Chase Freedom 5% Categories for Q1 2025

Dec 15, 2024

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Chase Freedom 5% Categories for Q1 2025

Chase Freedom and Freedom Flex are great products to have in your wallet. They have no annual fee and earn Ultimate Rewards points when you have another Chase premium card. They also have 5% quarterly categories, which can be a good way to rack up rewards.

Now the Chase Freedom bonus categories have been revealed for Q1 2025. Let’s check out the full details.

Chase Freedom Cards

The Chase Freedom and Freedom Flex cards earn 1% on all purchases but also 5% on rotating quarterly bonus categories, up to a combined $1,500 in purchases. So you can earn up to $75 every quarter, if you maximize the eligible categories. You can even have more than one Freedom card. But it gets much better than that, since the cashback can be used as Ultimate Rewards points.

To do that, you need to have one of the premium or business cards from Chase. That’s Chase Sapphire Preferred, Chase Sapphire Reserve, Ink Business Preferred or Ink Business Plus. Then the points earned with your Chase Freedom cards can be converted into Ultimate Rewards points and transferred to travel partners.

Chase Freedom 5% Categories

The categories for the first quarter of 2025 have now been revealed. The new 5% categories include:

Norwegian Cruise Lines
Grocery Stores (excluding Walmart and Target)
Fitness Clubs & Gym Memberships
Hair, Nails & Spa Services

You can earn 5% cash back on up to $1,500 in combined purchases in these categories from January 1 to March 31, 2024. You can activate the new categories here, starting on December 15, 2024. Must activate by March 14, 2025.

Guru’s Wrap-Up

Grocery Stores are always a popular category, so that should be good news for the upcoming quarter. The other categories are not as exciting, but they can still be useful.

Don’t forget to maximize this quarter’s categories as well. You have until the end of the day to activate these categories and until end of December to spend $1,500 at: