Chase Freedom 5% Categories for Q4 2026

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