Kristen
Every once in a while a promotion comes along that makes me stop mid-scroll and reach for a spreadsheet. This is one of those. Paze — the online checkout wallet run by the big banks — is giving you a $10 statement credit every time you spend $10 or more at a participating merchant. You can earn that credit up to ten times, which means up to $100 back. And here’s the part that made my numbers-person heart skip: the $100 cap is per card in your Paze wallet, not per person.
Let me walk you through it, because this one is worth setting up tonight. The points can add up fast.
First, what is Paze?
If you haven’t heard of Paze, you’re not alone — it’s still fairly new. Think of it as a digital wallet offered directly by your bank or credit union instead of by Apple or Google. When you check out online at a participating store, you click the Paze button, pick a card, and pay without typing in your 16-digit card number. The merchant never sees your actual card details, which is a nice little security bonus on top of everything else. The key word here is online. It doesn’t work quite like Apple pay where you can scan through a Paze app. But, boy, I hope that is in the works!
The banks behind it include most of the names already in your wallet: Bank of America, Capital One, Chase, Citi, PNC, Truist, U.S. Bank, and Wells Fargo, plus a long list of credit unions. If you bank with any of them, there’s a good chance your cards are already sitting in a Paze wallet waiting to be activated. You activate through your bank’s app or website (or at mywallet.paze.com), and there’s no fee and no enrollment step for the offer itself. Activate, shop, done.
Not sure which of your cards qualify? That’s the easiest question in this whole post to answer: activate your Paze account and add your cards to your wallet. Any card that’s eligible will show up right there — no guessing, no digging through terms.
The deal, by the numbers
From June 15 through September 10, 2026, every single transaction of $10 or more made through Paze checkout at a participating merchant earns a $10 statement credit. Do that ten times on one card and you’ve collected $100.
Pause and appreciate what that actually is. I’m at Dunkin’ every single morning — and a $10 Dunkin’ order that comes back as a $10 credit is a 100% return. Not 2% cash back. Not 5x points. One hundred percent. In three years of chasing points, I can count the number of true 100%-back opportunities on one hand. (One honest catch for my fellow coffee people: my medium iced coffee alone doesn’t clear the $10 bar. Coffee plus a breakfast sandwich does, and so does ordering for two. Ten dollars is the magic number — build your order around it.) Since I go to Dunkin in-person, I just need to use the app to place by order and select Paze as my method of payment.
Now multiply it. Every eligible credit or debit card in your Paze wallet gets its own $100 cap. My husband and I each have multiple eligible cards between our Chase, Capital One, and Citi accounts. Four eligible cards in this house means a potential $400 back for spending we were mostly going to do anyway. If your kids have an eligible debit card, that’s another $100 sitting on the table — and I know my teens will be happy to enjoy free coffee and pizza.
Where to spend the $10
The participating merchant list is the fun part, because it’s full of small everyday purchases: Dunkin’, Domino’s, Sephora, Newegg, and United are among the featured names, and the full merchant directory on Paze’s site keeps growing. The sweet spot is anything you’d naturally spend $10–15 on. A coffee run, a Tuesday pizza night, a birthday gift — each one turns into a $10 rebate as long as the single transaction clears $10.
A few rules worth knowing so you don’t lose a credit on a technicality. The $10 minimum applies per transaction, so two $6 orders won’t combine. If you split a purchase between Paze and another payment method, only the amount charged through Paze counts toward the minimum. Some merchant categories are excluded — pharmacies, gambling, financial products, and a handful of others — so this isn’t a loophole for buying gift cards. And credits take up to two billing cycles to appear, so don’t panic when your first one doesn’t post overnight.
Have a Chase card? There’s a second offer stacked on top
While Paze is handing out $10 bills, Chase is quietly running its own promotion on the exact same checkout button — and this one is a points-earner’s dream. Through December 31, 2026, five Chase cards earn an extra 10x Ultimate Rewards points on Paze purchases at participating merchants: the Sapphire Reserve, Sapphire Preferred, Freedom, Freedom Unlimited, and Freedom Flex. Personal cards only — business Ink cards and co-branded cards don’t qualify.
The 10x is on top of your card’s normal earning. Book a United flight with your Sapphire Preferred through Paze checkout and you earn the card’s usual 2x plus the bonus 10x — 12 points per dollar on airfare you were buying anyway. The bonus is capped at $1,500 in Paze purchases per month per card, which works out to as much as 15,000 extra points a month. There’s nothing to activate; if you hold an eligible card, you’re already enrolled.
Here’s the strategy piece, because these two offers actually reward opposite behavior. The $10-back deal pays the same $10 whether you spend $10 or $1,000 — so it wants lots of small purchases. The Chase 10x scales with spending up to that $1,500 monthly cap — so it wants your big planned purchases. Don’t burn one of your ten credits on a large order. Harvest the $100 with ten small buys, and separately route the big stuff (flights, a large online order) through Paze on a Chase card for the points. Same checkout button, two different jobs.
One housekeeping note: Chase removed Newegg from the 10x offer as of July 1, so don’t count on it for the points side.
And yes, you can layer Rakuten on top of that
If you’ve read my Rakuten posts, you already know where this is going. Shopping portals track your click, not your payment method — which means checking out with Paze doesn’t break the Rakuten stack. Several Paze merchants show up on Rakuten regularly (Sephora and Fanatics are the ones I’d watch), so the full play looks like this: click through Rakuten first, shop the merchant, then choose Paze at checkout with your eligible card.
Run the numbers on a $50 Sephora order with a Chase Freedom Unlimited during a 4% Rakuten window: $10 back from the Paze credit, 500 bonus Ultimate Rewards from the Chase 10x, 75 points from the card’s own 1.5x, and roughly 200 BILT Rewards from Rakuten (if you’ve set it to earn BILT points like I have). That’s $10 cash plus nearly 800 points across two currencies on a single fifty-dollar purchase. Triple stacks like this are why I keep telling you the portal click is the cheapest habit in this hobby.
How to keep it all straight (I built you a tracker)
Ten credits per card, multiple cards per household, an $11.47 Dunkin’ order here and a $23 Fanatics order there — this is exactly the kind of promotion where value leaks out because nobody’s counting. So I built a tracker for it.
You pick your card first, then log each purchase with the store, the total, and the date. Every qualifying purchase punches one of ten squares, and the tracker keeps a running total of what you’ve earned per card and across your whole wallet. It flags anything under $10 so you know it didn’t count, and it counts down the days until the September 10 deadline. Everything stays in your own browser — I never see your data.
Between our four cards, my goal for the summer is the full $400. I’ll report back with our real numbers, because you know I will.
Ten coffee runs, one hundred dollars, zero excuses.
