Here’s what you need to get your 5% cash back.
January - March
Grocery Stores (excluding Walmart® and Target®)
Fitness Clubs & Gym Memberships
Self-Care and Spa Services
Activation Period Closed
April - June
Amazon.com
Hotels
Restaurants
Activation Period Closed
July - September
Gas Stations
EV Charging
Select Live Entertainment
Movie Theaters
Activation Period Closed
October - December
McDonald's®
PayPal®
Pet Shops and Vet Services
Select Charities
Activate Starting September 15, 2024
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, 2024. 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, 2024, 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, 2024. So if you activate any day before then, you'll earn 5% cash back for category purchases dating back to October 1, 2024.
If you do not activate by December 14, 2024, you will not earn 5% cash back in the bonus categories. You can activate the next quarter's categories starting December 15, 2024. 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, 2024. That's 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, 2024 and use your card between October 1 - December 31, 2024 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 cash back on up to $1,500 in combined purchases. This quarter you will earn 5% cash back on McDonald's®, PayPal®, Pet Shops and Vet Services and Select Charities from October 1 to December 31, 2024. See calendar
You'll earn 5% cash back on up to $1,500 in combined purchases on McDonald's®, PayPal®, Pet Shops and Vet Services and Select Charities when you use your card from October 1 - December 31, 2024.
Purchases in the McDonald's® category include purchases at McDonald's® stores, including locations within third-party vendors, and on the McDonald's® mobile app.
This category 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. 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 not be eligible for 5%.
Merchants in this category provide products and/or services for pet care. Pet shops, including online pet shops, sell domestic pets, pet supplies, accessories, pet food, and/or services for the upkeep of pets. Vet Services include licensed practitioners who provide veterinary medicine, dentistry or surgery for pets, livestock and other animals.
Purchases of prescription and over-the-counter medications, supplements, and other health-related items for pets purchased through pet shops, veterinary service providers, or pharmacies that specialize in medication for pets will qualify in this category; however purchases of these items through other merchants, such as drugstores, grocery stores, and traditional pharmacies, will not qualify. Other merchants that provide pet-related services are not included in this category; for example, boarders, groomers, walkers, sitters, trainers, daycare operators and sellers of pet insurance.
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 using the links provided here or on the Merchant List page. 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:
- McDonald's® quarterly spend of $600 earns $30 Quarterly Cash Back.
- Plus: PayPal® quarterly spend of $100 earns $5 Quarterly Cash Back.
- Plus: Other Spending quarterly spend of $1,500 earns $15 Quarterly Cash Back.
- Totals: Quarterly Total spend of $2,200 earns $50 Quarterly Cash Back.
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 in quarterly bonus categories
You earn a total of 5% cash back on up to $1,500 in combined purchases on McDonald's®, PayPal®, Pet Shops and Vet Services and Select Charities from October 1 - December 31, 2024. That means you earn 4% bonus cash back in addition to your 1% standard cash back, adding up to a total of 5% cash back.
On your statement, you'll see your rewards totaled as points in the Rewards Summary section. Your standard cash back will appear as it normally does. Your bonus cash back will be broken out separately into categories with a description of "Bonus from Q4 5% category." And if you activate after the quarter has started, you will still get your bonus cash back on applicable purchases made since October 1, 2024. It will show as "Retro(active) Q4 5% cat(egory) bonus."
In most cases, once you activate your 5% cash back in quarterly bonus categories, you’ll see your rewards on the same statement you see your purchases. However, if your purchase was made within 1-2 weeks before your statement closing date, you may see your corresponding rewards on your next statement.
Merchant List
Earn 5% cash back on up to $1,500 in combined purchases on McDonalds®, PayPal®, Pet Shops and Vet Services and Select Charities from October 1 – December 31, 2024, then earn 1% cash back in these bonus categories.
Purchases in the McDonald’s category include purchases at McDonald’s stores, including locations within third-party vendors, and on the McDonald’s mobile app. Delivery and takeout services will be included if they are classified under the McDonald’s restaurant merchant.
Gift cards and McDonald’s merchandise purchased from 3rd parties will not be included.
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 provide products and/or services for pet care. Pet shops, including online pet shops, sell domestic pets, pet supplies, accessories, pet food, and/or services for the upkeep of pets. Vet Services include licensed practitioners who provide veterinary medicine, dentistry or surgery for pets, livestock and other animals.
Examples including but not limited to:
- PetSmart®
- Petco
- Chewy.com
- Pet Supplies Plus
Examples of what does not qualify:
- Doggy Day Care
- Pet Insurance
- Pet Grooming
This category includes the charities listed below:
- 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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