Paze Checkout: How to Earn Bonus Points and Credits

By Bryce Casson, Founder · Cardocrat · Updated August 2026

The short answer: Paze is a bank-backed online checkout wallet that hides your card number from merchants, and its real value is promotions. Right now Paze is running a Spend $10, Get $10 Back deal, up to 10 times per card for $100 total, through September 10, 2026, on eligible cards from supported banks including Capital One, Chase, Citi, Bank of America, PNC, Truist, U.S. Bank, and Wells Fargo. Chase has separately handed Sapphire and Freedom cardholders bonus Ultimate Rewards (such as 10x) for paying via Paze. These offers are time-limited, so confirm the live deal and participating merchants before you count on it.

What Paze is

Paze is an online checkout option from the bank-owned company behind Zelle, supported by major banks including Chase, Bank of America, Capital One, Citi, U.S. Bank, Wells Fargo, PNC, and Truist, along with many other banks and credit unions. You do not download an app; at a participating merchant you select Paze or enter the email tied to your bank, and it checks you out without sharing your real card number, similar in spirit to a mobile wallet.

The current Spend $10, Get $10 Back promo

The headline deal right now is a Paze-wide promotion: spend $10 or more at a participating merchant, pay with Paze, and get $10 back as a statement credit, repeatable up to 10 times per card for as much as $100 back. It runs through September 10, 2026, and the credit typically posts within about two billing cycles. Capital One has promoted it heavily, but because Paze is a shared bank wallet the same deal applies across eligible cards from supported issuers, so you can potentially earn it separately on more than one of your cards. You just have to activate your Paze wallet first, which takes a minute and needs no new app.

How to max it out: up to $100 per card

Because the credit is capped at 10 times per card, the play is ten separate $10 purchases on each eligible card, and because every $10 spend comes back as a $10 credit, a purchase right at the $10 minimum is effectively free once the credit posts. So keep each transaction close to $10 rather than overspending, and repeat it ten times across participating merchants. The offer is per card in your wallet, so if you hold more than one eligible card, say a Capital One and a Chase, you can run the full ten on each and stack up to $100 apiece. The cleanest way to do it without spending anything extra is to route purchases you would make anyway through Paze, or to load a balance you will actually use, for example adding $10 at a time to a coffee or food app. One practical wrinkle to know: although the ten-credit cap is per card and not per merchant, individual merchants and Paze itself throttle repeated purchases at the same store, so the offer often stops showing after a purchase or two at one place, and it may be hidden while a prior credit is still pending. If it disappears, the dependable fix is to spread your remaining $10 buys across several different participating merchants rather than hammering one. Paze throttles repeat purchases at the same store aggressively, often to the point that a second attempt there is blocked at checkout even on a different card, so do not count on reloading a single merchant like a coffee app ten times. The badge in your wallet is the real signal: if the $10 back offer is not next to your card at a merchant, move on to a different merchant. Because the pool of easy participating merchants is limited and shrinks as the promo gets abused, be realistic that you may bank several credits rather than the full ten per card. Two honest caveats: business cards generally cannot be added to Paze, so this is mostly a personal-card play, and maxing several cards means dozens of small $10 checkouts, so it is worth the effort only when the merchants are places you already shop.

The bonus-points angle

Beyond flat credits, the reason points people watch Paze is bonus earning. Chase has offered Sapphire and Freedom cardholders extra Ultimate Rewards, for example an additional 10 points per dollar, for paying through Paze at participating online merchants for a limited window. Stacked on top of a spend-and-get-back credit, that can turn an ordinary online purchase into a heavily boosted one while the promo lasts.

How to use it and stack it

At checkout, choose Paze and select an eligible card to capture whatever offer is live, so you earn the promo credit or points on top of the card’s normal earning. Because these offers are time-limited and merchant-specific, confirm the current promotion and participating stores before relying on it, since terms and end dates change. See reward stacking for combining it with portals and offers.

See exactly what an award costs

Stop guessing at point values. Look up the real award price and live availability for a specific trip before you transfer.

Search award flights on seats.aero →

Frequently asked questions

What is the Paze Spend $10, Get $10 Back offer?

It is a limited-time Paze promotion running through September 10, 2026: spend $10 or more at a participating merchant, pay with Paze, and get a $10 statement credit, up to 10 times per card for as much as $100 back. It works on eligible cards from supported banks including Capital One, Chase, Citi, Bank of America, PNC, Truist, U.S. Bank, and Wells Fargo, plus many other banks and credit unions, and the credit posts within about two billing cycles.

Is Paze worth using?

Mainly for promotions. On its own it is just a secure checkout wallet, but when there is a live deal, like the current Spend $10, Get $10 Back offer or Chase bonus Ultimate Rewards for paying via Paze, it can turn ordinary online spending into real cash back or boosted points.

How do I earn the bonus with Paze?

Activate your Paze wallet, then at a participating online merchant choose Paze at checkout and pay with an eligible card to capture the current offer. Confirm the live promotion and end date first, since these deals are time-limited and change often.

Can you buy $10 gift cards to hit the Paze minimum?

Sometimes, but be careful. Paze has excluded most dedicated gift-card sellers and many third-party gift cards from the offer, so those purchases will not earn the credit and the offer will not appear next to your card at checkout. What has worked is loading a participating merchant’s own balance, such as adding a $10 gift card to a coffee or pizza app you already use, which counts as a real $10 purchase and leaves you store credit you will actually spend. The reliable test is simple: if the $10 back offer shows next to your card in the Paze wallet at that merchant’s checkout, it qualifies; if it does not show, it will not.

Are business cards eligible for the Paze offer?

Usually not. Paze is a consumer checkout wallet, so business cards generally cannot be added, which means the promo is mostly a personal-card play. The only way to know for sure is to try adding a card to your Paze wallet and see whether it takes and shows the offer.