Chase Freedom 5% Categories for Q4 2025: Chase Travel, Department Stores, Old Navy, PayPal

Chase Freedom 5% Categories for Q4 2025

Chase Freedom has revealed the 5% cash back categories for the last quarter of 2025. This quarter, Chase Freedom and Freedom Flex cardmembers can earn 5% cash back on Chase Travel, at department stores, Old Navy as well as purchases made through PayPal (Freedom’s special bonus category available only in December).

Starting October 1, 2025 through December 31, 2025, Chase Freedom and Freedom Flex cardmembers can earn 5% cash back on the following categories:

• Chase Travel: Pack your bags and travel to your dream destination while earning 5% cash back on eligible purchases made on ChaseTravel.com. For Freedom Flex cardmembers, that becomes even more rewarding with 9% total cash back when booking through Chase Travel.
• Department Stores: Get an early start on the holiday season with 5% cash back on department stores.
• Old Navy: Refresh your wardrobe with Old Navy’s selection of sporty, chic and comfy clothing.
• PayPal: During the month of December, cardmembers can earn 5% cash back on purchases made using PayPal, helping make holiday shopping a breeze.

In addition to these rotating categories, Chase Freedom Flex cardmembers always earn:

• 5% cash back on travel booked through Chase Travel
• 3% cash back on dining at restaurants (including takeout and eligible delivery services)
• 3% cash back on drugstore purchases
• 1% cash back on all other purchases

To earn 5% cash back on these categories beginning October 1, 2025, Chase Freedom and Freedom Flex cardmembers can activate their bonus categories today.

For more information on participating merchants and how to activate Freedom and Freedom Flex’s quarter category offer, visit Chase.com/Freedom or Chase.com/FreedomFlex.

Guru’s Wrap-Up

I doubt anyone is super excited about these categories, but at least you have PayPal for the month of December which should help. Plus you can check out some department stores such as Kohl’s or JCPenney for third party gift cards.

Don’t forget to maximize this quarter’s categories as well. Q3 categories include Gas Stations, EV Charging, Select Live Entertainment, and Instacart.

History of Quarterly 5% Categories for Chase Freedom Cards

Quarter	Categories
2025 – Q4	Chase Travel Department Stores Old Navy PayPal (December only)
2025 – Q3	Gas Stations EV Charging Select Live Entertainment Instacart
2025 – Q2	Amazon Select Streaming Services
2025 – Q1	Norwegian Cruise Lines Grocery Stores (excluding Walmart and Target) Fitness Clubs & Gym Memberships Hair, Nails & Spa Services Tax Preparation & Insurance
2024 – Q4	McDonald’s PayPal Pet Shops Vet Services Select Charities
2024 – Q3	Gas Stations EV Charging Select Live Entertainment Movie Theaters
2024 – Q2	Select hotel bookings (directly with hotel or prepaid through Chase) Restaurants Amazon
2024 – Q1	Grocery stores Fitness clubs and gym memberships Self-care and spa services.
2023 – Q4	PayPal Select charities Wholesale clubs
2023 – Q3	Gas stations and EV charging Select live entertainment
2023 – Q2
2023 – Q1	Grocery stores Target Fitness clubs and gym memberships
2022 – Q4
2022 – Q3	Gas stations Car rentals Movie theaters Select live entertainment
2022 – Q2	Amazon Select streaming services
2022 – Q1
2021 – Q4
2021 – Q3	Grocery stores Select streaming services
2021 – Q2	Gas stations Home improvement stores
2021 – Q1	Wholesale clubs Select streaming services Internet, cable and phone services
2020 – Q4
2020 – Q3	Amazon Whole Foods Market
2020 – Q2	Grocery stores Gym memberships and fitness clubs Select streaming services
2020 – Q1	Gas stations Select streaming services Internet, cable and phone services.