PYB is 1.25 cents per point on Travel purchases and annual fee through 12/31/25.
• The Chase Southwest PYB 1 cent per point toward cover the annual fee (nothing else is eligible any longer, just the annual fee).
• The Chase United PYB for the Annual Fee (between 1.5 and 1.75 1.4 and 1.6 cents per point, depending on the card version). No expiration date for this one.