Chase Freedom 5% Cash-Back Categories This Quarter

This article will provide an overview of the Chase Freedom 5% Cash-Back Categories for this quarter. It is a credit card that offers additional rewards to customers who use it regularly. This program provides an opportunity to save money while using their cards, but also allows them to earn more in cash back than they would with other popular credit cards. The details of these categories are discussed in further detail in the following paragraphs.

Chase Freedom provides users with up to five percent cash back on purchases made within select categories each quarter. These categories change every three months and are announced at least one month prior to the start of the new period. Customers have access to bonus rewards when shopping within certain retailers, including department stores, gas stations, grocery stores, restaurants, and many more. Additionally, members can take advantage of discounts offered by partnering merchants as well as exclusive deals from participating vendors available only through Chase Freedom’s online portal.

The current list of 5% Cash-Back Categories includes Department Stores & Clothing Retailers; Grocery Stores & Supermarkets; Gas Stations; Restaurants; Movie Theaters; and Home Improvement Stores & Furniture Retailers. Each category has its own unique set of qualifying merchants and terms associated with it so customers should review those before making any purchase decisions or signing up for any special offers provided by retailers included in the various categories. In addition to providing extra value for consumers, this promotion helps enhance loyalty among existing customers and encourages potential new ones to join Chase’s family of cardholders.

Overview Of 5% Cash-Back Offers

Cash-back offers are a great way for consumers to get the most out of their spending. Chase Freedom is one such card that provides 5% cash-back on certain categories each quarter, with no minimum or maximum amount required. This article will provide an overview of the current 5% cash-back categories for this quarter offered by Chase Freedom.

First and foremost, customers can earn 5% cash-back in rotating quarterly bonus categories on up to $1,500 in combined purchases each time they activate their rewards online or via the app. For example, this quarter (April – June 2021) customers have the opportunity to receive 5% back at grocery stores including Walmart Grocery Pickup & Delivery as well as when they make eligible purchases using their Chase Freedom cards; 3% back on all travel purchases like gas stations, rideshares and transit; and 1% back on all other purchases. Customers should keep in mind that if they spend more than $1,500 per quarter in these bonus categories then any purchase beyond $1,500 will only be rewarded with 1%. It is important for customers to also note that bonus category rewards do not include returns, balance transfers, fees or interest charges associated with those transactions.

Eligible Categories For The Quarter

The Chase Freedom 5% cash-back program offers cardholders the opportunity to earn rewards on select categories each quarter.

This quarter, from April 1st – June 30th, 2021 eligible purchases include:

  • Home Improvement Stores and Wholesale Clubs
  • Select Streaming Services
  • Restaurants (including takeout & delivery)
  • Drugstores Purchases made at these retailers will qualify for a 5% cash-back reward when charged to the cardholder’s account.

The amount of cash-back earned is capped at $750 per quarter. To receive the full benefit of this offer cardholders must enroll in the program by May 15th, 2021 or else they may miss out on earning rewards points during that period. It is important to note that charges applied outside of these categories do not qualify for a cash-back reward regardless if those purchases are made with the Chase Freedom Card.

Maximum Earnings For The Quarter

This quarter, Chase Freedom card holders can earn 5% cash-back on up to $1,500 in combined purchases from rotating categories. The maximum rewards that customers can earn from the 5% cash-back program this quarter is $75. To qualify for these maximum earnings, customers must activate their cards each quarter and make sure they have spent at least $1,500 in total within the designated categories. Any spending beyond the limit of $1,500 will result in 1% cash back reward instead of the usual 5%. Moreover, transactions made outside of the quarterly promotion period do not count towards meeting the required maximum spending amount. Customers are advised to keep track of their expenses throughout the three months so as not to go over or miss out on any potential rewards. Additionally, cardholders should pay close attention to promotional details when they are released by Chase in order to maximize their earning potential during this particular quarter’s promotions.

How To Redeem Cash-Back Rewards

To redeem their cash-back rewards, customers must log into their Chase Freedom account and navigate to the ‘Rewards Summary’ page. From there, customers can choose whether they would like to receive their rewards as a statement credit or direct deposit into an eligible U.S. checking or savings account. They also have the option of donating their reward balance to charity if desired.

When redeemed for statement credits, customers will see the corresponding amount credited to their next billing cycle in 1–2 days; when redeemed via direct deposit, it typically takes 3–5 business days before funds are available in the designated bank account. Cash-back rewards do not expire unless otherwise noted by Chase Freedom and cannot be transferred between accounts or converted into physical currency.

Tips For Maximizing Your Savings

This quarter, the Chase Freedom card offers 5% cash-back on select categories. To maximize your savings, it is important to understand how to use this benefit effectively.

The following table outlines three key tips for saving money with the Chase Freedom card:


Tip Description Example
Activate Categories Every Quarter Ensure you activate each quarter’s bonus categories to gain maximum rewards Sign into your account and click ‘activate’ before making a purchase in the eligible category
Use Multiple Cards |Take advantage of multiple cards that offer different reward benefits Take advantage of multiple cards that offer different reward benefits Combine spending on non-bonus categories among multiple cards, such as one offering 2% cash back while another offers 1% cash back
Track Spending Habits Keep track of which purchases belong to which bonus category throughout the year to maximize earnings For example, if you buy gas from both stations and grocery stores during the same month, make sure you know where each transaction belongs so that you can get full credit for those purchases.


By activating categories every quarter, using multiple cards, and tracking spending habits, customers will be able to take advantage of all available rewards when they use their Chase Freedom Card. Knowing what types of purchases are associated with certain bonus categories allows consumers to manage their finances more efficiently by earning more rewards points or cash back. Additionally, combining spending across multiple cards helps customers save even further by taking advantage of special discounts and promotions offered through these other accounts. With these techniques in mind, customers can reap maximum benefits from the Chase Freedom Card’s 5% cash-back offer this quarter.

Fine Print & Terms And Conditions

In order to maximize savings, it is important for individuals to be aware of the fine print and terms and conditions associated with a particular offer.

The Chase Freedom card offers 5% cash-back categories this quarter which have specific rules that must be followed in order to take advantage of the promotion:


  • Cash back rewards are only eligible on up to $1500 in combined purchases each quarter.
  • Purchases made over the limit will earn 1%.
  • Rewards are applied as points that can be used directly towards statement credits or redeemed for gift cards and merchandise.
  • Expired points cannot be transferred or refunded.

It is also important to note that returns and refunds may affect the amount of total rewards earned during the promotional period and any disputes concerning charges should be reported within 60 days in order to reverse them from your quarterly earnings balance. Therefore, customers should review their statements regularly throughout the year in order to ensure accuracy and not miss out on potential savings opportunities such as this one offered by Chase Freedom Card.


This quarter, those with a Chase Freedom credit card have the opportunity to earn 5% cash-back rewards on certain purchases. Eligible categories for the quarter include gas stations, streaming services and select department stores. Purchases made in these categories are eligible for up to $1,500 maximum earnings each quarter. Cash-back rewards can be redeemed through Ultimate Rewards or used as statement credits towards future purchases.

To maximize savings while participating in this promotion, it is important to stay within the set limits of $1,500 maximum earning per quarter. Planning ahead by researching what types of purchases will qualify and making sure that all expenses fall within eligible categories can help ensure users take full advantage of this offer. Moreover, understanding the fine print and terms & conditions associated with the program helps users avoid any potential issues when redeeming their rewards.

Overall, Chase Freedom’s 5% Cash-Back offers provide an excellent opportunity to save money on everyday purchases such as groceries and gasoline. By staying within the parameters of eligible categories and quarterly spending limits, customers can make use of this valuable benefit without incurring additional costs or fees from exceeding purchase restrictions.

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