FREEDOM FLEX^®
HERE'S YOUR 5% CASH BACK CALENDAR

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 January 1 - March 31, 2025. 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 March 14, 2025 and use your card between January 1 - March 31, 2025 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 Grocery Stores excluding Walmart^® and Target^®, Norwegian Cruise Line^®, Fitness Clubs & Gym Memberships, and Hair, Nails, & Spa Services from January 1 to March 31, 2025. See calendar

You'll earn 5% cash back on up to $1,500 in combined purchases on Grocery Stores excluding Walmart^® and Target^®, Norwegian Cruise Line^®, Fitness Clubs & Gym Memberships, and Hair, Nails, & Spa Services when you use your card from January 1 - March 31, 2025.

Merchants in this category include supermarkets, merchants that offer a full-service grocery line of merchandise including a deli and bakery as well as smaller grocery stores. Some merchants that sell grocery items are not included in this category; for example, larger stores that sell a wide variety of goods and groceries, such as warehouse clubs, discount stores and some smaller merchants such as drugstores, and merchants that specialize in only a few grocery items. Purchases made at gas stations from merchants who also operate grocery stores are not included in this category. Delivery service merchants, such as Instacart, will be included if they classify as a grocery store merchant.

This category includes cruise fare purchased directly with Norwegian Cruise Line. Purchases through third party vendors or travel agencies, such as sightseeing activities, excursions, and tourist attractions, are not included.

Merchants in this category include health clubs, exercise, or athletic facilities requiring membership and offering access to services related to physical fitness, such as fitness clubs, fitness centers, fitness studios, gyms, aerobics, cardio fitness and other services such as yoga and cross fit training in physical merchant locations. Merchants that specialize in offering virtual and other at-home fitness services, personalized or therapeutic services such as massage therapy, dietary and weight management counseling and personal training, are not included in this category. In addition, certain lodging, hotel, motel, resort and central reservation services offering access to third party facilities that include fitness clubs or gyms are not included in this category unless they classify as a fitness club or gym membership merchant. Purchases of fitness or athletic equipment or apparel, other sporting goods, dietary food, health food or similar supplements, will not qualify in this category.

This category includes hair care, nail care and spa services, such as massages, spa treatments, manicures, tanning, and barber and salon services, purchased at merchant locations that specialize in providing these services. These services are typically provided by licensed professionals, however, services provided by medical professionals or in medical facilities will not qualify. Purchases of hair care, nail care and spa services at merchants that classify their location in another category, for example spa services purchased in a hotel or airport, will not be included unless the merchant classifies the transactions in this category. Purchases of related products and services, for example hair and skincare products purchased at a salon or an overnight stay at a spa, will also not be included unless the merchant classifies the transactions in this category.

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:

• Grocery Stores excluding Walmart^® and Target^® quarterly spend of $600 earns $30 Quarterly Cash Back.
• Plus: Norwegian Cruise Line^® 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 bonus 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 bonus categories.

Yes. You’ll get 5% cash back on travel purchased through Chase Travel every day with Chase Freedom Flex.

This category includes prepaid travel purchases made on chasetravel.com or by calling the number on the back of your card to book. Eligible travel purchases include airline tickets, hotels, car rentals, and cruises. Any items or charges not paid for on chasetravel.com or by calling the number on the back of your card will not qualify. Any portion of your purchase paid for using points will not qualify. You may see “travel purchased through Chase” or “travel purchased through Ultimate Rewards” in marketing materials to refer to travel purchased through Chase Travel. To see a breakdown of your Chase Travel bonus earn, see your Rewards Activity on UltimateRewards.com or on chase.com after accessing your rewards. You can also see it on your monthly card billing statement. Typically, the bonus earn will appear 2-3 days after your transaction posts on UltimateRewards.com or on chase.com after accessing your rewards.

Yes. You’ll get 3% cash back on dining at restaurants and at drugstores every day with Chase Freedom Flex.

This category’s merchants’ primary business is sit-down or eat-in dining, including fast food restaurants and fine dining establishments. Merchants that sell food and drinks located within facilities such as sports stadiums, hotels and casinos, theme parks, grocery and department stores will not be included in this category unless the merchant has set up such purchases to be classified in a restaurant category. Bakeries, caterers, meal kit delivery services, and gift card merchants are not included in the category. Delivery and takeout services will be included if they classify as a restaurant merchant.

Yes, restaurant takeout and eligible delivery services qualify for 3% cash back. See “What is included in the dining at restaurants category?” question for more details.

Merchants in the drugstores category specialize in selling prescription drugs and over-the counter medicines, supplements and various health-related items. These merchants may also sell cosmetics, toiletries, greeting cards, and various household items such as cleaning supplies and packaged foods and drinks. Some merchants that sell a wide variety of goods including these items, and which may contain an onsite pharmacy, for example, warehouse clubs, discount stores, or grocery stores, are not included in this category.

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.

You earn a total of 5% cash back on up to $1,500 in combined purchases on Grocery Stores excluding Walmart^® and Target^®, Norwegian Cruise Line^®, Fitness Clubs & Gym Memberships, and Hair, Nails, & Spa Services from January 1 - March 31, 2025. 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 Q1 5% category." And if you activate after the quarter has started, you will still get your bonus cash back on applicable purchases made since January 1, 2025. It will show as "Retro(active) Q1 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.

Merchants in this category include supermarkets, merchants that offer a full-service grocery line of merchandise including a deli and bakery as well as smaller grocery stores. Delivery service merchants, such as Instacart, will be included if they classify as a grocery store merchant.

Some merchants that sell grocery items are not included in this category; for example, larger stores that sell a wide variety of goods and groceries, such as warehouse clubs, discount stores and some smaller merchants such as drugstores, and merchants that specialize in only a few grocery items. Purchases made at gas stations from merchants who also operate grocery stores are not included in this category.

This category includes cruise fare purchased directly with Norwegian Cruise Line.

Purchases through third party vendors or travel agencies, such as sightseeing activities, excursions, and tourist attractions, are not included.

Merchants in this category include health clubs, exercise, or athletic facilities requiring membership and offering access to services related to physical fitness, such as fitness clubs, fitness centers, fitness studios, gyms, aerobics, cardio fitness and other services such as yoga and cross fit training in physical merchant locations.

Merchants that specialize in offering virtual and other at-home fitness services, personalized or therapeutic services such as massage therapy, dietary and weight management counseling and personal training, are not included in this category. In addition, certain lodging, hotel, motel, resort and central reservation services offering access to third party facilities that include fitness clubs or gyms are not included in this category unless they classify as a fitness club or gym membership merchant. Purchases of fitness or athletic equipment or apparel, other sporting goods, dietary food, health food or similar supplements, will not qualify in this category.

This category includes hair care, nail care and spa services, such as massages, spa treatments, manicures, tanning, and barber and salon services, purchased at merchant locations that specialize in providing these services.

Services provided by medical professionals or in medical facilities will not qualify. Purchases of hair care, nail care and spa services at merchants that classify their location in another category, for example spa services purchased in a hotel or airport, will not be included unless the merchant classifies the transactions in this category. Purchases of related products and services, for example hair and skincare products purchased at a salon or an overnight stay at a spa, will also not be included unless the merchant classifies the transactions in this category.