Have Questions about Your Cash Back? We've got answers!

Activating your 5% cash back

Earning your 5% cash back

  • How does the 5% promotion work?
    You’ll earn unlimited 1% cash back on all purchases. In addition, you’ll earn 4% cash back on up to $1,500 spent in combined purchases in the bonus categories between October 1 and December 31, 2016. That’s a total of 5% cash back, which means you can earn up to $75 cash back ($15 cash back plus your $60 bonus cash back). You must activate your 5% cash back by December 14, 2016 and use your card between October 1 and December 31, 2016 in the bonus categories to earn bonus cash back.

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  • What determines whether a merchant falls within a particular rewards category?
    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.

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  • What happens if a merchant charges my Freedom card for a rewards category purchase after this quarter?
    In order for a purchase to qualify for 5% cash back in this quarter’s rewards categories, the merchant must submit the charges to your credit card by the last day of the quarter. For example, if the merchant charges your card on a different date than you placed your purchase such as the shipping date, delivery date, or installation date, and that date is after the end of the quarter, the purchase will not earn bonus 5% cash back.

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  • Where will I earn 5% cash back each quarter in 2016?
    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 Department Stores3, Wholesale Clubs4 and Drugstores5 from October 1-December 31, 2016. See calendar

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  • What types of purchases qualify for 5% cash back this quarter?
    You’ll earn 5% cash back on up to $1,500 in combined purchases from October 1 through December 31, 2016 when you use your card for purchases at Department Stores3, Wholesale Clubs4 and Drugstores5.

    See examples of places where you will earn 5% cash back.

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  • What types of merchants are in the Department Stores category?
    Please opens new window Department Stores listclick here here for merchants included and merchants not included in the Department Store category. Purchases made on a merchant’s website are included. The Department Store category does not include supercenters, discount stores or specialty stores (i.e. stores that sell primarily one line of products such as shoe stores, pet stores, electronics stores, clothing stores); if a merchant is not on the list, you will not earn bonus rewards. Department Store gift card purchases outside of the specific Department Store are excluded and will not earn bonus rewards.

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  • What types of merchants are in the Wholesale Clubs category?
    Typically these merchants operate warehouse-style retail stores, sell in bulk, and concentrate on price appeal. Merchants sell a full range of household goods and merchandise, groceries, furniture, electronics, appliances, and auto supplies. These merchants may or may not have membership requirements. Specialty wholesale merchants and distributors like National Wholesale Liquidators and Wood Floors Plus Wholesale are not included. Check with your local wholesale clubs to see if your Chase Freedom card is accepted.

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  • What types of merchants are in the Drugstores category?
    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. Please note that some merchants that sell a wide variety of goods including these items, and which may contain an on-site pharmacy, for example, warehouse clubs, discount stores, or grocery stores, are not included in this category.

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  • What types of merchants are in the Gas Stations category?
    Merchants in the Gas Stations category sell automotive gasoline that can be paid for either at the pump or inside the station, and may or may not sell other goods or services at their location. Please note that some merchants that do not specialize in selling automotive gasoline are not included in this category; for example, truck stops, boat marinas, oil and propane distributors, and home heating companies.

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  • What types of purchases qualify for 5% cash back in the Local Commuter Transportation category?
    Merchants in the Local Commuter Transportation category include regional operators of local commuter passenger trains, subways, metro, buses, taxis, and ferries. Please note that some merchants that provide transportation and related services are not included in this category; for example, national and international trains (such as Amtrak), airport shuttles/limousines, parking lots/garages, tolls/bridges, airlines, hotels, car rental agencies, cruise lines, travel agencies, discount travel sites, vacation clubs, tour operators, and some municipal/government owned entities.

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  • What types of merchants are in the Chase Freedom Grocery store category that does not include Walmart®  and Target®  purchases?
    Merchants in the Chase Freedom Grocery stores category that does not include Walmart® and Target® purchases, includes supermarkets as well as smaller grocery stores. Please note that some merchants that sell grocery items are not included in this category; for example, larger stores that sell a wide variety of goods, such as Target®, Walmart®, discount stores, warehouse clubs, and some smaller merchants such as drugstores and merchants that specialize in only a few grocery items. In addition, please note that purchases made at gas stations operated by merchants who also operate grocery stores are not included in this category.

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  • What types of merchants are in the Restaurants category?
    Merchants in the restaurants category are merchants whose primary business is sit-down or eat-in dining, including fast food restaurants as well as fine dining establishments. Please note that some merchants that sell food and drinks located within larger merchants 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.

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  • What types of merchants are in the Movie Theaters category
    Merchants in the movie theaters category show motion pictures to an audience, including at drive-in theaters. Please note that theaters that provide live entertainment and merchants that sell and rent movies or provide movie subscription or streaming services are not included in this category. In addition, if you make purchases that are not processed by the merchant in the movie theaters category, the purchase will not qualify; for example food and beverage, or merchandise purchases.

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  • How much cash back can I earn each quarter?
    You'd be surprised! Here's a look at how your cash back can add up over just one quarter:
    PURCHASE QUARTERLY SPENDING QUARTERLY CASH BACK
    Department Stores3 $400 $20.00
    Wholesale Clubs4 $400 $20.00
    Drug Stores5 $100 $5.00
    Other Spending $1,900 $19.00
    QUARTERLY TOTAL: $64.00

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  • How much cash back do I earn in other places?
    You always earn unlimited 1% cash back on all other purchases. See your Rewards Program Rules and Regulations/Agreement for details.

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  • Am I earning cash back or points?
    “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 starting at 2,000 points 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.

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Earning your 1% cash back

Seeing your 5% cash back

  • How does my 5% cash back add up?
    You earn a total of 5% cash back on up to $1,500 in combined purchases at Department Stores, Wholesale Clubs, and Drugstores from October 1 through December 31, 2016. 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.

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  • How does my 5% cash back show up on my statement?
    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 4Q 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 October 1. It will show was “Retro(active) 4Q 5% cat(egory) bonus”.

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  • When will I see my cash back on my statement?
    In most cases, once you activate your 5% cash back, 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.

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1 There is no charge from Chase, but message and data rates may apply. Such charges include those from your communications service provider.

2 The Chase Freedom® Mobile App is available for select mobile devices. Enroll in Chase OnlineSM and download the Chase Freedom® Mobile App. There is no charge from Chase, but message and data rate charges may apply. Such charges include those from your communications service provider.

3 The Department Store category does not include supercenters, discount stores or specialty stores (i.e. stores that sell primarily one line of products such as shoe stores, pet stores, electronics stores, clothing stores); if a merchant is not on the list, you will not earn bonus rewards. Department Store gift card purchases outside of the specific Department Store are excluded and will not earn bonus rewards. Please opens new window Department Stores listclick here for merchants included and merchants not included in the Department Store category. For more information, please see Chase Freedom opens new windowFrequently Asked Questions.

4 Does not include gas, fuel, wholesale club specialty service purchases such as travel, insurance, cell phone and home improvement. Check with your local wholesale clubs to see if your Chase Freedom card is accepted. For more information, please see Chase Freedom opens new windowFrequently Asked Questions.

5 Does not include merchants that sell a wide variety of goods including prescription drugs and over-the-counter medicines, supplements and various health-related items, and which may contain an on-site pharmacy, for example, warehouse clubs, discount stores, or grocery stores. For more information, please see Chase Freedom opens new windowFrequently Asked Questions.

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).