Get able to rack up rewards: Cardholders of the Chase Freedom Flex® (see rates and fees) or the legacy Chase Freedom* can unlock 5% money again (or 5 factors per greenback) subsequent quarter with Chase Journey℠, department shops, Outdated Navy and fan-favorite PayPal.
You possibly can activate these categories now and begin incomes bonus rewards in these classes from the beginning of October. As soon as activated, you may earn 5% again on as much as $1,500 in mixed spending throughout each class however PayPal from Oct. 1 to Dec. 31 (then 1% again). PayPal is barely accessible through the month of December.
Here is what you have to find out about this quarter’s classes.
*This card is now not accessible to new candidates. The data for the Chase Freedom has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Chase Freedom This autumn 2025 classes
From Oct. 1 to Dec. 31, Freedom and Freedom Flex cardholders will earn 5% money again (or 5 factors per greenback) on as much as $1,500 in mixed purchases throughout these This autumn bonus classes (then 1% again):
- Chase Journey (boosted 9% cashback for Freedom Flex cardholders; 5% for Freedom cardholders)
- Shops
- Outdated Navy
For the month of December, cardholders will earn 5% bonus money again on PayPal.
PayPal returns for a sixth consecutive This autumn, whereas department shops reappear for the primary time in six years and Outdated Navy makes its debut.
Chase Journey additionally will get a recent twist: In contrast to final yr’s hotel-only promotion, all Chase Journey bookings — together with flights, accommodations, automotive leases and sights — qualify this time. Freedom Flex cardholders will earn 9% again, as the cardboard’s commonplace 5% Chase Journey charge stacks with a quarterly 4% bonus, in keeping with a Chase spokesperson.
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As famous above, you may activate this quarter’s categories now to unlock their bonus-earning potential, after which begin spending from Oct. 1 to earn rewards.
It is easy to finish this course of by your Chase account; simply present your final title, the final 4 digits of your card and your ZIP code.
Analyzing the This autumn bonus classes
It is fairly clear these classes are designed with vacation journey and procuring in thoughts. Between visiting family members, choosing up presents and perhaps even treating your self, your spending can add up quick — so incomes 5% money again on a lot of these purchases will help take a little bit of the sting out of your price range.
Listed below are the small print:
- Chase Journey: In the event you’re heading out of city to see buddies or household — or desirous about gifting a visit — reserving by Chase Journey generally is a good transfer. Simply observe that reserving by a web based journey company like Chase Journey can imply missing out on hotel points and elite status perks.
- Shops: It is not usually that department shops make the bonus listing, so this can be a good inclusion. Chase says supercenters do not depend, so purchases at locations like Walmart probably will not earn bonus rewards.
- Outdated Navy: Whether or not you store on-line or in-store, your Outdated Navy purchases will qualify. It could possibly be an excellent excuse to choose up one thing for your self whereas looking for others.
- PayPal: A lot of on-line retailers provide PayPal at checkout, and also you may even have the ability to use it for some utility payments. Simply be certain your Freedom card is about as your most well-liked fee technique in PayPal — and keep in mind to change issues again in January.
Do not forget that Chase limits the 5% money again (or 5 factors per greenback) you may earn to the primary $1,500 spent in mixed bonus classes every quarter you activate the bonus. After you attain the utmost, you may earn 1% again (or 1 level per greenback spent) on these purchases.
Chase Freedom rotating classes historical past
| 12 months | Quarter | Bonus classes |
|---|---|---|
| 2025 | This autumn | Chase Journey (elevated 9% money again for Freedom Flex cardholders), department shops, Outdated Navy and PayPal*
*PayPal is for December solely |
| Q3 | Fuel and EV charging stations, Instacart and choose reside leisure | |
| Q2 |
|
|
| Q1 |
|
|
| 2024 | This autumn | McDonald’s (elevated 7% money again for Freedom Flex cardholders), PayPal, pet retailers and veterinarian companies, and choose charities |
| Q3 | Fuel and EV charging stations, film theaters and choose reside leisure | |
| Q2 | Lodges booked by Chase Journey℠, eating and Amazon (completely different incomes charges relying on the cardboard, i.e., 9%, 7% and 5%, respectively, for the Freedom Flex; 5% for all three classes for the Freedom) | |
| Q1 | Choose grocery shops, health membership and fitness center memberships, and self-care and spa companies | |
| 2023 | This autumn | PayPal, choose charities and wholesale golf equipment |
| Q3 | Fuel and EV charging stations, and choose reside leisure | |
| Q2 | Amazon and Lowe’s | |
| Q1 | Grocery shops, fitness center memberships and health golf equipment, and Goal | |
| 2022 | This autumn | PayPal and Walmart |
| Q3 | Fuel stations, rental automobiles, film theaters and choose reside leisure | |
| Q2 | Amazon and choose streaming companies | |
| Q1 | Grocery shops and eBay | |
| 2021 | This autumn | PayPal and Walmart |
| Q3 | Grocery shops and choose streaming companies | |
| Q2 | Fuel stations and residential enchancment shops | |
| Q1 | Wholesale golf equipment, choose streaming companies and web, cable and cellphone companies | |
| 2020 | This autumn | PayPal and Walmart |
| Q3 | Amazon and Complete Meals Market | |
| Q2 | Grocery shops, fitness center memberships and health golf equipment, and choose streaming companies | |
| Q1 | Fuel stations, web, cable and cellphone companies, and choose streaming companies | |
| 2019 | This autumn | Chase Pay, PayPal and department shops |
| Q3 | Fuel stations and choose streaming companies | |
| Q2 | Grocery shops and residential enchancment | |
| Q1 | Fuel stations, drugstores and tolls | |
| 2018 | This autumn | Wholesale golf equipment, department shops and Chase Pay |
| Q3 | Lyft, Walgreens and gasoline stations | |
| Q2 | Groceries, PayPal and Chase Pay | |
| Q1 | Cellular wallets, gasoline stations and web, cable and cellphone service retailers | |
| 2017 | This autumn | Walmart and department shops |
| Q3 | Eating places and film theaters | |
| Q2 | Grocery shops and drugstores | |
| Q1 | Fuel stations and native commuter transportation | |
| 2016 | This autumn | Wholesale golf equipment, drugstores and department shops |
| Q3 | Eating places and wholesale golf equipment | |
| Q2 | Grocery shops and wholesale golf equipment | |
| Q1 | Fuel stations and native commuter transportation | |
| 2015 | This autumn | Amazon, Zappos, Audible and Diapers.com |
| Q3 | Fuel stations and Kohl’s | |
| Q2 | Eating places, Mattress Bathtub & Past, H&M and Overstock | |
| Q1 | Grocery shops, film theaters and Starbucks | |
| 2014 | This autumn | Amazon, Zappos and department shops |
| Q3 | Fuel stations and Kohl’s | |
| Q2 | Eating places and Lowe’s | |
| Q1 | Fuel stations, film theaters and Starbucks |
Chase Freedom bonus classes FAQs
How do rotating classes work?
Every quarter, Chase declares a bunch of bonus classes that may earn 5% money again (or 5 factors per greenback) all through the upcoming three-month interval (on as much as $1,500 in mixed spending every quarter).
Typically, these classes are introduced midway by the month earlier than the brand new quarter begins to offer cardmembers time to activate new classes beforehand. Nevertheless, you may activate your classes till halfway by the final month of the quarter.
The classes are likely to repeat periodically. As an illustration, grocery stores, restaurants and gas stations are all frequent classes you may discover often pop up on the bonus calendar. So, relying on the classes and whether or not you may maximize them, these two playing cards can provide fairly a pleasant chunk of money again or bonus factors over the yr.
How a lot money again can I earn every quarter?
Chase limits the 5% money again (or 5 factors per greenback) to the primary $1,500 spent in mixed bonus classes every quarter you activate the bonus.
Whereas that won’t sound like lots, that money again provides up over time. Maximizing the cash-back classes every quarter, you may earn $75 in money again quarterly and as much as $300 per yr. For a no-annual-fee credit card, that is numerous worth.
Alternatively, suppose you’ve gotten a card that earns transferable Chase Ultimate Rewards factors, just like the Chase Sapphire Preferred® Card (see rates and fees). In that case, you may combine the rewards out of your Chase Freedom or Freedom Flex card with these you earn out of your extra premium Final Rewards-earning card. By doing this, your rewards become fully transferable.
In the event you comply with that technique, your $300 in bonus money again can be price 30,000 Final Rewards factors. TPG’s June 2025 valuations peg Chase factors at 2.05 cents apiece, making the 30,000 factors you may earn in a yr price $615.
How do I activate my 5% classes every quarter?
You possibly can head to Chase’s site to activate your 5% money again (or 5 factors per greenback) classes for this quarter. You can too register by the Chase cellular app.
Here is how one can register:
1. Head to the Chase bonus activation page, or log into your Chase account.
2. Enter your final title, the final 4 digits of your card quantity and your billing ZIP code. If you do not have your card available, log in to your Chase account to retrieve these digits.
3. Click on “Activate your 5%” to register.
4. You probably have a number of Chase Freedom playing cards, be certain to register every one.
5. Save a screenshot of your activation in case of any points later, although you also needs to obtain a “You are Activated!” affirmation e-mail.
Can I’ve each the Chase Freedom and the Chase Freedom Flex to double my incomes potential?
Sure, you may have each playing cards. So, if you have already got the Chase Freedom and wish to add the Chase Freedom Flex to your pockets, you are free to take action.
Do not forget that the unique Freedom card is now not open to new candidates. In the event you’d relatively solely have one, although, the Freedom Flex is obtainable as a product change.
After all, you may additionally wish to make sure you’re eligible for a new Chase card.
How do I maximize my Freedom and Freedom Flex playing cards?
Crucial factor is to activate your card to earn 5% money again (or 5 factors per greenback) every quarter within the particular classes after which use your card for purchases in these classes.
You possibly can arrange a recurring reminder in your calendar or join the TPG newsletter. (We ship out a reminder when it is time to activate each quarter, plus ideas and methods for how one can maximize your card strategy and rating some excellent award redemptions.)
Along with the rotating bonus classes, the Freedom Flex accrues 5% money again on all different journey booked by Chase Travel℠, 3% money again on drugstore purchases, 3% money again on eating (together with eligible supply companies) and 1% limitless money again on all different purchases.
Higher but, when paired with a Chase credit card that earns absolutely transferable Final Rewards factors, such because the Chase Sapphire Reserve® (see rates and fees) or the Chase Sapphire Preferred, the Chase Freedom Flex’s 5% money again successfully turns into 5 Final Rewards factors per greenback. You possibly can be taught all about this in our guide detailing the “Chase Trifecta”.
Backside line
In the event you’re a Chase Freedom or Freedom Flex cardholder, you’ll earn 5% money again (or 5 factors per greenback spent) on Chase Journey, department shops and Outdated Navy from Oct. 1 to Dec. 31.
PayPal is obtainable as a bonus class for the month of December.
You possibly can activate these categories now. And do not forget that Chase limits your quarterly bonus class earnings to the primary $1,500 of mixed spending every quarter.
To be taught extra, learn our full review of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex