How to Earn Up to $100 in Paze Credits Before September 10

Paze, a new mobile wallet service, is running a limited-time promotion that allows cardholders to earn $10 statement credits on eligible purchases through September 10. The mechanics are straightforward: spend at least $10 at a participating retailer using Paze, and receive a $10 credit back to your card. You can repeat this up to 10 times per card, meaning eligible cardholders can accumulate up to $100 in credits per card across the promotion period.

The service supports cards from major issuers including Chase, Citi, Capital One, Wells Fargo, U.S. Bank, and Bank of America. Participating retailers span quick-service dining and specialty retail, with confirmed merchants including Domino’s, Whataburger, Wendy’s, Sephora, and Dunkin’. The growing network of Paze-enabled stores suggests more retailers may be added before the Sept. 10 deadline.

How Paze Works

What Paze Is

Paze functions as a digital intermediary between your payment cards and retailers—similar in concept to PayPal, Venmo, or Apple Pay. Rather than paying the merchant directly with your card, you route the transaction through Paze’s platform. The service leverages existing bank integrations, meaning many of your cards may already be linked through Paze without requiring manual setup from scratch.

Getting Started

Setting up Paze varies by card. Some cards come pre-loaded through the bank integrations mentioned above, while others require you to enter the three-digit CVV from the back of the card at checkout. First-time users should note that not all retailers offer Paze at every point of sale—some include the option only on their website, others only in their mobile app, and a few support it in both locations. When you reach checkout, you may need to expand the payment method list to locate Paze as an option.

Confirming Your Eligibility

Once at checkout, confirm the $10 statement credit promotion banner appears before completing your purchase. This visual confirmation ensures your transaction qualifies for the offer. Without the banner, the transaction may process without triggering the credit.

The Mathematics of the Promotion

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The fundamental offer is a dollar-for-dollar credit: spend $10 or more, receive $10 back. The cap of 10 credits per card across all participating retailers means the maximum benefit per card is $100. For a household with multiple eligible cards, the total potential savings scales accordingly.

A family managing several rewards cards from the supported issuers could theoretically capture $300–$500 in credits before Sept. 10. One cardholder reported accumulating $360 in statement credits within weeks of the promotion launch, with potential for an additional $100–$200 by the deadline by deploying remaining eligible cards. The timeframe is tight—just over two weeks remain—so deployment strategy matters.

Strategically, the math favors consolidating multiple smaller purchases rather than one large transaction. While you must exceed the $10 threshold, spending $11 on a $9.99 item yields the same $10 credit as spending $30. A family buying groceries, meal components, or coffee across multiple transactions can front-load their usage of each card’s 10-credit allowance before the Sept. 10 cutoff.

Eligible Retailers and What You Can Buy

Confirmed Merchants

Paze supports transactions at major chains including:

• Domino’s (pizza delivery and carryout)
• Whataburger (quick-service dining)
• Wendy’s (quick-service dining)
• Sephora (beauty and skincare)
• Dunkin’ (coffee and bakery items)

These merchants span casual dining, specialty retail, and convenience categories, covering everyday spending that most households already do.

Ineligible Purchases

Some items within participating retailers fall outside the promotion scope. Third-party gift cards—such as e-gift cards sold through secondary channels like Newegg—do not qualify. However, direct purchases of products and services from the merchant itself generally do. For example, gift cards purchased directly through Dunkin’s own app or website have been confirmed as eligible.

Expanding Participation

The Paze merchant network is described as short but growing, suggesting additional retailers will be added before the promotion ends. Cardholders monitoring new additions may find increased flexibility in how they deploy their credits as the deadline approaches.

Stacking Rewards and Maximizing Value

Beyond the $10 statement credit, cardholders can accrue additional benefits. Using an eligible Chase card on Paze transactions earns 10 points per dollar spent, capped at $1,500 per month through the end of the year. This means a cardholder spending the maximum $1,500 on Chase-eligible Paze transactions in a single month receives an extra 15,000 points on top of the statement credits.

Simultaneously earning Paze credits and merchant-specific loyalty rewards multiplies the benefit. A purchase at Sephora via Paze yields the $10 statement credit, applicable Chase points if using Chase, plus Sephora’s Beauty Insider points. A meal at Whataburger stacks the $10 credit, Chase points, and Whataburger rewards. Over the course of the promotion, a household participating heavily in the program can accumulate meaningful balances across multiple loyalty ecosystems.

The real-world calculus became apparent when one family reported not just $360 in statement credits, but significant concurrent accumulation of points in Sephora, Whataburger, Domino’s, Wendy’s, and Dunkin’ programs. They described intentionally splitting purchases—ordering family lunches in multiple transactions around the $10–$12 mark—to maximize the number of credit triggers while staying efficient with spend.

Card Support and Bank Requirements

Paze accepts cards from six major issuers: Chase, Citi, Capital One, Wells Fargo, U.S. Bank, and Bank of America. Not every card from these banks may be eligible—issuer terms vary—but a broad swath of rewards cards and co-branded cards from these institutions are supported.

The key operational requirement is ensuring you track which of your cards have already used their 10 credits. Once a card hits the cap, future Paze transactions with that card will not trigger the $10 credit. Tracking becomes straightforward after a transaction or two, and most users report the process becoming second nature.

Is the Effort Worth It?

The promotion requires deliberate action. You must remember to use Paze at checkout rather than defaulting to a tap or swipe. You need to monitor which card is in your Paze wallet. You should confirm the promotion banner appears before finalizing the purchase. For some users, this friction feels like a complication they don’t need. For others, the economics make it worthwhile.

One frequent Paze user summarized the mindset shift: once the initial setup completed, the ongoing process felt routine rather than burdensome. Mentioning to family members—you can get whatever you want for dinner, as long as it’s kind of free—reframed the experience from a cost-cutting exercise into a game with tangible rewards. This psychological framing may be as valuable as the credits themselves when motivation wanes.

With everyday costs elevated across food, retail, and services, the Paze promotion offers a straightforward path to reduce summer spending. For a family willing to add a few minutes of friction to their checkout process over the next three weeks, the $100 to $500 in available credits can make a material dent in the budget before the Sept. 10 deadline.