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A new year means new Chase Pay Yourself Back categories for most of the credit cards earning Ultimate Rewards. Here is a look at how to maximize your rewards points during the first quarter of 2022 (January 1, 2022, to March 31, 2022).

The first quarter Chase Pay Yourself Back categories for 2022 include office supplies and internet services for select cards. Male warehouse worker verifying inventory using tablet at a warehouse. Credit: AT&T

Ink Business Cash Credit Card and Ink Business Unlimited Credit Card

The Chase Ink Business credit cards without an annual fee have a 10% Pay Yourself Back redemption bonus. These cards include the Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card.

Eligible 1st quarter categories for the Ink Business cards are:

  • Office supplies
  • Internet, cable, and phone services
  • Select charitable donations

However, your points are only worth 1 cent if you request a general cash statement credit instead of using this feature to erase a purchase.

Related: The Best Chase Business Credit Cards 2022

Ink Business Preferred Credit Card

The Ink Business cards with an annual fee have a 25% redemption bonus for these purchases:

  • Office supplies
  • Internet, cable, and phone services
  • Select advertising
  • Select charitable donations

These first quarter Chase Pay Yourself Back categories for 2022 can add extra oomph to your new year purchases.

This 25% bonus applies to the Ink Business Preferred® Credit Card and the discontinued Ink Plus.

Vote on Next Ink Pay Yourself Back Category

Additionally, as a little bit of excitement for the 2nd quarter of 2022, Chase is letting Ink customers vote on the Pay Yourself Back category. Your two options are gas stations or home improvement stores.

You will receive a notification by email about the winner.

Chase Sapphire Reserve

Now onto the first quarter Chase Pay Yourself Back categories for 2022 for consumer cards. The bonus categories for the Chase Sapphire Reserve® remain the same as the 4th quarter 2021 promotions. Additionally, your redemption bonus is 50%.

  • Airbnb
  • Away
  • Dining
  • Select charities

However, these categories are set to expire on March 31, 2022.

Airbnb Plus – Nashville. Credit: Airbnb

Chase Sapphire Preferred Card

Additionally, the bonus categories for the Chase Sapphire Preferred® Card are as follows:

  • Airbnb
  • Away
  • Select charities

Plus, your redemption bonus is 25%, similar to the travel redemption bonus. Additionally, these categories also expire on March 31, 2022.

Chase Freedom

This quarter, the Chase Freedom card family is only offering participating charities as a Pay Yourself Back category. Additionally, your donations can be eligible for a 10% redemption bonus. This first quarter Chase Pay Yourself Back categories for 2022 can be a nice way to begin the year.

However, while these cash back cards are sitting out this quarter, you still have the chance to earn up to 5% back on the rotating Chase Freedom 1st quarter bonus categories!

Once activated, the first $1,500 in combined spending at grocery stores and eBay earn 5% back (then 1% back) from January 1, 2022, to March 31, 2022. Unfortunately, grocery purchases at Walmart and Target are ineligible.

This bonus is for these two rewards cards:

Related: Comparing the Chase Freedom Flex and Freedom Unlimited


In conclusion, the first quarter Chase Pay Yourself Back categories for 2022 can help you get more out of your Chase credit cards. The Pay Yourself Back feature remains a popular benefit for the Ultimate Rewards credit cards. In addition to earning bonus points, this redemption perk is another effortless way to maximize your spending.


Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

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