چیس فریڈم کیو 4 زمرہ جات اب رواں دواں: چیس ٹریول ، اولڈ نیوی اور ڈپارٹمنٹ اسٹورز کے ساتھ 5 ٪ کیش بیک حاصل کریں

چیس فریڈم کیو 4 زمرہ جات اب رواں دواں: چیس ٹریول ، اولڈ نیوی اور ڈپارٹمنٹ اسٹورز کے ساتھ 5 ٪ کیش بیک حاصل کریں

ADVERTISEMENTNewsChase Freedom Q4 categories now live: Earn 5% cash back with Chase Travel, Old Navy and department storesEmily ThompsonEmily ThompsonNewsletter & Partnerships EditorEmily Thompson specializes in beginner content as a credit cards editor. She taps into her prior experience as a high school English teacher to help others demystify credit scores and unlock experiences that credit card rewards can make possible.Olivia MittakOlivia MittakCredit Cards EditorOlivia Mittak is a credit cards editor at TPG. She specializes in maximizing earn for points and miles, finding the best welcome bonuses and choosing the right credit cards for your wallet.also contributed to this storyOct. 01, 2025•15 min readThe cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view ouradvertising policy andproduct review methodology for more information.Editor's NoteThis is a recurring post, regularly updated with new information and offers.Get ready to rack up rewards: Cardholders of the Chase Freedom Flex® (see rates and fees) or the legacy Chase Freedom* can earn 5% cash back (or 5 points per dollar) this quarter with Chase Travel℠, department stores and Old Navy.These categories are live — but make sure you activate them to earn bonus rewards. After doing that, you'll earn 5% back on up to $1,500 in combined spending across every category. (PayPal purchases will also be eligible for 5% cash back but only during the month of December.)Here's what you need to know about this quarter's categories.*This card is no longer available to new applicants. The information for the Chase Freedom has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.Chase Freedom Q4 2025 categoriesThrough Dec. 31, Freedom and Freedom Flex cardholders can earn 5% cash back (or 5 points per dollar) on up to $1,500 in combined purchases across these Q4 bonus categories (then 1% back):Chase Travel (boosted 9% cash back for Freedom Flex cardholders; 5% for Freedom cardholders)Department storesOld NavyFor the month of December, cardholders will earn 5% bonus cash back on PayPal.PayPal is present for its sixth consecutive Q4 and department stores included for the first time in six years. Old Navy makes its debut this quarter.Chase Travel also offers a fresh twist: Unlike last year's Q2 hotel-only promotion, all Chase Travel bookings — including flights, hotels, car rentals and attractions — qualify this time. Freedom Flex cardholders can earn 9% back, as the card's standard 5% Chase Travel rate stacks with a quarterly 4% bonus, according to a Chase spokesperson.Daily NewsletterReward your inbox with the TPG Daily newsletterJoin over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG’s expertsTHE POINTS GUYAs noted above, activate this quarter's categories now to unlock their bonus-earning potential.It's simple to complete this process through your Chase account; just provide your last name, the last four digits of your card and your ZIP code.Analyzing the Q4 bonus categoriesIt's pretty clear these categories are designed with holiday travel and shopping in mind. Between visiting loved ones, picking up gifts and maybe even treating yourself, your spending can add up fast — so earning 5% cash back on many of those purchases can help take a bit of the sting out of your budget.DRAGANA991/GETTY IMAGESHere are the details:Chase Travel: If you're heading out of town to see friends or family — or thinking about gifting a trip — booking through Chase Travel can be a good move. Just note that booking through an online travel agency like Chase Travel can mean missing out on hotel points and elite status perks.Department stores: It's not often that department stores make the bonus list, so this is a nice inclusion. Chase says supercenters don't count, so purchases at places like Walmart likely won't earn bonus rewards.Old Navy: Whether you shop online or in-store, your Old Navy purchases will qualify. It could be a good excuse to pick up something for yourself while shopping for others.PayPal (December only): Lots of online retailers offer PayPal at checkout, and you might even be able to use it for some utility bills. Just make sure your Freedom card is set as your preferred payment method in PayPal — and remember to switch things back in January.Remember that Chase limits the 5% cash back (or 5 points per dollar) you can earn to the first $1,500 spent in combined bonus categories each quarter you activate the bonus. After you reach the maximum, you'll earn 1% back (or 1 point per dollar spent) on these purchases.Chase Freedom rotating categories historyYearQuarterBonus categories2025Q4Chase Travel (elevated 9% cash back for Freedom Flex cardholders), department stores and Old NavyPayPal (December only)Q3Gas and EV charging stations, Instacart and select live entertainmentQ2Amazon and select streaming servicesInternet, cable and phone services (June only)Q1Select grocery stores, fitness club and gym memberships, self-care and spa services, and Norwegian Cruise Line purchasesTax preparation and insurance (March only)2024Q4McDonald's (elevated 7% cash back for Freedom Flex cardholders), PayPal, pet shops and veterinarian services, and select charitiesQ3Gas and EV charging stations, movie theaters and select live entertainmentQ2Hotels booked through Chase Travel℠, dining and Amazon (different earning rates depending on the card, i.e., 9%, 7% and 5%, respectively, for the Freedom Flex; 5% for all three categories for the Freedom)Q1Select grocery stores, fitness club and gym memberships, and self-care and spa services2023Q4PayPal, select charities and wholesale clubsQ3Gas and EV charging stations, and select live entertainmentQ2Amazon and Lowe'sQ1Grocery stores, gym memberships and fitness clubs, and Target2022Q4PayPal and WalmartQ3Gas stations, rental cars, movie theaters and select live entertainmentQ2Amazon and select streaming servicesQ1Grocery stores and eBay2021Q4PayPal and WalmartQ3Grocery stores and select streaming servicesQ2Gas stations and home improvement storesQ1Wholesale clubs, select streaming services and internet, cable and phone services2020Q4PayPal and WalmartQ3Amazon and Whole Foods MarketQ2Grocery stores, gym memberships and fitness clubs, and select streaming servicesQ1Gas stations, internet, cable and phone services, and select streaming services2019Q4Chase Pay, PayPal and department storesQ3Gas stations and select streaming servicesQ2Grocery stores and home improvementQ1Gas stations, drugstores and tolls2018Q4Wholesale clubs, department stores and Chase PayQ3Lyft, Walgreens and gas stationsQ2Groceries, PayPal and Chase PayQ1Mobile wallets, gas stations and internet, cable and phone service merchants2017Q4Walmart and department storesQ3Restaurants and movie theatersQ2Grocery stores and drugstoresQ1Gas stations and local commuter transportation2016Q4Wholesale clubs, drugstores and department storesQ3Restaurants and wholesale clubsQ2Grocery stores and wholesale clubsQ1Gas stations and local commuter transportation2015Q4Amazon, Zappos, Audible and Diapers.comQ3Gas stations and Kohl'sQ2Restaurants, Bed Bath & Beyond, H&M and OverstockQ1Grocery stores, movie theaters and Starbucks2014Q4Amazon, Zappos and department storesQ3Gas stations and Kohl'sQ2Restaurants and Lowe'sQ1Gas stations, movie theaters and StarbucksChase Freedom bonus categories FAQsHow do rotating categories work?Each quarter, Chase announces a group of bonus categories that will earn 5% cash back (or 5 points per dollar) throughout the upcoming three-month period (on up to $1,500 in combined spending each quarter).Generally, these categories are announced halfway through the month before the new quarter starts to give cardmembers time to activate new categories beforehand. However, you can activate your categories until midway through the last month of the quarter.The categories tend to repeat periodically. For instance, grocery stores, restaurants and gas stations are all common categories you'll notice frequently pop up on the bonus calendar. So, depending on the categories and whether you can maximize them, these two cards can offer quite a nice chunk of cash back or bonus points over the year.How much cash back can I earn each quarter?Chase limits the 5% cash back (or 5 points per dollar) to the first $1,500 spent in combined bonus categories each quarter you activate the bonus.While that may not sound like a lot, that cash back adds up over time. Maximizing the cash-back categories each quarter, you'll earn $75 in cash back quarterly and up to $300 per year. For a no-annual-fee credit card, that's a lot of value.ROCKAA/GETTY IMAGESAlternatively, suppose you have a card that earns transferable Chase Ultimate Rewards points, like the Chase Sapphire Preferred® Card (see rates and fees). In that case, you can combine the rewards from your Chase Freedom or Freedom Flex card with those you earn from your more premium Ultimate Rewards-earning card. By doing this, your rewards become fully transferable.If you follow that method, your $300 in bonus cash back would be worth 30,000 Ultimate Rewards points. TPG's June 2025 valuations peg Chase points at 2.05 cents apiece, making the 30,000 points you can earn in a year worth $615.How do I activate my 5% categories each quarter?You can head to Chase's site to activate your 5% cash back (or 5 points per dollar) categories for this quarter. You can also register through the Chase mobile app.Here's how to register:1. Head to the Chase bonus activation page, or log into your Chase account.2. Enter your last name, the last four digits of your card number and your billing ZIP code. If you don't have your card on hand, log in to your Chase account to retrieve these digits.3. Click "Activate your 5%" to register.4. If you have multiple Chase Freedom cards, make sure to register each one.5. Save a screenshot of your activation in case of any issues later, though you should also receive a "You're Activated!" confirmation email.Can I have both the Chase Freedom and the Chase Freedom Flex to double my earning potential?Yes, you can have both cards. So, if you already have the Chase Freedom and want to add the Chase Freedom Flex to your wallet, you're free to do so.Remember that the original Freedom card is no longer open to new applicants. If you'd rather only have one, though, the Freedom Flex is available as a product change.Of course, you'll also want to ensure you're eligible for a new Chase card.How do I maximize my Freedom and Freedom Flex cards?The most important thing is to activate your card to earn 5% cash back (or 5 points per dollar) each quarter in the specific categories and then use your card for purchases in those categories.You can set up a recurring reminder in your calendar or sign up for the TPG newsletter. (We send out a reminder when it's time to activate every quarter, plus tips and tricks for how to maximize your card strategy and score some excellent award redemptions.)WIPHOP SATHAWIRAWONG/GETTY IMAGESIn addition to the rotating bonus categories, the Freedom Flex accrues 5% cash back on all other travel booked through Chase Travel℠, 3% cash back on drugstore purchases, 3% cash back on dining (including eligible delivery services) and 1% unlimited cash back on all other purchases.Better yet, when paired with a Chase credit card that earns fully transferable Ultimate Rewards points, such as the Chase Sapphire Reserve® (see rates and fees) or the Chase Sapphire Preferred, the Chase Freedom Flex's 5% cash back effectively becomes 5 Ultimate Rewards points per dollar. You can learn all about this in our guide detailing the "Chase Trifecta".Bottom lineIf you're a Chase Freedom or Freedom Flex cardholder, you can earn 5% cash back (or 5 points per dollar spent) with Chase Travel, department stores and Old Navy through Dec. 31. PayPal will be available as a bonus category for the month of December only.Activate these categories now so you don't miss out on any bonus rewards. And remember that that Chase limits your quarterly bonus category earnings to the first $1,500 of combined spending each quarter.To learn more, read our full review of the Chase Freedom Flex.Apply here: Chase Freedom FlexFeatured image by TOM WERNER/GETTY IMAGESEditorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.TPG featured cardBest for businesses with high spendingCapital One Venture X BusinessApply for Capital One Venture X BusinessTerms & restrictions apply. See rates & feesTPG Editor‘s RatingOpen Editors ratingCard Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.4.5 / 5Go to reviewApply nowApply for Capital One Venture X Businessat Capital One's secure siteRewards2 - 10X milesdetails2X miles2 miles per dollar on every purchase5X miles5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel10X miles10 miles per dollar on hotels and rental cars booked through Capital One Business TravelIntro offerLIMITED-TIME OFFER: Earn up to 400K bonus milesdetailsEarn 200K miles when you spend $30K in the first 3 months, and an additional 200K miles when you spend $150K in the first 6 monthsAnnual Fee$395Recommended Credit740-850Excellentmore infoCredit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Why We Chose ItThe Capital One Venture X Business Card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit. (Partner offer)Pros & ConsProsThe Capital One Venture X business card has a very lucrative welcome offer.In addition, the card comes with many premium travel perks such as an annual $300 credit for bookings through Capital One Business Travel.Business owners are also able to add employee cards for free.ConsThe card requires significant spending to earn the welcome offer.Another drawback is that the annual travel credit can only be used on bookings made through Capital One Business Travel. More DetailsLIMITED-TIME OFFER: Earn up to 400K bonus miles: 200K miles when you spend $30K in the first 3 months, and an additional 200k miles when you spend $150k in the first 6 monthsEarn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictionsEarn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business TravelWith no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewardsEmpower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with easeRedeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programsEvery year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business TravelReceive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollmentEnjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier CollectionThis is a pay-in-full card, so your balance is due in full every monthApply nowApply for Capital One Venture X Businessat Capital One's secure siteTerms & restrictions apply. See rates & feesBest for businesses with high spendingCapital One Venture X BusinessTPG Editor‘s RatingOpen Editors ratingCard Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.4.5 / 5Go to reviewRewards Rate2X miles2 miles per dollar on every purchase5X miles5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel10X miles10 miles per dollar on hotels and rental cars booked through Capital One Business TravelIntro OfferOpen Intro bonusEarn 200K miles when you spend $30K in the first 3 months, and an additional 200K miles when you spend $150K in the first 6 monthsLIMITED-TIME OFFER: Earn up to 400K bonus milesAnnual Fee$395Recommended CreditOpen Credit score descriptionCredit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.740-850ExcellentWhy We Chose ItThe Capital One Venture X Business Card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit. (Partner offer)View MorePros + consMore DetailsProsThe Capital One Venture X business card has a very lucrative welcome offer.In addition, the card comes with many premium travel perks such as an annual $300 credit for bookings through Capital One Business Travel.Business owners are also able to add employee cards for free.ConsThe card requires significant spending to earn the welcome offer.Another drawback is that the annual travel credit can only be used on bookings made through Capital One Business Travel. LIMITED-TIME OFFER: Earn up to 400K bonus miles: 200K miles when you spend $30K in the first 3 months, and an additional 200k miles when you spend $150k in the first 6 monthsEarn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictionsEarn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business TravelWith no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewardsEmpower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with easeRedeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programsEvery year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business TravelReceive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollmentEnjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier CollectionThis is a pay-in-full card, so your balance is due in full every monthgtm--featured-card-10186

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