Chase is kicking off 2025 with a bang for Chase Freedom (now not out there to new candidates) and Chase Freedom Flex® cardholders. For the primary quarter, we’re seeing the return of three of our favourite classes and a brand-new one.
Through the first quarter of subsequent 12 months, cardholders can earn bonus rewards on spending at choose grocery shops, on health membership and fitness center memberships, on self-care and spa companies, and — for the primary time — on Norweigan Cruise Line purchases.
Many people are setting objectives round well being and wellness for the brand new 12 months, and it is a nice probability to earn some additional rewards alongside the way in which. Whether or not you are targeted on cooking extra at dwelling, testing a brand new fitness center, lowering stress by including in some spa therapies or cruising the excessive seas, there is a bonus class for you.
Now you can activate to earn 5% money again (or 5 factors per greenback) on as much as $1,500 of spending in these classes — and 1% (or 1 level per greenback) after that — between Jan. 1 and March 31.
The knowledge for the Freedom bank card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Chase Freedom and Freedom Flex Q1 2025 classes
From Jan. 1 by way of March 31, Chase Freedom and Chase Freedom Flex cardmembers can earn 5% money again (or 5 factors per greenback) on spending within the following classes:
- Choose grocery shops (together with Instacart)
- Health membership and fitness center memberships
- Self-care and spa companies
- Norwegian Cruise Line purchases (should guide straight with the cruise line)
As famous above, you should activate your card to unlock the bonus-earning potential in these classes.
It is easy to finish this course of by way of your Chase account; simply present your final title, the final 4 digits of your card and your ZIP code. Registration is now open.
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Analyzing the Q1 bonus classes
The primary quarter of the 12 months is the right time to take stock of your habits and set new objectives for the approaching 12 months. In case your 2025 objectives contain meal planning, the grocery class is value getting enthusiastic about. Even higher: Most grocery supply companies (together with Instacart) are coated, so it can save you time whereas incomes extra.
No matter your health habits, a health membership or fitness center membership generally is a important expense that does not match into many bank card bonus classes. For this reason it is particularly good to see it as a first-quarter bonus class.
Self-care and spa companies are returning as a bonus class for the second time. Whether or not you are treating your self by going for a brand new take a look at the salon or reserving some much-needed leisure time on the spa, you will earn bonus rewards in your me-time.
You is perhaps on the lookout for a post-holidays reprieve and someplace to go over a protracted weekend (like those developing for Martin Luther King Jr. Day and Presidents Day) or spring break. In that case, reserving a cruise with Norwegian Cruise Line will web you some bonus money again or factors.
Listed below are the bonus particulars:
- Grocery shops: House cooks and meal preppers will rejoice to see the return of the grocery retailer class. As famous above, grocery-specific supply companies (corresponding to Instacart) are included on this class. Nevertheless, shops that promote a variety of merchandise — corresponding to wholesale golf equipment like Costco and big-box retailers like Goal — are usually not included.
- Health membership and fitness center memberships: In the event you’re becoming a member of a snazzy new health studio, pay along with your Freedom or Freedom Flex to earn bonus rewards and kick up the thrill to a different stage. In the event you’re persevering with an current membership, swap your card on file to your Freedom or Freedom Flex for the primary quarter and use the additional rewards to deal with your self. Notice, nevertheless, that solely bodily studio memberships are included; you will not earn bonus rewards on health streaming subscriptions.
- Self-care and spa companies: The return of this class is thrilling, as the brand new 12 months is a good time to put money into self-care and stress reduction. Eligible magnificence and restoration therapies (corresponding to massages, spa therapies, manicures, tanning, and barber and salon companies) at a spa or taking part salon will earn bonus rewards this quarter. Nevertheless, companies offered inside a unique kind of enterprise, corresponding to a spa inside a resort, are usually not included.
- Norwegian Cruise Line: Avid cruisers — or those that have by no means tried one earlier than — can make the most of incomes money again (or factors) on cruises booked straight with NCL. Purchases by way of third-party distributors and journey businesses — corresponding to sightseeing actions, excursions and vacationer points of interest — are usually not included.
Keep in mind that Chase limits the 5% money again (or 5 factors per greenback) to the primary $1,500 spent in mixed bonus classes every quarter you activate the bonus. After you attain the utmost, you will earn 1% again on these purchases.
FAQs about Chase Freedom and Chase Freedom Flex bonus classes
How do rotating classes work?
Every quarter, Chase declares a gaggle of bonus classes that can earn 5% money again (or 5 factors per greenback) all through the upcoming three-month interval. Usually, these classes are introduced midway by way of the month earlier than the brand new quarter begins to provide cardmembers time to activate new classes beforehand. Nevertheless, you’ll be able to activate your classes till halfway by way of the final month of the quarter.
The classes are inclined to repeat periodically. For example, grocery shops, eating places and gasoline stations are all frequent classes you will discover continuously pop up on the cash-back calendar. So, relying on the classes and whether or not you’ll be able to maximize them, these two playing cards can provide fairly a pleasant chunk of money again or bonus factors over the 12 months.
Associated: Chase Freedom Flex card overview: Unimaginable incomes with no annual price
How a lot money again can I earn every quarter?
Chase limits the 5% money again (or 5 factors per greenback) to the primary $1,500 spent in mixed bonus classes every quarter you activate the bonus.
Whereas that won’t sound like so much, that money again provides up over time. Maximizing the cash-back classes every quarter, you will earn $75 in money again quarterly and as much as $300 per 12 months. For a no-annual-fee bank card, that is lots of worth.
Alternatively, because the money again you earn comes within the type of Chase Final Rewards factors, you are taking a look at a possible of as much as 30,000 bonus Final Rewards factors earned annually. Suppose you even have a premium product just like the Chase Sapphire Most well-liked® Card. In that case, you’ll be able to mix the Final Rewards factors you earn along with your Chase Freedom or Freedom Flex card with these you earn out of your extra premium Final Rewards-earning card, they usually turn into absolutely transferable.
In that case, TPG’s December 2024 valuations peg Chase factors at 2.05 cents apiece — making the 30,000 factors you’ll be able to earn in a 12 months value $615.
How do I activate my 5% classes every quarter?
You’ll be able to head to Chase’s website to activate your 5% money again (or 5 factors per greenback) for this quarter. You may also register by way of your Chase cell app, making one much less bank card web site you will want to go to commonly this 12 months.
Here is tips on how to register:
1. Head to the Chase bonus activation web page, or log into your Chase account.
2. Enter your final title, the final 4 digits of your card quantity, and your billing ZIP code. If you do not have your card available, log in to your Chase account to retrieve these digits.
3. Click on “Activate your 5%” to register.
4. If in case you have a number of Chase Freedom playing cards, be sure to register each.
5. Save a screenshot of your activation in case of any points later — although you also needs to obtain a “You are Activated!” affirmation e mail.
Can I’ve each the Chase Freedom and the Chase Freedom Flex to double my incomes potential?
Sure, you’ll be able to have each playing cards. So, if you have already got the Chase Freedom and wish to add the Chase Freedom Flex to your pockets, you are free to take action.
Keep in mind that the unique Freedom card is now not open to new candidates. In the event you’d fairly solely have one, although, the Freedom Flex is obtainable as a product change.
In fact, you will additionally wish to make sure you’re eligible for a brand new Chase card.
How do I maximize my Freedom and Freedom Flex playing cards?
A very powerful factor is to activate your card to earn 5% money again (or 5 factors per greenback) every quarter within the particular classes after which use your card for purchases in these classes.
You’ll be able to arrange a recurring reminder in your calendar, or join the TPG e-newsletter. (We ship out a reminder when it is time to activate each quarter, plus suggestions and tips for tips on how to maximize your card technique and rating some wonderful award redemptions.)
Higher but, when paired with a Chase bank card that earns absolutely transferable Final Rewards factors just like the Chase Sapphire Reserve® or the Chase Sapphire Most well-liked Card, the Chase Freedom Flex’s 5% money again successfully turns into 5 Final Rewards factors per greenback. You’ll be able to be taught all about this in our information detailing the “Chase Trifecta.”
In that case, you’ll be able to switch the factors earned with the Freedom Flex to Final Rewards factors, in addition to to journey companions like Southwest Airways, Hyatt and United Airways.
What are frequent bonus classes for the Freedom and the Freedom Flex?
In fact, you will additionally wish to just remember to’ll doubtlessly have the ability to maximize different bonus classes all year long. For reference, listed here are the earlier Chase Freedom quarterly classes again to 2012 so you’ll be able to determine if frequent classes make sense in your spending patterns:
| 12 months/Quarter | Bonus Classes |
|---|---|
| 2025 — Q1 | Choose grocery shops, health membership and fitness center memberships, self-care and spa companies, and Norweigan Cruise Line purchases |
| 2024 — This fall | McDonald’s (elevated 7% money again for Freedom Flex cardholders), PayPal, pet retailers and veterinarian companies, and choose charities |
| 2024 — Q3 | Gasoline and electrical automobile charging stations, film theaters, and choose reside leisure |
| 2024 — Q2 | Lodges booked by way of Chase Journey℠, eating and Amazon (completely different incomes charges relying on the cardboard, i.e., 9%, 7% and 5%, respectively, for the Freedom Flex; 5% for all three classes for the Freedom) |
| 2024 — Q1 | Choose grocery shops, health membership and fitness center memberships, and self-care and spa companies |
| 2023 — This fall | PayPal, choose charities and wholesale golf equipment |
| 2023 — Q3 | Gasoline stations, EV charging and choose reside leisure |
| 2023 — Q2 | Amazon and Lowe’s |
| 2023 — Q1 | Grocery shops, fitness center memberships and health golf equipment, and Goal |
| 2022 — This fall | PayPal and Walmart |
| 2022 — Q3 | Gasoline stations, rental vehicles, film theaters and choose reside leisure |
| 2022 — Q2 | Amazon and choose streaming companies |
| 2022 — Q1 | Grocery shops and eBay |
| 2021 — This fall | PayPal and Walmart |
| 2021 — Q3 | Grocery shops and choose streaming companies |
| 2021 — Q2 | Gasoline stations and residential enchancment shops |
| 2021 — Q1 | Wholesale golf equipment, choose streaming companies and web, cable and cellphone companies |
| 2020 — This fall | PayPal and Walmart |
| 2020 — Q3 | Amazon and Complete Meals Market |
| 2020 — Q2 | Grocery shops, fitness center memberships and health golf equipment, and choose streaming companies |
| 2020 — Q1 | Gasoline stations; web, cable and cellphone companies; and choose streaming companies |
| 2019 — This fall | Chase Pay, PayPal and shops |
| 2019 — Q3 | Gasoline stations and streaming companies |
| 2019 — Q2 | Grocery shops and residential enchancment |
| 2019 — Q1 | Gasoline stations, drugstores and tolls |
| 2018 — This fall | Wholesale golf equipment, shops and Chase Pay |
| 2018 — Q3 | Lyft, Walgreens and gasoline stations |
| 2018 — Q2 | Groceries, PayPal and Chase Pay |
| 2018 — Q1 | Cellular wallets, gasoline stations and web, cable and cellphone service retailers |
| 2017 — This fall | Walmart and shops |
| 2017 — Q3 | Eating places and film theaters |
| 2017 — Q2 | Grocery shops and drugstores |
| 2017 — Q1 | Gasoline stations and native commuter transportation |
| 2016 — This fall | Wholesale golf equipment, drugstores and shops |
| 2016 — Q3 | Eating places and wholesale golf equipment |
| 2016 — Q2 | Grocery shops and wholesale golf equipment |
| 2016 — Q1 | Gasoline stations and native commuter transportation |
| 2015 — This fall | Amazon, Zappos, Audible and Diapers.com |
| 2015 — Q3 | Gasoline stations and Kohl’s |
| 2015 — Q2 | Eating places, Mattress Bathtub & Past, H&M and Overstock |
| 2015 — Q1 | Grocery shops, film theaters and Starbucks |
| 2014 — This fall | Amazon, Zappos and shops |
| 2014 — Q3 | Gasoline stations and Kohl’s |
| 2014 — Q2 | Eating places and Lowe’s |
| 2014 — Q1 | Gasoline stations, film theaters and Starbucks |
| 2013 — This fall | Shops and Amazon |
| 2012 — Q3 | Gasoline stations, theme parks and Kohl’s |
| 2012 — Q2 | Eating places and film theaters |
| 2012 — Q1 | Gasoline stations, drugstores and Starbucks |
Backside line
In the event you’re a Chase Freedom or Freedom Flex cardholder, activate to earn 5% money again (or 5 factors per greenback) on grocery, health membership and fitness center membership, self-care and spa, and Norwegian Cruise Line purchases through the first quarter of 2025.
Along with the rotating bonus classes, the Freedom Flex accrues 5% money again on all different journey booked by way of Chase Journey, 3% money again on drugstore purchases, 3% money again on eating (together with eligible supply companies), and 1% limitless money again on all different purchases.
Apply right here: Chase Freedom Flex with a sign-up bonus of $200 money again after spending $500 on purchases throughout the first three months of account opening.
