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FREEDOM
HERE'S YOUR 5% CASH BACK CALENDAR

 

Freedom credit card No Annual Fee
Freedom credit card No Annual Fee

Explore new categories every quarter and start earning.

Here’s what you need to get your 5% cash back.

 

 

January - March

 

Grocery Stores (excluding Walmart®) Target, Fitness clubs & Gym Memberships.

 

Activation period ended

 

April - June

 

Lowe's & Amazon.com

 

 

 

 

 

Activation period ended

 

July - September

 

Gas Stations, EV Charging & Select Live Entertainment

 

 

 

Activation period ended

 

October - December

 

PayPal, Wholesale Clubs & Select Charities

 

Freedom FAQs

 

Activating your 5% cash back in quarterly bonus categories

You need to activate new 5% cash back in quarterly bonus categories every three months. We ask you to activate because we want to make sure you’re aware when categories change and where you can earn 5% cash back in quarterly bonus categories.

There are 6 easy ways to activate. Just choose the one that’s best for you!

  • Online – visit www.chase.com/ultimaterewards or chase.com/freedomfive
  • Email – provide your email address here. We'll send you an email when it's time to activate. It takes just one click!
  • Chase Mobile App – If you already have the Chase Mobile App, tap here to activate your 5% cash back. Don’t have the Chase Mobile App? Download it here.
  • Phone – call the number on the back of your card and let one of our specialists activate your 5% cash back in quarterly bonus categories.
  • Chase location – visit any Chase bank and see a personal banker.
  • ATM – Chase checking customers can activate their 5% cash back in quarterly bonus categories with one click via the ATM while making a cash withdrawal.

Yes! You can update your email address here to receive email reminders.

Yes! It’s a benefit that comes with your card. All you need to do is activate your 5% cash back every three months at chase.com/freedomfive.

This quarter, the deadline for activation is December 14, 2023. So in order to earn 5% cash back on up to $1,500 in combined purchases in the bonus categories from October 1 - December 31, 2023, you need to activate by then.

Yes! In fact, you’ll earn 5% cash back for all bonus category purchases you’ve made for the whole quarter (up to $1,500), no matter when you activate as long as it’s by December 14, 2023. So if you activate any day before then, you’ll earn 5% cash back for category purchases dating back to October 1, 2023.

If you do not activate by December 14, 2023, you will not earn 5% cash back in the bonus categories. You can activate the next quarter’s categories starting December 15, 2023. To make sure you don’t forget to activate, you can sign up for activation reminders via email at chase.com/freedomfive.

Yes, please activate 5% cash back in quarterly bonus categories on all of your Chase Freedom accounts to make sure you earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter (on each account).

Activation is free and easy! There are no other restrictions around activating your 5% cash back in quarterly bonus categories. Activate your 5% cash back in quarterly bonus categories each quarter, and you will earn bonus rewards as long as your account is open and not in default at the time of fulfillment.

Earning your 5% cash back in quarterly bonus categories

You’ll earn unlimited 1% cash back on all purchases. In addition, you’ll earn 4% cash back on up to $1,500 spent in combined purchases in the bonus categories from October 1- December 31, 2023. That’s a total of 5% cash back, which means you can earn up to $75 cash back ($15 cash back plus your $60 bonus cash back). You must activate your 5% cash back by December 14, 2023 and use your card between October 1- December 31, 2023 in the bonus categories to earn bonus cash back.

Merchants who accept Visa/Mastercard credit cards are assigned a merchant code which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note, we make every effort to include all relevant merchant codes in its rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won’t qualify for reward offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category.

In order for a purchase to qualify for 5% cash back in this quarter’s bonus categories, the purchase must post to your account by the last day of the quarter. Sometimes a merchant will charge your card on a date after you make a purchase, such as the shipping date, delivery date, or installation date, and as a result the purchase may not post to your account until after the end of the quarter.

We’ll announce the categories each quarter when it’s time to activate, so you’ll know where you’re earning 5% cash back for the coming quarter. Activate now to earn 5% cash back on up to $1,500 in combined purchases at Wholesale Clubs, with Select Charities and PayPal from October 1 to December 31, 2023. See calendar

You’ll earn 5% cash back on up to $1,500 in combined purchases at Wholesale Clubs, with Select Charities and PayPal when you use your card from October 1- December 31, 2023. PayPal purchases in other categories will only earn a total of 5%.

Merchants in this category operate warehouse-style retail stores, sell in bulk, and concentrate on price appeal. These merchants sell a full range of household goods and merchandise, groceries, furniture, electronics, appliances, and auto supplies. These merchants may or may not have membership requirements. Gas, fuel, wholesale specialty service purchases such as travel, insurance, cell phone and home improvement will not qualify in this category. Delivery service merchants will be included if they classify as a wholesale club merchant. Mastercard not accepted at Costco warehouses or at gas stations.

Purchases made using PayPal at merchants in the current 5% quarterly categories will be awarded a total of 5% Cash Back rewards. Payments made through the Xoom transfer service are not eligible for 5%. Must have/open a PayPal account. Please note, Person-to-Person (P2P) transactions made with your Chase Freedom card on PayPal may be prohibited or not eligible for 5%.

This category includes the charities listed below:

 

  • American Red Cross
  • Equal Justice Initiatives
  • Feeding America
  • Habitat for Humanity
  • International Medical Corps
  • International Rescue Committee
  • Leadership Conference Education Fund
  • NAACP Legal Defense and Educational Fund
  • National Urban League
  • Thurgood Marshall College Fund
  • United Negro College Fund
  • UNICEF USA
  • United Way
  • World Central Kitchen
  • GLSEN
  • Out and Equal
  • Sage

 

To ensure your charitable donation is eligible for the 5% Cash Back reward, be sure to donate directly to the charity’s parent organization. Local chapters may not be eligible due to transaction processing procedures.

You’d be surprised! You can earn up to $75 bonus cash back each quarter ($15 cash back plus your $60 bonus cash back), and you always earn unlimited 1% cash back on all other purchases! Here’s a look at how your cash back can add up over just one quarter: 

 

You always earn unlimited 1% cash back on all other purchases. See your Rewards Program Rules and Regulations/Agreement for details.

“Cash Back rewards” are the rewards you earn under the program. Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points. You may simply see “Cash Back” in marketing materials when referring to the rewards you earn. When you use points to redeem for cash, each point is worth $0.01 (one cent), which means that 100 points equals $1 in redemption value. You can use your points to redeem for cash through an account statement credit or electronic deposit into an eligible checking or savings account held by a financial institution located in the United States.

No. You will earn a total of 5% cash back even on purchases that may qualify in two or more eligible categories; for example, using digital wallets at a restaurant when both are categories or buying gas at a gas station attached to a grocery store when both gas stations and grocery stores are categories.

Earning your 1% cash back

Yes. You’ll get 1% cash back on all other purchases every day with Chase Freedom.

Yes! You’ll earn unlimited 1% cash back at discount and warehouse stores. Chase Freedom always gives 1% cash back at stores like Walmart® and Target.

No. You will always earn cash back on purchases made with your Chase Freedom card. However, a cash advance is not considered a purchase.

Seeing your 5% cash back

You earn a total of 5% cash back on up to $1,500 in combined purchases at Wholesale Clubs, with Select Charities and PayPal from October 1- December 31, 2023. That means you earn 4% bonus cash back in addition to your 1% standard cash back you earn for a total of 5% cash back.

On your statement, you’ll see your rewards totaled as points in the Rewards Summary section. Your 1% standard cash back will appear as it normally does. Your 4% cash back will be broken out separately into categories with a description of “Bonus from 4Q 5% category”. And if you activate after the quarter has started, you will still get your 5% bonus cash back on all purchases made since October 1, 2023. It will show as “Retro(active) 4Q 5% cat(egory) bonus”.

Merchant List

Includes purchases made using your Chase Freedom card with PayPal. Purchases made using PayPal at merchants in the current 5% quarterly categories will be awarded a total of 5% Cash Back rewards. Must have/open a PayPal account.

Payments made through the Xoom transfer service are not eligible for 5%. Please note, Person-to-Person (P2P) transactions made with your Chase Freedom card on PayPal may be prohibited or not eligible for 5%.

Merchants in this category operate warehouse-style retail stores, sell in bulk, and concentrate on price appeal. These merchants sell a full range of household goods and merchandise, groceries, furniture, electronics, appliances, and auto supplies. These merchants may or may not have membership requirements. Delivery service merchants will be included if they classify as a wholesale club merchant.

Gas, fuel, wholesale specialty service purchases such as travel, insurance, cell phone and home improvement will not qualify in this category. Mastercard not accepted at Costco warehouses or at gas stations.

This category includes the charities listed below:

 

  • American Red Cross
  • Equal Justice Initiatives
  • Feeding America
  • Habitat for Humanity
  • International Medical Corps
  • International Rescue Committee
  • Leadership Conference Education Fund
  • NAACP Legal Defense and Educational Fund
  • National Urban League
  • Thurgood Marshall College Fund
  • United Negro College Fund
  • UNICEF USA
  • United Way
  • World Central Kitchen
  • GLSEN
  • Out and Equal
  • Sage

Local chapters may not be eligible due to transaction processing procedures.

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