Offer period: June 15, 2026 through September 10, 2026.
If you’ve linked a credit or debit card to Paze recently, you may have noticed something unusual at checkout: a banner offering $10 back for every $10 you spend, up to ten times per card. That’s a potential $100 in statement credits on each eligible card, just for using Paze as your payment method, and you have until September 10 to use it up.
It sounds almost too generous to be real, and as you’ll see below, parts of it have already changed since the offer opened on June 15. Here’s what the offer actually involves, what’s still working, and what to watch out for.
What Paze Is
Paze is a digital checkout wallet backed by a large group of banks and credit unions, including Chase, Bank of America, Capital One, Citi, PNC, Truist, U.S. Bank, and Wells Fargo. It works similarly to PayPal or Apple Pay: instead of typing in your card number at checkout, you select Paze and pick which linked card to use. It comes from the same company behind Zelle, and this promotion is clearly designed to get people in the habit of choosing it.
The Offer
The terms are straightforward. Spend $10 or more at a participating merchant, choose Paze at checkout, and you get a $10 statement credit back, no enrollment needed beyond activating your Paze wallet. You can repeat this up to ten times per card, for a maximum of $100 back per card. If you have multiple eligible cards across different banks, the $100 cap applies separately to each one.
The promo runs from mid-June through September 10, 2026, though credits can take up to two billing cycles to actually post to your statement, so don’t expect instant gratification.
On top of the $10 back, some Chase cards are also offering 10 bonus points per dollar spent through Paze checkout, on top of whatever you’d normally earn. That stacking is what initially made this so appealing: a $10 gift card purchase could net you the gift card for free, plus extra rewards points.
Where People Tried to Maximize It
Because the $10 minimum is so low, attention quickly turned to small gift cards. Several retailers sell gift cards in $10 denominations, and buying ten of them per card, one transaction at a time, was the most direct way to hit the full $100. A popular electronics retailer that also sells third-party gift cards became the go-to spot, since it carried $10 cards for places like Uber, Home Depot, CVS, Chipotle, Disney, and more, all through a single checkout flow that accepted Paze.
A donut and coffee chain’s app was another common route, since buying a new gift card there (rather than reloading an existing one) triggered the Paze option, and balances could be merged onto a single card afterward.
What’s Already Changed
This is the part worth paying close attention to before you sink hours into chasing the full $100 per card. The most lucrative loophole, buying stacks of third-party gift cards through that electronics retailer, didn’t last. Within a day of the promo gaining attention, the retailer stopped allowing Paze as a payment method for third-party gift card purchases. A company representative explained that usage had become heavily concentrated at one merchant, which ran against the program’s stated goal of encouraging broad use of Paze across many retailers over time.
There’s been some back and forth since. At one point the retailer’s own branded gift cards (not third-party ones) became unavailable for Paze too, then came back with a higher minimum purchase requirement. The coffee and donut app reportedly kept working for a while longer, though reload options for existing balances were also cut off, leaving only fresh gift card purchases as an option.
Separately, Chase has announced that purchases at that electronics retailer will stop qualifying for the bonus points multiplier starting July 1, even though the base $10 back promo continues elsewhere through September.
The takeaway: any specific workaround you read about right now may already be gone by the time you try it. The overall $10 back promo is still alive, but the easiest way to redeem it in bulk has been actively shut down as the company notices high-volume usage.
A Few Things to Know Before You Try This
Read the fine print on fraud and abuse. The official terms state that if Paze or a participating bank determines you’ve engaged in abuse, misuse, or gaming of the offer, they can deem you ineligible and reverse credits already issued, or block you from earning more. Buying ten $10 gift cards back to back is exactly the kind of pattern that could draw scrutiny, even if it’s technically within the letter of the offer.
Prepaid cards are explicitly excluded. The terms exclude “prepaid cards” from the offer, and it remains a genuine open question whether gift cards count as a prepaid card for these purposes. Several bloggers have reported that a company representative confirmed gift card purchases would qualify, but that confirmation hasn’t been independently verified through anything more concrete than secondhand reporting. Treat it as encouraging, not guaranteed.
Credits take time. Because statement credits can take up to two billing cycles to post, you could end up with a stack of small gift cards and no certainty about the credit until weeks later. If the credit never arrives, you’re left holding gift cards you may not have wanted in the first place.
Order delays and cancellations have been common. People buying gift cards in bulk have reported waiting hours, sometimes most of a day, for confirmation emails or for gift card codes to actually arrive. Retailers have also been known to cancel orders once you exceed a handful of the same card in a short period.
A More Sensible Way to Approach This
Given how quickly the bulk gift card route got shut down, and the real chance some of these credits never materialize, the more reasonable approach is:
- Activate Paze on cards you already use regularly, through your bank’s app under digital wallet settings.
- Use it for purchases you were going to make anyway. If you’re ordering food from a participating restaurant, booking something through a travel or event site that accepts Paze, or buying a gift card for a store you actually shop at, just choose Paze at checkout. If the $10 back materializes, it’s a nice bonus. If it doesn’t, you haven’t lost anything since you needed that purchase regardless.
- Avoid buying things purely to game the offer, especially in large batches. Between the explicit anti-abuse language in the terms and the company’s swift response to concentrated usage at one merchant, there’s real risk that aggressive attempts to max out $100 per card across many cards could get credits clawed back or accounts flagged.
- Check current merchant eligibility before you commit to a plan. This promo has changed multiple times within days of launching, so whatever workaround is circulating may already be outdated.
Bottom Line
The Paze offer is a genuinely good deal if you treat it as a bonus on spending you’d do anyway. It’s a much riskier bet if you’re trying to systematically extract the full $100 per card through bulk gift card purchases, since the most efficient way to do that has already been restricted once and could be restricted further. Use it, enjoy the savings, but don’t build elaborate plans around loopholes that may not survive the week.