Chase Freedom Q4 Categories Revealed: PayPal, Travel, Old Navy, and More

Understanding the Chase Freedom Q4 2025 Bonus Categories

Cardholders of the Chase Freedom Flex® and the legacy Chase Freedom can unlock 5% cash back (or 5 points per dollar) on specific categories from October to December. These include Chase Travel, department stores, Old Navy, and PayPal for December. This is a great opportunity to earn rewards while shopping and traveling.

Key Details About the Q4 2025 Categories

From October 1 to December 31, cardholders will earn 5% cash back on up to $1,500 in combined purchases across these bonus categories. After reaching this limit, the cash back rate drops to 1%. For December, PayPal will offer an additional 5% bonus cash back.

Chase Travel has expanded its eligibility this quarter. Unlike previous years, it now includes flights, hotels, car rentals, and attractions. The Freedom Flex cardholders will benefit even more with 9% cash back, combining the standard 5% rate with a quarterly 4% bonus.

How to Activate the Categories

To start earning rewards, you need to activate these categories through your Chase account. The process is simple: enter your last name, the last four digits of your card number, and your ZIP code. Once activated, you can begin spending from October 1 to maximize your earnings.

Analyzing the Q4 Bonus Categories

The chosen categories are designed to align with holiday travel and shopping. Here’s a breakdown:

• Chase Travel: Ideal for booking trips or gifting travel experiences. However, using online travel agencies might affect hotel points and elite status perks.
• Department Stores: A rare inclusion on the bonus list. Note that supercenters like Walmart may not qualify.
• Old Navy: Offers a chance to shop for yourself while purchasing gifts for others.
• PayPal (December Only): Use it for online purchases and utility bills, ensuring your card is set as the preferred payment method.

Historical Overview of Chase Freedom Rotating Categories

Chase frequently updates its bonus categories, often repeating popular ones like grocery stores, restaurants, and gas stations. Here’s a glimpse at past quarters:

2025

• Q4: Chase Travel, department stores, Old Navy, and PayPal (December only)
• Q3: Gas and EV charging stations, Instacart, and select live entertainment
• Q2: Amazon and select streaming services
• Q1: Select grocery stores, fitness memberships, self-care, and Norwegian Cruise Line

2024

• Q4: McDonald's, PayPal, pet shops, and charities
• Q3: Gas and EV charging stations, movie theaters, and live entertainment
• Q2: Hotels, dining, and Amazon
• Q1: Grocery stores, gym memberships, and self-care

This pattern continues through the years, highlighting recurring themes such as gas stations, grocery stores, and travel-related categories.

Frequently Asked Questions About Chase Freedom Bonus Categories

How do rotating categories work?
Each quarter, Chase announces new bonus categories that offer 5% cash back on up to $1,500 in combined spending. These categories are typically announced halfway through the month before the new quarter begins.

How much cash back can I earn each quarter?
The maximum is $75 per quarter, totaling $300 annually. If you have a Chase Ultimate Rewards card, you can combine points for greater value.

How do I activate my 5% categories each quarter?
Visit Chase’s site or use the mobile app. Enter your last name, card details, and ZIP code to activate.

Can I have both the Chase Freedom and the Chase Freedom Flex?
Yes, but the original Freedom card is no longer available to new applicants. The Freedom Flex is a viable option if you want to maximize your rewards.

How do I maximize my Freedom and Freedom Flex cards?
Activate the categories and use your card for eligible purchases. Set reminders and consider pairing with a Chase Ultimate Rewards card for added benefits.

Tips for Maximizing Your Rewards

In addition to the rotating categories, the Freedom Flex offers 5% cash back on all travel booked through Chase Travel, 3% on drugstore purchases, 3% on dining, and 1% on other purchases. Pairing it with a Chase Ultimate Rewards card can enhance your rewards significantly.

Final Thoughts

If you're a Chase Freedom or Freedom Flex cardholder, take advantage of the Q4 2025 bonus categories. Activate them now to start earning rewards on Chase Travel, department stores, Old Navy, and PayPal in December. Remember, the quarterly limit is $1,500 in combined spending. To learn more, explore our full review of the Chase Freedom Flex.