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Paze is giving up to $100 back per card right now. Spend $10 or more through Paze at checkout, get $10 back as a statement credit, up to 10 times per card, through September 10, 2026. If you carry an eligible Chase Sapphire or Freedom card, a second offer stacks on top: an extra 10 points per dollar at participating merchants, through the end of the year.

They're two separate promos with separate rules. Here’s how each works, which cards qualify, and where each applies.

Paze is a digital wallet built by the banks themselves, the same group behind Zelle. You add your cards once, then check out with Paze at participating online stores instead of typing your card number. No new app to download. It usually lives inside your bank's website or app under digital wallet settings.

The reason it's paying you is adoption. Paze is newer than Apple Pay or PayPal and has a shorter merchant list, so the banks are buying usage with cash back and points.

Spend at least $10 in a single Paze transaction with an eligible merchant, get a $10 statement credit back on that card. You can do it up to 10 times per card, which caps out at $100 back per eligible card. The offer runs June 15 through September 10, 2026.

It's a statement credit. You pay full price at checkout, and the $10 lands on your statement afterward, sometimes within days, sometimes slower. Add more than one eligible card and each card gets its own $100 ceiling, so a two-card household is looking at up to $200 in credits.

Both offers run through "participating merchants," and the roster is a curated subset of everywhere Paze is accepted, not the full list. Current names include:

Note: the $10 back merchant list and the Chase 10x merchant list overlap a lot but aren't guaranteed to match, and they run on different end dates.

We’ve also seen criteria changing. Newegg removed gift card purchases from the $10 offer when users were deemed to be abusing the system. Before you count on a store qualifying, check the current merchant directory on Paze's site.

The good news is that many cards qualify. Participating banks include Bank of America, Capital One, Chase, Citi, PNC, Truist, US Bank, and many other banks and credit unions.

The bank issuer has to opt your specific card into the promo, so not every card from those banks is automatically in. Some of the popular cards included are:

For a few minutes of setup, yes. It's money back on spending you'd do anyway: a Sephora restock, Dunkin' run, a Domino's order. The $10 back offer alone runs up to $100 per card for buying things over $10. And it’s a bonus if you have an eligible Chase card for the additional 10x points (offer detailed below).

Some Reddit users are reporting problems with is gaming-style behavior: placing ten separate $10 orders in quick succession to bank the full $100 in an afternoon. Shoppers have reported that backfiring, with only 1 of 10 transactions crediting. Sephora shows up a lot in those complaints. Rapid-fire ordering also risks the merchant flagging or locking your account.

Space it out. One transaction every few days, or once a week, seems to read as normal shopping and keeps your credits posting. You have until September 10 for the $10 back offer and until December 31 for the Chase points, so there's no reason to cram ten orders into one sitting. Watch your statement, and if a credit doesn't post within a couple of weeks, contact the merchant or your bank.

This is the second, separate promo, exclusive to Chase cardholders. Check out with Paze on an eligible Chase Sapphire or Freedom card and earn an additional 10 points per dollar (10x) on top of your normal Chase Ultimate Rewards earning. It stacks with your regular category bonuses instead of replacing them.

The cap is $1,500 in combined purchases each month, which works out to up to 15,000 bonus points a month. It runs May 1 through December 31, 2026, a later end date than the $10 back offer. And it only applies at participating merchants, not everywhere Paze is accepted. Chase already trimmed the list once: it also dropped Newegg from the 10x offer on June 30, 2026, though the store still takes Paze.

The 10x is limited to the personal Sapphire and Freedom family:

Business versions and co-branded Chase cards, the airline and hotel cards, don't earn the bonus. If you've been weighing a Sapphire or Freedom card anyway, put the current welcome offers next to this points boost and compare. Learn More about the Chase Sapphire Preferred® Card, Chase Sapphire Reserve® Card or the Chase Freedom Unlimited®.

How much can I earn from the Paze offer? Up to $100 in statement credits per eligible card from the Spend $10, Get $10 Back offer, which is $10 back on ten separate qualifying purchases of $10 or more. If you hold an eligible Chase Sapphire or Freedom card, you can also earn up to 15,000 bonus Chase Ultimate Rewards points a month from the separate 10x offer.

Which cards qualify for the Paze $10 back offer? Any eligible credit or debit card from a participating bank added to your Paze wallet, including cards from Bank of America, Capital One, Chase, Citi, PNC, Truist, US Bank, and many other banks and credit unions. Eligibility depends on your issuer opting the specific card in, so confirm it in the wallet.

Which Chase cards earn 10x points with Paze? The Chase Sapphire Reserve®, Chase Sapphire Preferred® Card, Chase Freedom Unlimited®, Chase Freedom Flex®, and the Chase Freedom® (closed to new applicants). Business and co-branded Chase cards do not qualify.

Do the two offers work at the same stores? Often, but not always. Both run at participating Paze merchants like Sephora, Dunkin', United Airlines, and StubHub, but the lists can differ and run on different end dates. Newegg, for example, came off the Chase 10x offer on June 30, 2026.

When do the Paze offers end? The Spend $10, Get $10 Back statement credit offer runs through September 10, 2026. The Chase 10x points offer runs through December 31, 2026.

Why didn't my Paze credit post? Tracking has been uneven, and placing many orders in quick succession has left some shoppers with only a fraction of the expected credits. Space your purchases out, watch your statement, and follow up with the merchant or bank if a credit is missing after a couple of weeks.

Rachel Points has partnered with CardRatings for our coverage of credit card products. Rachel Points and CardRatings may receive a commission from card issuers.