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MEET FREEDOM FLEX (Service Mark)

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QUARTERLY
CALENDAR

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FAQs

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MERCHANT
LIST

Your 5% quarterly cash back 2023 calendar

Explore your new bonus categories every quarter and start earning 5%. Same page link to Terms and Conditions reference *

Shopping cart icon

January – March

Grocery Stores
(excluding Walmart®) Same page link to Terms and Conditions reference *
| Target Same page link to Terms and Conditions reference *
| Fitness Clubs & Gym Memberships

Activation period closed

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April – June

Lowe's Same page link to Terms and Conditions reference *
| Amazon.com

Activate by June 14, 2023

Opens new window Activate now
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July – September

Coming Soon

Activate starting June 15, 2023

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October – December

Coming Soon

Activate starting September 15, 2023

Same page link to Terms and Conditions target *TERMS AND CONDITIONS

Earn 5% Cash Back on Quarterly Categories/Cash Back And Points:
See your Rewards Program Agreement for more details.
For a purchase to qualify for the 5% bonus Cash Back, the merchant must submit charges to your credit card by the last day of the relevant calendar quarter.

Third-Party Merchants: The listed merchant(s) are in no way affiliated with Chase, nor are the listed merchant(s) considered sponsors or co-sponsors of this program. All trademarks are the property of their respective owner(s).

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Mastercard, the silver circles design and World Elite Mastercard are registered trademarks of Mastercard International Incorporated.

Amazon, the Amazon.com logo, the smile logo, and all related logos are trademarks of Amazon.com, Inc. or its affiliates.

JPMorgan Chase Bank, N.A. Member FDIC

Have questions about your cash back?

You need to activate new 5% cash back in quarterly bonus categories every three months. We ask you to activate because we want to make sure you’re aware when categories change and where you can earn 5% cash back in quarterly bonus categories.

There are 6 easy ways to activate. Just choose the one that’s best for you!

1. Online – visit Opens new window www.chase.com/ultimaterewards or Opens new window chase.com/freedomflex.

2. Email – provide your email address Opens new window here. We'll send you an email when it's time to activate. It takes just one click!

3. Chase Mobile App same page link to footnote reference 1 – If you already have the Chase Mobile App tap Opens new window here to activate your 5% cash back. Don’t have the Chase Mobile App? Download it Opens new window here.

4. Phone – call the number on the back of your card and let one of our specialists activate your 5% cash back in quarterly bonus categories.

5. Chase location – visit any Chase bank and see a personal banker.

6. ATM – Chase checking customers can activate their 5% cash back in quarterly bonus categories with one click via the ATM while making a cash withdrawal.

Yes! You can update your email address Opens new window here to receive email reminders.

Yes! It’s a benefit that comes with your card. All you need to do is activate your 5% cash back every three months at Opens new window chase.com/freedomflex.

This quarter, the deadline for activation is June 14, 2023. So in order to earn 5% cash back on up to $1,500 in combined purchases in the bonus categories from April 1 – June 30, 2023, you need to activate by then.

Yes! In fact, you’ll earn 5% cash back for all bonus category purchases you’ve made for the whole quarter (up to $1,500), no matter when you activate as long as it’s by June 14, 2023. So if you activate any day before then, you’ll earn 5% cash back for category purchases dating back to April 1, 2023.

If you do not activate by June 14, 2023, you will not earn 5% cash back in the bonus categories. You can activate the next quarter’s categories starting June 15, 2023. To make sure you don’t forget to activate, you can sign up for activation reminders via email at Opens new window chase.com/freedomflex.

Yes, please activate 5% cash back in quarterly bonus categories on all of your Chase Freedom Flex accounts to make sure you earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter (on each account).

Activation is free and easy! There are no other restrictions around activating your 5% cash back in quarterly bonus categories. Activate your 5% cash back in quarterly bonus categories each quarter, and you will earn bonus rewards as long as your account is open and not in default at the time of fulfillment.

You’ll earn 5% cash back on up to $1,500 spent in combined purchases in the bonus categories from April 1 - June 30, 2023, then 1% cash back in these categories. You must activate your 5% cash back in quarterly bonus categories by June 14, 2023 and use your card between April 1 - June 30, 2023 in the bonus categories to earn bonus cash back. You always earn unlimited 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, & at drugstores, and 1% on all other purchases.

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 5% cash back on up to $1,500 in combined purchases at Amazon.com and Lowe's same page link to footnote reference 2 from April 1 to June 30, 2023. opens in the same window See calendar

You’ll earn 5% cash back on up to $1,500 in combined purchases at Amazon.com and Lowe's same page link to footnote reference 2 when you use your card from April 1 - June 30, 2023.

The Amazon.com category includes purchases made at Amazon.com (including digital downloads, Amazon.com Gift Cards, Amazon Fresh orders, Amazon Prime subscriptions, and items sold by third-party merchants through Amazon.com’s marketplace) and Whole Foods Market (including physical Whole Foods Market and Whole Foods Market 365 stores, and the website accessible at www.wholefoodsmarket.com).

The Amazon.com category does not include (i) purchases from merchants using Amazon Pay, (ii) purchases made at international Amazon retail sites (including but not limited to Amazon.ca, Amazon.co.uk, Amazon.de, Amazon.fr, or Amazon.co.jp), or any other website operated by Amazon, (iii) purchases made at international Whole Foods Market sites, (iv) purchases of Whole Foods Market or Whole Foods Market 365 products or services through third-party sites such as Eventbrite, Instacart, Google Express and Shipt, (v) online purchases of Whole Foods Market or Whole Foods Market 365 gift cards (including through buyatab.com), event tickets or classes, (vi) purchases from certain third-party vendors operating at Whole Foods Market sites, (vii) purchases of massage services at any Whole Foods Market site, or (viii) purchases from Spa@Ink, in each case in Amazon’s sole discretion.

The Lowe's category includes purchases made at Lowe’s physical stores and Lowes.com including a variety of goods and services provided by merchant.

Purchases from contractors or specialists for providing a home improvement service are not eligible in the category. Transactions through a third-party provider will not be included in this category.

You’d be surprised! You can earn up to $75 bonus cash back each quarter, and you always earn unlimited 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, & at drugstores, and 1% on all other purchases. Here’s a look at how your cash back can add up over just one quarter:

Purchase Quarterly Spending Quarterly Cash Back
Lowe's same page link to footnote reference 2 $600 $30
Amazon.com $100 $5
Other Spending $1,500 $15
Quarterly Total: $2,200 $50

You always earn unlimited 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, & at drugstores, and 1% 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 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 categories.

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

The Chase Travel purchased through Ultimate Rewards category includes prepaid travel purchases made on UltimateRewards.com or by booking through the Chase Travel center via the number on the back of your card. Eligible travel purchases include airline tickets, hotels, car rentals, vacation rentals, and cruises. The Luxury Hotel & Resort Collection will not qualify. Any items or charges not paid for on the Ultimate Rewards site will not qualify. Any portion of your Ultimate Rewards travel purchase paid for using points will not qualify. You may see “Chase Travel” or “Ultimate Rewards” in marketing materials to refer to Chase Travel purchased through Ultimate Rewards.

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

Restaurant category 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. Purchases made at bakeries, caterers, or gift card merchants are not included in the category. Delivery service merchants 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 Flex.

Yes! You’ll earn unlimited 1% cash back at discount and warehouse stores. Chase Freedom Flex always gives 1% cash back at stores like Walmart® and Target same page link to footnote reference 2.

No. You will always earn cash back on purchases made with your Chase Freedom Flex 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 at Amazon.com and Lowe's same page link to footnote reference 2 from April 1 - June 30, 2023. That means you earn 4% bonus cash back in addition to your 1% standard cash back you earn for a total of 5% cash back.

On your statement, you’ll see your rewards totaled as points in the Rewards Summary section. Your 1% standard cash back will appear as it normally does. Your 4% cash back will be broken out separately into categories with a description of “Bonus from 2Q 5% category”. And if you activate after the quarter has started, you will still get your 5% bonus cash back on all purchases made since April 1, 2023. It will show as “Retro(active) 2Q 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.

Updates column content View current quarter’s Merchant List

¿Habla Español? Para hablar con un especialista de servicio de atención al cliente en español, por favor llame al 1-888-446-3308. Aceptamos llamadas de retransmisión con operador.

Same page link to Terms and Conditions target 1 Chase Mobile® app is available for select mobile devices. Message and data rates may apply.

Same page link to Terms and Conditions target 2 The listed merchant(s) are in no way affiliated with Chase, nor are the listed merchant(s) considered sponsors or co-sponsors of this program. All trademarks are the property of their respective owner(s)

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Mastercard, the silver circles design and World Elite Mastercard are registered trademarks of Mastercard International Incorporated.

Amazon, the Amazon.com logo, the smile logo, and all related logos are trademarks of Amazon.com, Inc. or its affiliates.

INSTACART®, the Instacart Carrot logo, the Instacart Partial Carrot logo, and the Instacart Carrot Top logo are trademarks of Maplebear Inc., d/b/a Instacart. Instacart may not be available in all zip or post codes. See Instacart Terms of Service for more details.

JPMorgan Chase Bank, N.A. Member FDIC

Current quarter’s merchant list

The Amazon.com category includes purchases made at Amazon.com (including digital downloads, Amazon.com Gift Cards, Amazon Fresh orders, Amazon Prime subscriptions, and items sold by thirdparty merchants through Amazon.com’s marketplace) and Whole Foods Market (including physical Whole Foods Market and Whole Foods Market 365 stores, and the website accessible at www.wholefoodsmarket.com).

The Amazon.com category does not include (i) purchases from merchants using Amazon Pay, (ii) purchases made at international Amazon retail sites (including but not limited to Amazon.ca, Amazon.co.uk, Amazon.de, Amazon.fr, or Amazon.co.jp), or any other website operated by Amazon, (iii) purchases made at international Whole Foods Market sites, (iv) purchases of Whole Foods Market or Whole Foods Market 365 products or services through third-party sites such as Eventbrite, Instacart, Google Express and Shipt, (v) online purchases of Whole Foods Market or Whole Foods Market 365 gift cards (including through buyatab.com), event tickets or classes, (vi) purchases from certain third-party vendors operating at Whole Foods Market sites, (vii) purchases of massage services at any Whole Foods Market site, or (viii) purchases from Spa@Ink, in each case in Amazon’s sole discretion.

Includes purchases made at Lowe’s physical stores and Lowes.com including a variety of goods and services provided by merchant.

Purchases from contractors or specialists for providing a home improvement service are not eligible in the category. Transactions through a third-party provider will not be included in this category.

Updates column content View FAQ

¿Habla Español? Para hablar con un especialista de servicio de atención al cliente en español, por favor llame al 1-888-446-3308. Aceptamos llamadas de retransmisión con operador.

Same page link to Terms and Conditions target *Third-Party Merchants: The listed merchant(s) are in no way affiliated with Chase, nor are the listed merchant(s) considered sponsors or co-sponsors of this program. All trademarks are the property of their respective owner(s).

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Mastercard, the silver circles design and World Elite Mastercard are registered trademarks of Mastercard International Incorporated.

Amazon, the Amazon.com logo, the smile logo, and all related logos are trademarks of Amazon.com, Inc. or its affiliates.

INSTACART®, the Instacart Carrot logo, the Instacart Partial Carrot logo, and the Instacart Carrot Top logo are trademarks of Maplebear Inc., d/b/a Instacart. Instacart may not be available in all zip or post codes. See Instacart Terms of Service for more details.

JPMorgan Chase Bank, N.A. Member FDIC

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