You're enrolled

You're in. Here's how to eat free.

Ten $10 credits per card, and every one of them has to land on a real $10+ order before September 10, 2026. Each one is big-bank marketing money, and you decide whose register it lands in. We say: the small kitchen down the street.

Find local spots Pro tips

The golden rule: look for the banner

When you pick your card inside the Paze checkout window, the "$10 back" offer banner must be showing. No banner, no credit — the order just costs you full price. If it's missing, back out and try another card, or try another merchant. Never pay and hope.

The good stuff

Find a local spot.

About 28,000 independent restaurants run their online ordering on Clover — and Paze usually turns up as a payment option at that checkout. That's the taqueria, the bakery, the wing place near your office — the independents Denver keeps losing (food licenses here are down ~24%). Every credit you spend is big-bank marketing money landing in a small kitchen's register — full price, plus your tip. Spend all ten like you mean it.

Where this list comes from: Clover's public online-ordering directory plus Google Maps ratings and cuisine labels, community-sourced via pazemap.com, snapshot July 28, 2026. Paze showing up at checkout is likely, not guaranteed — the offer banner in the Paze window is the only source of truth. If a spot doesn't show Paze, no big deal: try another. Non-restaurant shops are in here too, but heads up: some non-food categories — spas, beauty, specialty — are excluded by the offer terms even when the merchant happily takes Paze.

Your state

Search by name, city or ZIP

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Pick your state to see nearby spots.

Green dots are spots matching your filters — tap one for details. Saved spots turn gold. Pan to your corner of town, then flip on Only this map area to read it as a list instead of hunting dots. The same spots are listed below in text form, which is the accessible equivalent of this map.

Don't waste a redemption

Pro tips.

Eight things that separate "got all $100" from "got $30 and gave up." Starting with the one nobody thinks about.

Tip like it's free money — because it is.

The credit doesn't care how the $10 is made up — food, tax and tip all count toward it, and the shop keeps every cent. So the tip isn't costing you anything either. Buy a $5 coffee and tip $5. You get charged $10, the $10 comes back, and the person who made it is $5 better off.

A $5 coffee, tipped $5

Coffee$5.00

Tip$5.00

Charged to your card$10.00

Statement credit−$10.00

You paid$0.00

barista keeps $5

That's the whole move. You're out nothing, the coffee was free, and someone working a register got a $5 tip on a $5 drink.

Do it ten times and you've put $50 into the hands of people who make things for a living — paid for by a bank marketing budget, not by you. So don't tip what you'd normally tip. Tip like the money is free, because it is.

A megabank ad budget

Seven of the biggest banks in America are paying for this promo. It is, to them, a rounding error.

Your $10, back on the card

Ten times per card, at any of ~28,000 small kitchens and counters. You choose which one, every time.

A very good day for somebody

The shop is paid in full and the worker keeps the tip. Nothing is clawed back from either of them.

Why we're confident: the terms measure one thing — $10+ in a single approved transaction — with no exclusions for tip, tax or fees, so a $5 coffee plus a $5 tip clears it. Tax and shipping are confirmed to count, and tipping across the line has weeks of clean community reports behind it. Verified July 28, 2026.

Tax and fees count too

It's the total charged that has to clear $10, so in most states a subtotal around $9.30 gets there. Domino's $9.99 large pizza plus tax sails past it. Shipping and delivery charges on the same transaction count as well — whatever lands on your statement is what counts. (Tips too — see above.)

Never bundle orders

One credit per transaction. Two $10 orders = $20 back. One $20 order = $10 back. Splitting the family dinner into separate checkouts is the single highest-value habit here.

Rotate your cards

Each eligible card carries its own 10 credits. Once a card hits 10, switch to another card inside the Paze sheet and keep going — every card is worth another $100.

It's a statement credit

You pay full price at checkout. The $10 posts to the card about 5–10 days later (the terms allow up to two statement cycles). Seeing the full charge on your card is normal — don't panic.

Match your email

Use the same email address at the merchant that your bank and Paze have on file. Mismatches are a common cause of checkout failures.

Pickup beats delivery

Pickup keeps the total close to $10 — so more of the credit is actual profit — and sidesteps the open question of whether fees count toward the minimum.

Chase cards stack 10×

Chase Sapphire and Freedom cards earn 10× points on Paze checkout at select merchants through 2026, and it stacks with the $10 credit. The credit claws back the base points, but the 10× survives.

Personal cards only

Business cards generally don't earn. Stick to personal credit and debit cards from participating issuers — and note that pharmacies, gambling, financial services and a few other categories are excluded outright.

Backup plan

The national backups.

No local spot handy? The big chains work too — but the good stuff is up top.

Domino's

A $9.99 large plus tax clears $10 on pickup. Or add the $10 St. Jude donation under checkout "Extras" — the credit covers it, so you donate for free.

Order

Wendy's

A combo or a couple of items clears $10. Order online for pickup, pick Paze at checkout.

Order

Whataburger

Works on the web order flow. One $10-ish order at a time, not one big family run.

Order

Little Caesars

Cheap enough you'll need two items to clear $10 — still a fine trade for $10 back.

Order

Dunkin'

In-app orders only, roughly one credit per 24–48 hours per account. Gift-card reloads are dead.

Order

Acceptance changes without warning — merchants have been added and dropped all summer. Community reports verified July 28, 2026. If the banner doesn't appear at checkout, that merchant isn't paying out today.

Still wondering

Questions people actually ask.

Is this actually legit?

Yes. Paze℠ is the online checkout wallet built by the big U.S. banks — the same group behind Zelle — and this is their own promotion, published in their terms at paze.com/offers. PazeCraze is just a community guide; we're not Paze and we don't take your information.

Do I need to sign up for the offer?

No. There is no offer enrollment. Once your Paze wallet is activated — through your bank's app or site, at paze.com, or during your first Paze checkout — the offer applies automatically. The banner at checkout does the rest.

What if the banner doesn't show?

Then that transaction earns nothing, full stop. Try selecting a different card inside the Paze sheet — offers are per card, and one of yours may already be out of redemptions. If no card shows it, the merchant isn't eligible right now; back out and pick another spot rather than paying and hoping.

Do tips count toward the $10?

Almost certainly yes. The tip is charged as part of the same single transaction, and the terms don't carve out tips, tax or fees — they just ask for $10+ on one approved charge. Tax and shipping are confirmed to count, and plenty of people have been tipping across the $10 line for weeks without losing credits. So order what you want, and tip like the bank is paying — because it is.

When does it end?

September 10, 2026. The offer window runs June 15 through September 10, 2026. Credits can take 5–10 days to post, so don't leave your last redemptions until the final weekend.

Does it work at Toast or Square restaurants?

No — Toast and Square checkouts don't offer Paze. The footprint for independent restaurants is Clover online ordering, which is exactly what the map above shows. Olo and Lunchbox have no evidence either way; treat them as unsupported until someone reports otherwise.

Can the credit be taken back?

Yes. The terms include an anti-abuse clause: credits are reversible if the offer is gamed or misused. Buying real food at real restaurants is exactly what this is for — manufactured spend, bulk gift-card runs and similar tricks are how people lose credits (and most of those routes are already dead anyway).

Not set up yet? It takes 2 minutes.

Activate your Paze wallet with your bank and the $10-back offer applies itself — no coupon, no signup, no app.

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