Chase Freedom 5% Categories for Q4 2026

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Chase Freedom 5% Categories for Q4 2026

Chase Freedom has revealed the 5% cash back categories for the fourth quarter of 2026. Starting October 1, 2026 through December 31, 2026, Chase Freedom and Freedom Flex cardmembers can earn 5% cash back on the following categories:

  • Dining (total of 7% back with Freedom Flex, plus 10X with Paze)
  • Grocery Stores (excluding Walmart and Target)
  • American Red Cross 

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, 2026, Chase Freedom and Freedom Flex cardmembers can activate their bonus categories on the 15th of the month.

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.

Also don’t forget to maximize this quarter’s categories as well. 

History of Quarterly 5% Categories for Chase Freedom Cards

Quarter          Categories
2026 – Q3
  • Gas Stations and EV Charging
  • Public Transit
  • Select Live Entertainment
  • United Way
2026 – Q2
  • Amazon
  • Chase Travel
  • Feeding America
2026 – Q1
  • Dining
  • Norwegian Cruise Line
  • American Heart Association
2025 – Q4
  • Chase Travel
  • Department Stores
  • Old Navy
  • PayPal (December only)
2025 – Q3
  • Gas Stations
  • EV Charging
  • Select Live Entertainment
  • Instacart
2025 – Q2
  • Amazon
  • Select Streaming Services
2025 – Q1
  • Norwegian Cruise Lines
  • Grocery Stores (excluding Walmart and Target)
  • Fitness Clubs & Gym Memberships
  • Hair, Nails & Spa Services
  • Tax Preparation & Insurance
2024 – Q4
  • McDonald’s
  • PayPal
  • Pet Shops
  • Vet Services
  • Select Charities
2024 – Q3
  • Gas Stations
  • EV Charging
  • Select Live Entertainment
  • Movie Theaters
2024 – Q2
  • Select hotel bookings (directly with hotel or prepaid through Chase)
  • Restaurants
  • Amazon
2024 – Q1
  • Grocery stores
  • Fitness clubs and gym memberships
  • Self-care and spa services.
2023 – Q4
  • PayPal
  • Select charities
  • Wholesale clubs
2023 – Q3
  • Gas stations and EV charging
  • Select live entertainment
2023 – Q2
2023 – Q1
  • Grocery stores
  • Target
  • Fitness clubs and gym memberships
2022 – Q4
2022 – Q3
  • Gas stations
  • Car rentals
  • Movie theaters
  • Select live entertainment
2022 – Q2
  • Amazon
  • Select streaming services
2022 – Q1
2021 – Q4
2021 – Q3
  • Grocery stores
  • Select streaming services
2021 – Q2
  • Gas stations
  • Home improvement stores
2021 – Q1
  • Wholesale clubs
  • Select streaming services
  • Internet, cable and phone services
2020 – Q4
2020 – Q3
  • Amazon
  • Whole Foods Market
2020 – Q2
  • Grocery stores
  • Gym memberships and fitness clubs
  • Select streaming services
2020 – Q1
  • Gas stations
  • Select streaming services
  • Internet, cable and phone services.

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