Chase Pay is an easy-to-use payment app that can also offer you discounts at select merchants. To learn more, here's our full review.

Mobile payments are one of the fastest growing technologies in the finance industry. There are dozens of companies that are trying to create payment systems that will become popular and capture the greatest market share.

While some like Apple Pay and Android Pay are based on specific hardware platforms, others are created by major banks.

Chase Pay is a mobile payment system that allows your to simplify your payments online and in select stores.

Chase Pay basics

Mobile app

Chase Pay is a mobile app that’s offered for both Apple and Android devices. The Chase Pay app can be used to create secure, scannable QR codes (square, black and white barcodes) that can be scanned at select retailers including Starbucks, Best Buy, Shell, and Walmart.

Chase Pay can also allow you to place your orders in advance at thousands of restaurants.

Discounts

Chase Pay also offers special discounts at featured merchants. For example, gas stations that accept Chase Pay can offer fuel loyalty perks and additional Chase Ultimate Rewards® points on eligible cards.

When used online, participating websites allow you to use Chase Pay to complete your purchase with just one click, populating your shipping and billing information. Best of all, there’s no charge to use Chase Pay.

Chase pay cannot be used to manage your credit cards or debit card accounts, pay bills, or transfer money. To perform these functions, use the Chase Mobile app or login to Chase.com.

Using Chase Pay

You can use Chase Pay at participating stores and online where you see the Chase Pay logo. The available options include:

  • Order: For ordering food from a nearby restaurant.
  • Pay: To display a QR code that you can scan at the register.
  • Wallet: Shows your recent transactions using your Chase cards. This is also where you add your loyalty cards.
  • More: This is where you can redeem rewards, see eGift card balances, and find nearby stores that accept Chase Pay.

Earning and redeeming rewards with Chase Pay

Store loyalty cards

Do you keep a keychain or wallet full of loyalty cards for your favorite merchants? Chase Pay allows you to store loyalty cards so that you can apply any available offers or discounts when you check out. In addition, Chase Pay allows you to earn the same credit card rewards you normally do with your Chase cards.

Use Chase Ultimate Rewards®

You can also use your Chase Ultimate Rewards® points to pay for purchases made by Chase Pay. You can redeem you points for a statement credit using the Chase pay app or online with any merchants that use Chase Pay as a payment method.

If you don’t have enough points to pay for the entire purchase, you can use your rewards to pay for just a portion. When you redeem your points this way, you’ll get $0.80 for every 100 points redeemed.

How it works

To use your Chase Ultimate Rewards® points to make a purchase with the app, you first tap the blue Pay button at the bottom of the Chase Pay app screen. Then, you just tap the image of the  credit card account that you want to use points from, located directly below the QR code. Finally, you tap the slider button to use points, and it will turn blue when activated.

Chase Freedom Flex℠, Chase Sapphire Preferred® Card and J.P. Morgan credit card members can also use Chase Pay to redeem their Chase Ultimate Rewards® points for eGift Cards to use at participating merchants. Theses eGift Cards are electronic versions of merchant gift cards.

Chase cards that can earn you rewards

These cards can earn you the most rewards that you can then use with Chase Pay:

Chase Freedom Flex℠

In A Nutshell

The Chase Freedom FlexSM offers an enticing $200 sign-up bonus after spending $500 in the first three months.  Plus cash back rewards on travel, dining, drugstore and every day purchases with rewards that never expire. All for no annual fee!

Read review
Apply Now On the Secure Website

In A Nutshell

The Chase Freedom FlexSM offers an enticing $200 sign-up bonus after spending $500 in the first three months.  Plus cash back rewards on travel, dining, drugstore and every day purchases with rewards that never expire. All for no annual fee!

Read review
Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
  • Good/
  • Excellent
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • Awesome $200 cash back bonus after spending $500 on purchases in the first 3 months from account opening.

  • Earn 5% cash back on travel booked through Chase Ultimate Rewards® and on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter, plus earn 1% on all other purchases.

  • 0% Intro APR on purchases and balance transfers for 15 months from account opening on purchases, then a variable APR of 17.24% – 25.99%.

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24% - 25.99%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom FlexSM card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Intro APR Purchases
0% Intro APR on Purchases for 15 months
Intro Term Purchases
15 months
Intro APR Balance Transfers
0% Intro APR on Balance Transfers for 15 months
Intro Term Balance Transfers
15 months
Regular APR
17.24% - 25.99% Variable
Annual Fee
$0

Apply Now >>

With the Chase Freedom Flex℠ card, you’ll earn 5 percent cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.

You can also earn a $200 bonus after you spend $500 on purchases in your first three months from account opening.

Plus more cash back opportunities: 5% cash back on travel purchased through Chase Ultimate Rewards®; 3% cash back on dining and drugstore purchases; 1% cash back on all other purchases.

Read our full Chase Freedom Flex℠ review. 

 

Chase Sapphire Preferred® Card

In A Nutshell

The Chase Sapphire Preferred® Card sets the standard for travel rewards by offering an excellent 5x points on travel purchases through Chase Ultimate Rewards®, 3x points on dining and 2x points on all other travel purchases. And points are worth 25% more when you redeem travel through Chase Ultimate Rewards® – That means the killer 60,000 point sign-up bonus is worth $750 towards travel.

Read review
Apply Now On the Secure Website

In A Nutshell

The Chase Sapphire Preferred® Card sets the standard for travel rewards by offering an excellent 5x points on travel purchases through Chase Ultimate Rewards®, 3x points on dining and 2x points on all other travel purchases. And points are worth 25% more when you redeem travel through Chase Ultimate Rewards® – That means the killer 60,000 point sign-up bonus is worth $750 towards travel.

Read review
Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
  • Excellent
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • A monster of an up-front bonus; 60,000 bonus points after spending $4,000 in the first three months.

  • 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining, 2X points on all other travel purchases, plus more.

  • Points are worth 25% more when you redeem travel through Chase Ultimate Rewards®

  • 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.
Intro APR Purchases
N/A
Intro Term Purchases
0 months
Intro APR Balance Transfers
N/A
Intro Term Balance Transfers
0 months
Regular APR
18.24% - 25.24% Variable
Annual Fee
$95

Apply Now >>

With the Chase Sapphire Preferred® Card you’ll earn 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining, 2X points on all other travel purchases, and 1 point per dollar spent on all other purchases.

In addition, new cardmembers can earn up to $750 worth of travel rewards (when you redeem through Chase Ultimate Rewards®) after spending $4,000 on purchases in the first 3 months from account opening. (In the form of 60,000 bonus points).

Read our full Chase Sapphire Preferred® Card review. 

Using Chase Pay to order ahead at restaurants

To use the order ahead feature, choose a merchant to see their menu and available offers. Then, tap an item to add it to your order, which can customize depending on the options at that merchant.

When you’re ready to check out, review your order, including the costs, credits applied, and payment card. Last, tap “Place order,” and the order will be sent to the restaurant, which will let you know when to pick it up. When you get there, you can go right to pickup area because you’ve already paid with Chase Pay.

Other systems like Chase Pay

Chase Pay is just one of many emerging electronic payment systems. Here’s a brief overview of some others;

Venmo

This system, which is owned by PayPal is primarily a digital wallet that allows you to send money to other people.

It’s free to send money between bank accounts, but not surprisingly, there’s a charge for using a credit card. As primarily a peer-to-peer system, it isn’t accepted at many merchants.

Google Pay

This service allows you to send money between bank accounts for free, with a surcharge for credit card use. You can also send money from person to person.

Google Pay has its own app, but also allows you to pay with other apps that accept Google Pay. Google Pay can also be used for public transit in cities like Chicago, Las Vegas, London, and Portland, Oregon.

Paypal

Paypal is primarily an online payment system, but it also allows peer-to-peer payments and is accepted in some stores.

Apple Pay

This payment system is exclusive to compatible iPhones and watches. It also allows  peer-to-peer payments and is widely accepted in many, but not all stores.

Android Pay

Like Apple Pay, this system support peer-to-peer payments and is accepted in some stores. Of course, it’s only compatible with Android devices.

Samsung Pay

This is very similar to Android Pay, but newer Samsung phones also include Magnetic Secure Transmission technology that makes it compatible with most standard credit card readers.

Summary

Chase Pay is an easy-to-use payment app that can also offer you discounts at select merchants. If you’re a Chase customer, you can use your Chase Ultimate Rewards® through Chase Pay.

Read more

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About the author

Total Articles: 35
Jason Steele has been writing about credit cards, travel and personal finance since 2008, and is passionate about using his cards to travel for free. Jason contributes to many of the top personal finance and travel sites and has been widely quoted in mainstream media as a credit card expert. Jason lives in Denver Colorado where he enjoys bicycling, snowboarding and flying. You can follow Jason on Twitter, Facebook or on his website.