Chase is paying 10 extra points per dollar when you check out with Paze at participating merchants. Work out exactly what that's worth on every eligible card.
Two questions, one number.
Whose cards are earning. Each one gets its own $1,500 monthly cap.
Type it however you like — "$40 at Dunkin with my Freedom Unlimited". It reads the amount, the shop and the card, and works out the points. Runs entirely in your browser: no account, no AI, nothing sent anywhere.
Separate from the Chase points offer, and it stacks. $10 statement credit on any qualifying $10+ Paze purchase, up to 10 times per card.
Strategy note: this promo and the +10x promo want opposite behavior. A $10 Dunkin' order captures a full $10 credit; a $1,500 United flight captures the same $10. Burn the credits on ten small purchases, save the big spend for the points cap.
Tap a square each time a $10 credit posts. Saved in this browser. Your Chase cards come from the planner tab — add any other Paze-eligible card below.
Paze works with Chase, Bank of America, Capital One, Citi, PNC, Truist, U.S. Bank, Wells Fargo and a growing list of credit unions — credit and debit. Every card is worth its own $100, so a household can stack several.
The details that trip people up.
Paze is not a Chase product. It's an online checkout wallet from Early Warning Services — the company behind Zelle — jointly owned by Chase, Bank of America, Capital One, Wells Fargo, U.S. Bank, PNC and Truist. It launched in late 2023. Your eligible cards are enrolled automatically; you don't sign up. Paze itself has no rewards program. The 10x is purely a Chase promotion layered on top.
Personal cards only. No business cards qualify.
United cards work differently. The United offer is targeted (check email or your Chase account banner), pays MileagePlus miles rather than Ultimate Rewards, and is capped at 20,000 bonus miles total for the whole promo — not per month.
Exclusions. Gift card merchants, balance transfers and cash advances don't count. Newegg was removed from the bonus on June 30, 2026.
The real constraint is merchant selection. Roughly 25 retailers accept Paze at all. Maxing $1,500/month per card means genuinely wanting to spend there.
What each one likely codes as, which drives your base earn rate.
| Merchant | Likely category | Best base rate | +10x? |
|---|
Merchant category codes aren't published by Chase and can change. Rows marked with ? are the ones most likely to surprise you — verify with a small purchase before planning a big one around them.
| Card | Fee | Currency | Rates |
|---|
Sapphire Preferred rates reflect the refresh that took effect June 15, 2026. Freedom Flex Q4 2026 rotating categories hadn't been announced as of July 27, 2026.