Chase Freedom® Closes 2025 with Latest Cash Back Categories: Chase Travel, Department Stores, Old Navy & PayPal

Chase Freedom cardmembers can receive 5% cash back across activated categories, including a special bonus category in December

WILMINGTON, Del.--(BUSINESS WIRE)--Chase Freedom is closing out 2025 and celebrating 15 years of cash back categories with a lineup that keeps cardmembers earning rewards. This quarter, Chase Freedom and Freedom Flex cardmembers can earn 5% cash back on Chase Travel^SM, at department stores, Old Navy^® as well as purchases made through PayPal (Freedom’s special bonus category available only in December).

“Whether it’s a shopping haul with friends, traveling to new destinations with family or finding that perfect holiday gift, these categories are designed so cardmembers can make the most of their spending,” said Wittney Rachlin, General Manager of Chase Freedom. “It’s a rewarding finish to our 15th anniversary celebration and we’re grateful to our cardmembers for being part of this cashbacking journey.”

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

• Chase Travel¹: 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 Stores²: Get an early start on the holiday season with 5% cash back on department stores.
• Old Navy³: Refresh your wardrobe with Old Navy’s selection of sporty, chic and comfy clothing.
• PayPal⁴: 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^SM
• 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.

About Chase
Chase is the U.S. consumer and commercial banking business of JPMorgan Chase & Co. (NYSE: JPM), a leading financial services firm based in the United States of America with assets of $4.6 trillion and operations worldwide. Chase serves more than 85 million consumers and 7 million small businesses, with a broad range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. Customers can choose how and where they want to bank: Nearly 5,000 branches in 48 states and the District of Columbia, nearly 15,000 ATMs, mobile, online and by phone. For more information, go to chase.com.

¹ This category includes prepaid travel purchases made on chasetravel.com or by calling the number on the back of your card to book. Eligible travel purchases include airline tickets, hotels, car rentals, cruises, activities and tours. Any items or charges not paid for on chasetravel.com or by calling the number on the back of your card will not qualify. Travel purchases through FROSCH and its family of travel companies will not qualify even if you call the number on the back of your card to book. Any portion of your purchase paid for using points will not qualify. You may see “travel purchased through Chase” or “travel purchased through Chase Ultimate Rewards” in marketing materials to refer to travel purchased through Chase Travel. To see a breakdown of your rewards earned from Chase Travel purchases, go online to your Rewards Activity page. You can also see it on your monthly card billing statement.

² Merchants in this category generally have multiple departments which sell apparel, home furnishings, furniture, electronics, cosmetics, housewares, and major household appliances. These departments may have their own separate check-out counters. Purchases made on a merchant’s website are included. Supercenters, discount stores, or specialty stores (e.g., stores that sell primarily one line of products such as shoe stores, pet stores, electronics stores, clothing stores), and online marketplace websites (online stores that do not have physical locations and sell a variety of products) are not included in this category. Gift cards purchased outside the specific department store (e.g., at a grocery store, online gift card mall, or other retailers outside the department store) are excluded. Additionally, gift cards purchased through department store websites where gift cards are fulfilled through a third party are excluded.

³ This category includes transactions made through Old Navy stores, including physical stores and online. Purchases on other Gap, Inc. brands are not included (i.e. Gap, Banana Republic, Athleta, etc.). Purchases through short-term installment loan providers are not included such as Klarna, AfterPay, etc. This category does not include charitable donations through Old Navy or Old Navy affiliates. This category does not include transactions through third-party cash back platforms such as Fluz.

⁴ This category includes purchases made using your Chase Freedom card with PayPal. Purchases made using PayPal at merchants in the current 5% quarterly categories will be awarded a total of 5% Cash Back rewards. Payments made through the Xoom transfer service are not eligible for 5%. Must have/open a PayPal account. Please note, Person-to-Person (P2P) transactions made with your Chase Freedom card on PayPal may not be eligible for 5%.