Paze + Chase: How to Stack 10x Points and $100 Back Per Card (2026 Guide)

Two live Paze promotions are running at the same time right now. One is great. Stacked together, they’re the best low-effort points-and-cash play of the year — if you understand how they actually work. Here’s the precise mechanics, the math, and the parts the hype is glossing over.

TL;DR

There are two separate Paze offers running simultaneously, and they reward opposite behavior:

1. Chase +10x Ultimate Rewards — an extra 10x points on top of your card’s normal earning when you check out with Paze, on up to $1,500/month per eligible card, through December 31, 2026. This rewards a few large purchases.
2. Paze “Spend $10, Get $10 Back” — a $10 statement credit on any qualifying $10+ Paze purchase, up to 10 times per card ($100 total), through September 10, 2026. This one is not Chase-specific and rewards many small purchases.

The smart move isn’t to pick one. It’s to run them on different transactions: harvest the easy $100/card with ten roughly-$10 buys, and separately route a planned large purchase (a United flight, a big online order) through Paze for the 10x. Read on for why mixing them up leaves money on the table.

What Is Paze?

Paze is a digital wallet — think PayPal or Apple Pay, but built by the consortium of major U.S. banks behind Zelle (Early Warning Services). It lets you check out at online merchants without handing the store your actual card number. Bank of America, Capital One, Chase, Citi, Wells Fargo, U.S. Bank, PNC, Truist and dozens of credit unions participate.

If you have a Chase card, there’s a good chance you can link it to Paze straight from the Chase app — no separate password or login required. That low setup friction is exactly why these two promotions are worth ten minutes of your time.

A fair warning before you get excited: the merchant list is small. Paze isn’t accepted nearly as widely as PayPal or Apple Pay yet. The current roster includes United Airlines, Newegg, Dunkin’, Sephora, ShopRite, StubHub, Domino’s, Fanatics, Wendy’s, Whataburger, 1-800-Flowers, Kay/Jared/Zales, Omaha Steaks, Roku, and a handful more. You can check the live list at paze.com’s merchant directory before planning anything.

Promo #1: Chase’s +10x Ultimate Rewards Bonus

What you get

When you pay with an eligible Chase card through Paze checkout, you earn an additional 10 Ultimate Rewards points per dollar — stacked on top of whatever that card already earns.

• Cap: $1,500 in Paze purchases per month, per eligible card (= up to 15,000 bonus points per month, per card)
• Runs through: December 31, 2026
• Posting time: bonus points typically appear within ~8 weeks of the transaction posting

Why it’s really +10x, not just 10x

The “10x” is a bonus on top of your card’s normal earning, which changes the headline number depending on what you buy and which card you use:

That 15x on the Freedom Flex is the rare, genuine “15x” you’ve seen in headlines — it only happens in that specific rotating-category overlap, not on general spend.

Which Chase cards are eligible

Currently personal cards only — no business cards:

• Chase Sapphire Reserve
• Chase Sapphire Preferred
• Chase Freedom Flex
• Chase Freedom Unlimited
• Chase Freedom (legacy, no longer open to applications)
• Chase United personal cards — Club, Quest, Explorer, Gateway (this one has been showing up as a targeted email offer, not universal)

Promo #2: The New “Spend $10, Get $10 Back” Offer

This one launched June 15, 2026 and is the reason Paze suddenly went viral beyond the usual points crowd.

What you get

• $10 statement credit every time you spend $10 or more in a single Paze transaction at a participating merchant
• Redeemable up to 10 times per eligible card = up to $100 back per card
• Runs: June 15 → September 10, 2026
• Posting time: the credit shows up within ~2 billing cycles

The part most people miss

This offer is not limited to Chase. It works on essentially any eligible card you link to Paze — Chase, Citi, Capital One, Bank of America, and more, including debit cards. Most of us hold several cards across these banks, so the real ceiling isn’t $100 — it’s $100 per card. Ten cards, theoretically $1,000.

Two terms that matter:

• The offer is non-transferable and, per Paze’s language, may not trigger for everyone — so don’t count it as guaranteed until you see it.
• The offer must appear in your Paze wallet at checkout. If it isn’t displayed during that specific transaction, the purchase won’t qualify. Check before you click pay.

The Stack: Where This Gets Genuinely Good

Here’s the strategic insight that separates a smart approach from a sloppy one: these two promos reward opposite transaction sizes, so you should run them on different purchases.

• The $10/$10 caps the credit at $10 no matter how much you spend. So a $1,500 purchase “wastes” the offer — you’d burn one of your ten redemptions on a single big buy and get the same $10 you’d get from a $10 buy. You want ten transactions of roughly $10 each.
• The 10x caps at $1,500/month. So small purchases barely move the needle. You want to route large, planned spend through it.

Worked example — harvesting the $100 (the easy money)

Buy a $10 gift card from Newegg through Paze with an eligible Chase card, and here’s what one transaction produces — and what it adds up to across all ten redemptions:

Repeat across the offer window and you’ve pulled $100 in credits plus ~1,100 points per card, for buying gift cards you’ll spend anyway. Newegg is popular here because it sells gift cards for Disney, Airbnb, DoorDash, airlines and more — so you’re effectively pre-funding real spending at a discount. (Caveats on this below; read them.)

Worked example — the 10x on a big purchase

Booking a $1,500 United flight on the Sapphire Reserve through Paze:

That’s 21,000 UR points on a single flight you were buying anyway — on top of the Sapphire Reserve’s usual airfare protections. Note the $1,500 here also maxes that card’s monthly 10x cap, so plan large purchases across months if you have more than $1,500 to route.

The triple stack

The Paze bonus also stacks with shopping portals (Rakuten, Rove), Capital One Offers/Shopping, and card-linked merchant offers. The standout example for premium cardholders: routing StubHub purchases through Paze stacks with the Sapphire Reserve’s annual StubHub credits and a shopping portal — three layers on one transaction.

Step-by-Step: Setting Up Paze

1. Open the Chase app → tap More → Digital Wallets → Paze.
2. Link your eligible cards. You’ll see all your cards listed — note that you can link cards (Marriott, Southwest, Hyatt, etc.) that don’t carry the 10x benefit. Linkable ≠ eligible for 10x.
3. At an eligible merchant, add items to cart, choose Paze as the payment method at checkout.
4. Enter the phone number or email tied to your Chase account; your linked cards appear.
5. Pick the card with the best multiplier to stack (e.g., CSR for airfare). Confirm the $10/$10 offer is showing in your wallet if you’re chasing that credit.
6. Continue back to the merchant to complete the purchase

TIP: Remember the 10x is only on select cards like the sapphire and freedom cards. Even though you may be able to link additional cards from Chase and other banks, those won’t earn 10x points.

The Honest Caveats (Read This Before You Go Buy Gift Cards)

This is where most write-ups get quiet. The opportunity is real, but so are the failure modes.

Don’t manufacture spend on a new card mid-welcome-offer. Banks watch new accounts closely, and a sudden run of gift-card buys is a classic shutdown trigger. If you just opened a Chase card and are still working toward a sign-up bonus, let it earn that bonus on the ordinary, everyday spending the bank expects to see — not a stack of Newegg orders. A few thousand points and a hundred bucks aren’t worth torching the account and the relationship. Run these promos on established cards.

Newegg gift cards are hit-or-miss. Delivery can be slow, popular cards sell out, and orders are occasionally canceled after the fact. Before buying, check whether the same gift card is available at a steeper discount elsewhere — sometimes it is.

The connection process is buggy. A meaningful number of otherwise-eligible users currently can’t link their cards. Known fixes that have worked for some: delete and reinstall the Chase app and restart your phone, or fully opt out of Paze (Chase app → More → Digital Wallets → Paze → opt out via Paze.com) and re-enroll. If it still fails, call the number on the back of your card.

Both offers are conditional. The 10x is targeted; the $10/$10 is non-transferable and must display at checkout. Verify each before assuming you’ll get paid.

Assume this could end early. A “spend $10, get $10 back, ten times, on nearly any card” offer is unusually generous, and offers like this sometimes get pulled or tightened before their stated end date once volume spikes. Don’t build elaborate plans around a window that may shorten. If you want the $100/card, the lowest-regret move is to start now and not wait.

Frequently Asked Questions

Is the Paze 10x offer available on all Chase cards? No. It’s currently personal cards only (Sapphire Reserve, Sapphire Preferred, Freedom Flex, Freedom Unlimited, legacy Freedom, and targeted United personal cards). No business cards, and authorized users are excluded. Confirm yours under Rewards & Benefits → Card Benefits.

Can I combine the 10x bonus and the $10/$10 credit on the same purchase? Technically yes, but it’s inefficient. The $10/$10 caps the credit at $10 regardless of spend, so use small (~$10) transactions for that offer and save large purchases for the 10x.

Does the $10/$10 offer work on non-Chase cards? Yes. It works on most eligible credit and debit cards across participating banks (Citi, Capital One, Bank of America, and others), up to $100 back per card.

When do the rewards post? The $10 statement credits appear within about two billing cycles. The 10x bonus points typically post within about eight weeks of the transaction.

When do these offers expire? The $10/$10 credit runs June 15 – September 10, 2026. The Chase 10x bonus runs through December 31, 2026.

What’s the best single merchant to use? For the $100/card grab, Newegg gift cards (with the caveats above). For the 10x, any large planned purchase from a participating merchant — United flights are the classic example for Sapphire cardholders.

The Bottom Line

The $10/$10 offer is the rare promotion that’s worth doing even if you’ve never thought about points in your life — it’s close to free money on cards you already carry, and it expires September 10. The Chase 10x is a quieter, longer play for people who can route real spending through a still-limited merchant list before year-end.

Do both. Just keep them in separate lanes: small transactions for the cash, big transactions for the points — and don’t let the excitement talk you into manufacturing spend on an account that can’t afford the scrutiny.