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

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 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.