Chase Freedom 4th Quarter 5% Categories Revealed, Activate Now

Chase Freedom 4th Quarter 5% Categories

Chase Freedom has revealed the upcoming 5% cash back categories for Q4. Starting October 1, 2025 through December 31, 2025, Chase Freedom and Freedom Flex cardmembers can earn 5% cash back on the following categories, up to a total of $1,500 in spending:

• Chase Travel: Pack your bags and travel to your dream destination while earning 5% cash back on eligible purchases made on ChaseTravel.com. For Freedom Flex cardmembers, that becomes even more rewarding with 9% total cash back when booking through Chase Travel.
• Department Stores: Get an early start on the holiday season with 5% cash back on department stores.
• Old Navy: Refresh your wardrobe with Old Navy’s selection of sporty, chic and comfy clothing.
• PayPal: During the month of December, cardmembers can earn 5% cash back on purchases made using PayPal, helping make holiday shopping a breeze.

In addition to these rotating categories, Chase Freedom Flex cardmembers always earn:

• 5% cash back on travel booked through Chase Travel
• 3% cash back on dining at restaurants (including takeout and eligible delivery services)
• 3% cash back on drugstore purchases
• 1% cash back on all other purchases

To earn 5% cash back on these categories beginning October 1, 2025, Chase Freedom and Freedom Flex cardmembers can activate their bonus categories today.

This is also a good time to check the spending for Q2 and make sure to earn 5% cash back at Instacart, Select Live Entertainment and Gas Stations and EV Charging.

For more information on participating merchants and how to activate Freedom and Freedom Flex’s quarter category offer, visit Chase.com/Freedom or Chase.com/FreedomFlex.