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 April 1 and June 30, 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 June 14, 2016 and use your card between April 1 and June 30, 2016 in the bonus categories to earn bonus cash back.

    Back to top

  • 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.

    Back to top

  • 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.

    Back to top

  • 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 Grocery Stores3 (not including Walmart® and Target® purchases) and Wholesale Clubs4 where your Chase Freedom card is accepted from April 1-June 30, 2016. See calendar

    Back to top

  • 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 April 1 through June 30, 2016 when you use your card for purchases at Grocery Stores3 (not including Walmart® and Target® purchases) and Wholesale Clubs4 where your Chase Freedom card is accepted.
    See examples of places where you will earn 5% cash back.

    Back to top

  • 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.

    Back to top

  • 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.

    Back to top

  • 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.

    Back to top

  • 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 for acceptance of your Chase Freedom card.

    Back to top

  • 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
    Grocery Stores3 not including Walmart® and Target® purchases $800 $40.00
    Wholesale Clubs4 $300 $15.00
    Other Spending $1,900 $19.00
    QUARTERLY TOTAL: $74.00

    Back to top

  • 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.

    Back to top

  • 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.

    Back to top

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 Grocery Stores3 (not including Walmart® and Target® purchases) and Wholesale Clubs4 where your Chase Freedom® card is accepted from April 1 through June 30, 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.

    Back to top

  • 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 2Q 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 April 1. It will show as “Retro(active) 2Q 5% cat(egory) bonus”.

    Back to top

  • 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.

    Back to top

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 Online℠ and download the Chase Freedom® Mobile App. There is no charge from Chase, but messages and data rate charges may apply. Such charges include those from your communications service provider.

3 Does not include purchases made at Walmart®, Target®, or other discount stores. You will still earn unlimited 1% cash back on these purchases.

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.

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).