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 between July 1 and September 30, 2015 in the bonus categories. 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 September 14, 2015 and use your card between July 1 and September 30, 2015 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 our 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 rewards 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 and 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 the 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 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 this quarter, the purchase will not earn bonus 5% cash back.

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  • Where will I earn 5% cash back each quarter in 2015?
    Activate every three months for 5% cash back on up to $1,500 in combined purchases in 2015 bonus categories:
    January - March: Grocery stores*, Not including Walmart (Registered Trademark) and Target(Registered Trademark) Purchases, Movie Theaters Starbucks(Registered Trademark) Stores**. Activate Between 12/15/14-3/14/15. April - June: Restaurants, Bed Bath & Beyond (Registered Trademark) , H&M (Registered Trademark) , Overstock.com (Registered Trademark). Activate Between 3/15/15-6/14/15. July - September: Gas stations and more this summer! Activate Between 6/15/15-9/14/15. October - December: Amazon.com and more this fall! Activate Between 9/15/15-12/14/15.
    Additional categories or merchants will be announced at the beginning of the activation period for each quarter.

    You'll earn 5% cash back each quarter on up to $1,500 in combined purchases in that quarter's bonus categories. See chase.com/freedom for more details and exclusions on 5% categories.

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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 July 1 through September 30, 2015 when you use your card for purchases at Gas stations and Kohl’s®.
    See examples of places where you will earn 5% cash back.

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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 Kohl’s®   category?
    Purchases made in-store at Kohl's® and at Kohls.com are included. Kohl's gift cards purchased at any location other than Kohl's or Kohls.com are not eligible for 5% cash back. Purchases that do not register to Chase as being purchased at Kohls.com, such as merchandise which is fulfilled or purchased out of the inventory of a Kohl's affiliate or partner, will not qualify for 5% cash back, even if the customer initiated the transaction by visiting Kohls.com.

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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:
    January - March: Grocery stores*, Not including Walmart(Registered Trademark) and Target(Registered Trademark) Purchases, Movie Theaters Starbucks(Registered Trademark) Stores**. Activate Between 12/15/14-3/14/15. April - June: Restaurants, Bed Bad & Beyond (Registered Trademark), H&M (Registered Trademark), Overstock.com (Registered Trademark). Activate Between 3/15/15-6/14/15. July - September: Gas stations, KOHL's (Registered Trademark). Activate Between 6/15/15-9/14/15. October - December: Amazon.com and more this fall! Activate Between 9/15/15-12/14/15. Purchase: Gas Stations. Quarterly spending: $800. Quarterly cash back $40. Purchase: Kohl's (Registered Trademark: Quarterly spending:$300. Quarterly cash back $15. Purchase: Other Spending. Quarterly Spending: $1,900. Quarterly cash back: $19. Quarterly Total: $74.

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  • What types of merchants are in the Chase Freedom Grocery stores 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 include 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 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, beverage or merchandise purchases that do not register to Chase as movie theater purchases.

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  • What types of purchases qualify for 5% cash back in the Starbucks®   stores category?
    Only purchases made with your Chase Freedom card in-store at Starbucks® locations, at StarbucksStore.com, and through the Starbucks® mobile phone application will qualify (including Starbucks Card purchases and reloads). Please be aware that purchases made at Starbucks locations within grocery stores, hotels, or other merchants may not qualify because the purchases may not be identifiable by Chase as having been made at a Starbucks® location.

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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, and department stores may not be included in this category.

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  • What types of purchases qualify for 5% cash back in the Bed Bath & Beyond®   category?
    Purchases made in-store at Bed Bath & Beyond, BedBathandBeyond.com, or through the Bed Bath & Beyond mobile app are included. Bed Bath & Beyond gift cards purchased at any location other than at Bed Bath & Beyond stores or BedBathandBeyond.com are not eligible for 5% cash back. Purchases that do not register to Chase as being purchased at BedBathandBeyond.com, such as merchandise which is fulfilled or purchased out of the inventory of a BedBathandBeyond.com affiliate or partner, will not qualify for 5% cash back even if the customer initiated the transaction by visiting BedBathandBeyond.com.

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  • What types of purchases qualify for 5% cash back in the H&M®   category?
    Purchases made in-store at H&M, at hm.com, or through the H&M mobile app are included. H&M gift cards purchased at any location other than an H&M store or HM.com are not eligible for 5% cash back. Purchases that do not register to Chase as being purchased at HM.com, such as merchandise which is fulfilled or purchased out of the inventory of a H&M affiliate or partner, will not qualify for 5% cash back even if the customer initiated the transaction by visiting HM.com.

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  • What types of purchases qualify for 5% cash back in the Overstock.com®   category?
    Purchases made at Overstock.com or through the Overstock.com mobile app are included. Overstock.com gift cards purchased at any location other than Overstock.com are not eligible for 5% cash back. Purchases that do not register to Chase as being purchased at Overstock.com, such as merchandise that is purchased on an Overstock.com affiliate or partner site, or which is fulfilled or purchased out of the inventory of an Overstock.com affiliate or partner, will not qualify for 5% cash back even if the customer initiated the transaction by visiting Overstock.com.

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  • What types of purchases qualify for 5% cash back in the Amazon.com category?
    All purchases you make 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 are included. 5% cash back does not apply to purchases made at Amazon.co.uk, Amazon.de, Amazon.fr, Amazon.co.jp, Amazon.ca, or any other website operated by Amazon.com, its affiliates and subsidiaries.

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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?
    Your Cash Back rewards are tracked as points in this program. Each penny in Cash Back rewards earned is equal to 1 point. Your points can be redeemed for cash back or any of the other redemption opportunities provided through Chase Ultimate Rewards. A minimum of 2,000 points is needed to redeem for cash back.

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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 Gas stations and Kohl's® from July 1 through September 30, 2015. 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 3Q 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 July 1. It will show was “Retro(active) 3Q 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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* Does not include purchases made at Walmart®, Target®, discount or warehouse club stores. You will still earn unlimited 1% cash back on these purchases.

** Offer limited to purchases at participating Starbucks® locations, at store.starbucks.com, and through the Starbucks® mobile phone application (including Starbucks Card purchases and reloads). Further details at chase.com/freedom

1 There is no charge from Chase, but standard text messaging and other rates from your wireless provider still apply.

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).