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Chase Ultimate Rewards : 10% off on Apple, Chipotle and Few Other Gift Cards

+25 Deal Score
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Chase Ultimate Reward Members can redeem their points towards Gift card with Few cards giving 10% off on point redemption.

Apple
Chipotle
Instacart
Subway
Wayfair
Gap
Domino's
Under Armour

and Few More

You can redeem the Digital gift card for any amount.
Also give option for Physical gift cards

https://ultimaterewardspoints.cha...gift-cards
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Created 12-03-2021 at 11:08 AM by SSood
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Joined Apr 2005
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#2
Interesting. I usually wait for 20% like Discover had not too long ago... is this the best Chase does on Chipotle cards?
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Joined Jul 2013
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#3
The best option is to use Pay Yourself Back (50% points bonus) if you have the eligible card. You can use it on food purchases. You're getting more out of the 50% bonus than you are getting 10% bonus points value on gift cards.
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#4
Quote from autosaver :
The best option is to use Pay Yourself Back (50% points bonus) if you have the eligible card. You can use it on food purchases. You're getting more out of the 50% bonus than you are getting 10% bonus points value on gift cards.
100% agree with this. The 10% discount isn't worth it when compared to getting a 50% bonus on dining or travel redemption.
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#5
Quote from autosaver :
The best option is to use Pay Yourself Back (50% points bonus) if you have the eligible card. You can use it on food purchases. You're getting more out of the 50% bonus than you are getting 10% bonus points value on gift cards.
Could you expand on this a bit?
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Joined Jul 2014
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#6
They have Happy Holidays with Lowe's as well. Anyone know if the Happy cards from Chase are the Visa kind like the ones from Discover?

I don't have any of the annual fee cards (CSP, CSR) so 10% is about as good as it gets in terms of redemption.
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#7
Quote from autosaver :
The best option is to use Pay Yourself Back (50% points bonus) if you have the eligible card. You can use it on food purchases. You're getting more out of the 50% bonus than you are getting 10% bonus points value on gift cards.
Yes but food isn't always a category that qualifies for pay yourself back, right?
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#8
Quote from ehong33234 :
Yes but food isn't always a category that qualifies for pay yourself back, right?
I've been using it on restaurants for the past year. Since covid began, they expanded the categories quite a bit to include dining.
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Joined Nov 2008
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#9
"We're unable to process your order at this time"
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Joined Nov 2009
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#10
Quote from autosaver :
I've been using it on restaurants for the past year. Since covid began, they expanded the categories quite a bit to include dining.
I have the Chase Freedom. How would I know if my card qualifies? Can you please assist on how you use the card on restaurants? I'm new to redeem at Chase. Thanks in advance!
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Joined Jun 2010
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#11
Bummer that the customer is responsible for the return shipping if they don't fit or something.
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#12
Quote from autosaver :
I've been using it on restaurants for the past year. Since covid began, they expanded the categories quite a bit to include dining.
Wasn't the last pay yourself back only 20%
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Joined Nov 2012
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#13
Pay Yourself Back categories and % vary based on the card you have. e.g. freedom flex and unlimited have 10% on wholesale clubs, departmental stores, etc., while CSR has 50% on dining, airbnb, even on the annual membership fee as of now. Go to UR page, select your card and go to Pay Yourself Back tab in the dropdown above and you should be able to see what % your card qualifies for.

In fact any gift card you buy directly from Chipotle, Dominos, Chickfila, Subway, etc. are categorized as dining, so you can double dip by using their promotions, and then redeeming 50% off through UR CSR pay yourself back. IMO best bang for buck, rather than just getting 10% off on gift cards straight via UR.
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