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 January 1 to March 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 March 14, 2018 and use your card between January 1 to March 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 Gas Stations, Cable/Internet/Phone and Chase Pay/Android Pay/Apple Pay/Samsung Pay from January 1 to March 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 January 1 to March 31, 2018 when you use your card for purchases at Gas Stations, Internet/Cable/Phone Services, and Chase Pay/Apple Pay/Samsung Pay/Android Pay.

    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 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 in the Chase Pay/Android Pay/Apple Pay/Samsung Pay category?
    Includes purchases made using your Freedom card with your Chase Pay, Android Pay, Apple Pay or Samsung Pay digital 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! Here's a look at how your cash back can add up over just one quarter:
    PURCHASE QUARTERLY SPENDING QUARTERLY CASH BACK
    Gas Stations $500 $25.00
    Cable/Internet/Phone $600 $30.00
    Chase Pay/Android Pay/Apple Pay/Samsung Pay $400 $20.00
    Other Spending $1,900 $19.00
    QUARTERLY TOTAL: $94.00

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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.

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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, Internet/Cable/Phone Services, and Chase Pay/Apple Pay/Samsung Pay/Android Pay from January 1 through March 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 1Q 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 January 1. It will show was “Retro(active) 1Q 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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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).

Chase, Chase Pay, and the Chase Octagon are trademarks of JPMorgan Chase Bank, N.A.

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

Android Pay is available for any NFC- and HCE-enabled Android device running KitKat 4.4+.

Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later 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.

© 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.