Get able to rack up rewards: Cardholders of the Chase Freedom Flex® (see charges and costs) or the legacy Chase Freedom* can unlock 5% money again (or 5 factors per greenback) subsequent quarter with Chase Journey℠, malls, Outdated Navy and fan-favorite PayPal.
You possibly can activate these classes 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 besides PayPal from Oct. 1 to Dec. 31 (then 1% again). PayPal is just accessible throughout the month of December.
This is what it’s essential to learn about this quarter’s classes.
*This card is now not accessible to new candidates. The knowledge 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 fall 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 fall bonus classes (then 1% again):
- Chase Journey (boosted 9% cashback for Freedom Flex cardholders; 5% for Freedom cardholders)
- Department shops
- Outdated Navy
For the month of December, cardholders will earn 5% bonus money again on PayPal.
PayPal returns for a sixth consecutive This fall, whereas malls reappear for the primary time in six years and Outdated Navy makes its debut.
Chase Journey additionally will get a recent twist: Not like final 12 months’s hotel-only promotion, all Chase Journey bookings — together with flights, resorts, automotive leases and points of interest — qualify this time. Freedom Flex cardholders will earn 9% again, as the cardboard’s normal 5% Chase Journey fee stacks with a quarterly 4% bonus, in accordance with a Chase spokesperson.
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As famous above, you’ll be able to activate this quarter’s classes 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 means of your Chase account; simply present your final title, the final 4 digits of your card and your ZIP code.
Analyzing the This fall bonus classes
It is fairly clear these classes are designed with vacation journey and purchasing in thoughts. Between visiting family members, selecting up presents and perhaps even treating your self, your spending can add up quick — so incomes 5% money again on lots of these purchases will help take a little bit of the sting out of your funds.
Listed below are the small print:
- Chase Journey: If you happen to’re heading out of city to see buddies or household — or fascinated about gifting a visit — reserving by means of Chase Journey generally is a good transfer. Simply word that reserving by means of a web based journey company like Chase Journey can imply lacking out on lodge factors and elite standing perks.
- Department shops: It is not typically that malls make the bonus checklist, so it is a good inclusion. Chase says supercenters do not rely, so purchases at locations like Walmart seemingly will not earn bonus rewards.
- Outdated Navy: Whether or not you store on-line or in-store, your Outdated Navy purchases will qualify. It might be an excellent excuse to select up one thing for your self whereas looking for others.
- PayPal (December solely): Numerous on-line retailers supply PayPal at checkout, and also you may even be capable to use it for some utility payments. Simply make sure that your Freedom card is about as your most well-liked cost methodology in PayPal — and keep in mind to modify issues again in January.
Keep in mind that Chase limits the 5% money again (or 5 factors per greenback) you’ll be able to 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
| Yr | Quarter | Bonus classes |
|---|---|---|
| 2025 | This fall |
|
| Q3 | Fuel and EV charging stations, Instacart and choose dwell leisure | |
| Q2 |
|
|
| Q1 |
|
|
| 2024 | This fall | 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 dwell leisure | |
| Q2 | Motels booked by means of Chase Journey℠, eating and Amazon (totally 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 gymnasium memberships, and self-care and spa companies | |
| 2023 | This fall | PayPal, choose charities and wholesale golf equipment |
| Q3 | Fuel and EV charging stations, and choose dwell leisure | |
| Q2 | Amazon and Lowe’s | |
| Q1 | Grocery shops, gymnasium memberships and health golf equipment, and Goal | |
| 2022 | This fall | PayPal and Walmart |
| Q3 | Fuel stations, rental vehicles, film theaters and choose dwell leisure | |
| Q2 | Amazon and choose streaming companies | |
| Q1 | Grocery shops and eBay | |
| 2021 | This fall | 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 telephone companies | |
| 2020 | This fall | PayPal and Walmart |
| Q3 | Amazon and Entire Meals Market | |
| Q2 | Grocery shops, gymnasium memberships and health golf equipment, and choose streaming companies | |
| Q1 | Fuel stations, web, cable and telephone companies, and choose streaming companies | |
| 2019 | This fall | Chase Pay, PayPal and malls |
| Q3 | Fuel stations and choose streaming companies | |
| Q2 | Grocery shops and residential enchancment | |
| Q1 | Fuel stations, drugstores and tolls | |
| 2018 | This fall | Wholesale golf equipment, malls and Chase Pay |
| Q3 | Lyft, Walgreens and fuel stations | |
| Q2 | Groceries, PayPal and Chase Pay | |
| Q1 | Cellular wallets, fuel stations and web, cable and telephone service retailers | |
| 2017 | This fall | Walmart and malls |
| Q3 | Eating places and film theaters | |
| Q2 | Grocery shops and drugstores | |
| Q1 | Fuel stations and native commuter transportation | |
| 2016 | This fall | Wholesale golf equipment, drugstores and malls |
| Q3 | Eating places and wholesale golf equipment | |
| Q2 | Grocery shops and wholesale golf equipment | |
| Q1 | Fuel stations and native commuter transportation | |
| 2015 | This fall | 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 fall | Amazon, Zappos and malls |
| 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 broadcasts 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 means of the month earlier than the brand new quarter begins to provide cardmembers time to activate new classes beforehand. Nonetheless, you’ll be able to activate your classes till halfway by means of the final month of the quarter.
The classes are inclined to repeat periodically. As an illustration, grocery shops, eating places and fuel stations are all frequent classes you may discover regularly pop up on the bonus calendar. So, relying on the classes and whether or not you’ll be able to maximize them, these two playing cards can supply fairly a pleasant chunk of money again or bonus factors over the 12 months.
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 loads, 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 12 months. For a no-annual-fee bank card, that is loads of worth.
Alternatively, suppose you may have a card that earns transferable Chase Final Rewards factors, just like the Chase Sapphire Most popular® Card (see charges and costs). In that case, you’ll be able to mix 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 change into totally transferable.
If you happen to observe that methodology, your $300 in bonus money again could be value 30,000 Final Rewards factors. TPG’s June 2025 valuations peg Chase factors at 2.05 cents apiece, making the 30,000 factors you’ll be able to earn in a 12 months value $615.
How do I activate my 5% classes every quarter?
You possibly can head to Chase’s website to activate your 5% money again (or 5 factors per greenback) classes for this quarter. It’s also possible to register by means of the Chase cellular app.
This is the way to register:
1. Head to the Chase bonus activation web 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. In case you have a number of Chase Freedom playing cards, make sure that 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’ll be able to have each playing cards. So, if you have already got the Chase Freedom and need to add the Chase Freedom Flex to your pockets, you are free to take action.
Keep in mind that the unique Freedom card is now not open to new candidates. If you happen to’d quite solely have one, although, the Freedom Flex is accessible as a product change.
In fact, you may additionally need to make sure you’re eligible for a brand new Chase card.
How do I maximize my Freedom and Freedom Flex playing cards?
A very powerful 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 publication. (We ship out a reminder when it is time to activate each quarter, plus ideas and methods for the way to maximize your card technique and rating some wonderful award redemptions.)
Along with the rotating bonus classes, the Freedom Flex accrues 5% money again on all different journey booked by means of Chase Journey℠, 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 bank card that earns totally transferable Final Rewards factors, such because the Chase Sapphire Reserve® (see charges and costs) or the Chase Sapphire Most popular, 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 information detailing the “Chase Trifecta”.
Backside line
If you happen to’re a Chase Freedom or Freedom Flex cardholder, you’ll earn 5% money again (or 5 factors per greenback spent) on Chase Journey, malls and Outdated Navy from Oct. 1 to Dec. 31. PayPal is accessible as a bonus class for the month of December.
You possibly can activate these classes 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 overview of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
