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 to December 31, 2018. 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, 2018 and use your card between October 1 to December 31, 2018 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 is quarter, the purchase will not earn bonus 5% cash back.

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  • Where will I earn 5% cash back each quarter in 2018?
    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 Stores, Wholesale Clubs, and purchases made using Chase Pay from October 1 to December 31, 2018. opens new windowSee 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 to December 31, 2018 when you use your card for purchases at Department Stores, Wholesale Clubs and purchases made using Chase Pay.

    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 click opens new windowhere for merchants included and merchants not included in the Department Store category. Purchases made on a merchants 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) except for purchases made with these merchants using Chase Pay (a 5% category). 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?
    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 or Wood Floors Plus are not included. Additionally gas, fuel, wholesale specialty service purchase such as travel, insurance, cell phone and home improvement are not included except for purchases made with these merchants using Chase Pay (a 5% category).

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  • What is included in the Chase Pay category?
    Includes purchases made using your Freedom card with your Chase Pay mobile wallet during check out. Eligible purchases only qualify for a total of 5% Cash Back rewards; purchases using Chase Pay at other current 5% quarterly categories will be awarded a total of 5% Cash Back rewards on up to $1500 in combined purchases.

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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 merchants are in the Lyft category?
    Includes purchases using your Chase Freedom card for rides with Lyft. Lyft gift cards purchased outside of Lyft are excluded and will not earn bonus rewards.

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  • What types of merchants are in the Walgreens category?
    Includes purchases made using your Freedom card at Walgreens including Walgreens.com and Walgreens owned drugstores operating under the brand Duane Reade. Delivery service merchants and Rite Aid drugstores will not be included in this category.

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  • What is included in the PayPal category?
    Includes purchases made using your Freedom card with PayPal for purchases or sending money.

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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 except for purchases made with these merchants using PayPal or Chase Pay (a 5% 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. Delivery service merchants will not be included in this category unless the merchant has set up such purchases to be classified in the grocery stores category.

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  • What types of merchants are in the Internet/Cable/Phone Services category?
    Only purchases for internet, cable, satellite television, radio, cellular, wireless data, and landline services will qualify. Please note that purchases of equipment are not included. In addition, if you purchase or pay for your internet, cable and satellite television, phone or related services in a merchant's store that is not classified by the merchant in the applicable services category, the purchase or payment will not qualify; for example, phone bill payments in a merchant's store that is classified as a telephone equipment store.

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  • What types of merchants are included in Chase Pay, Apple Pay, Google Pay, Samsung Pay?
    Includes purchases made using your Freedom card with your Chase Pay®, Google PayTM, Apple Pay® or Samsung Pay mobile wallet during check out; excludes purchases already earning 5% in a current category.

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  • How much cash back can I earn each quarter?
    You’d be surprised! You can earn up to $75 bonus cash back each quarter ($15 cash back plus your $60 bonus cash back), and you always earn unlimited 1% cash back 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
    Department Stores $600 $30
    Wholesale Clubs $500 $25
    Chase Pay $300 $15
    Other Spending $1,900 $19
    QUARTERLY TOTAL: $89

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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 purchases made using Chase Pay from October 1 through December 31, 2018. 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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Chase, Chase Pay, and the Chase Octagon are trademarks of JPMorgan Chase Bank, N.A.

Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps (requires iPhone 6 or later); with iPad Pro, iPad (5th generation), iPad Air 2, and iPad mini 3 and later in apps and websites in Safari; and with Mac (2012 or later) in Safari with an Apple Pay–enabled iPhone or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/km207105.

Apple, the Apple logo and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.

Google Pay works on Android devices running Android Lollipop 5.0 or above.

Google Pay and the Google Pay Logo are trademarks of Google Inc.

© 2018 Samsung Electronics America, Inc. Samsung, Samsung Pay, Samsung Galaxy, Samsung Knox, Galaxy S, Samsung Galaxy S8, Galaxy S8+, Galaxy S8 active, Galaxy Note8, Galaxy S7, S7 active, S7 edge, S6, S6 active, S6 edge, S6 edge+, Note5 and Gear S3 and Gear S2 (NFC only) are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Use only in accordance with law. Other company and product names mentioned may be trademarks of their respective owners. Screen images are simulated; actual appearance may vary. Contact your bank or financial institution to verify that it is a Samsung Pay participant. Samsung Pay is available on select Samsung devices.

Only compatible with Chase cards; for non-Chase cards contact your bank or financial institution.

PayPal is a trademark of PayPal, Inc., registered in the United States and other countries.

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).