Now live: Chase Freedom cardholders can earn 5% back on purchases through PayPal and Walmart this quarter

Editor’s Note: This is The Points Guy’s main guide to the latest Chase Freedom and Chase Freedom Flex quarterly bonus categories.

Rejoice for holiday shoppers – Chase Freedom has returned PayPal and Walmart as eligible sellers for its fourth-quarter bonus categories for the third year in a row.

Chasing Freedom (no longer available to new subscribers) and Chase Freedom Flex℠ cardmembers can now activate 5% cashback (or 5 points per dollar) on the PayPal and Walmart Q4 bonus catalog. The Q4 earning window is currently live and runs through December 31, 2022.

Sign up for our daily newsletter

Upon activation, cardholders will be able to earn 5% back (or 5 points for every dollar spent) on up to $1,500 spent in these categories during the qualifying quarter and 1% (or 1 points for every dollar spent) then.

Want to make sure you’re maximizing every purchase like a point pro? Download Free TPG app to start spending like a pro.

With the prices of everything from food to merchandise continuing to rise, earning cashback on everyday purchases from Walmart and through PayPal is a great way to stretch your dollars in the time spent. high spending during the year. You can complete your purchases with PayPal at a variety of merchants ranging from Apple and Delta Air Lines to Home Depot and Zara.

Here’s how it all works.

Chasing Freedom and Freedom Flex Q4 2022 categories

From October 1 to December 31, 2022, Chasing Freedom and Chase Freedom Flex Card members can get 5% cash back (or 5 points per dollar) to spend in the following categories:

As noted above, you must activate your card to unlock bonus earning potential in these categories.


Thankfully, it’s simple to complete this process online through your Chase account – with your last name, the last four digits of your card and your ZIP code. Registration is now open.

Analysis of the 4th quarter bonus categories

Whether booking a trip to buy groceries, everyone feels inflationary This year. As we look forward to being able to spend more this holiday season, the PayPal and Walmart bonus portfolios are sure to help us make the most of our increased spending.

Here are the bonus details:

  • PayPal: Cardholders automatically earn 5% cashback (or 5 points per dollar) on eligible purchases made with PayPal at tens of millions of online businesses.
  • Walmart: Gamblers automatically get 5% cashback (or 5 points per dollar) when shopping for gifts, groceries, and more when shopping at Walmart or on

Note that purchases made with PayPal at Walmart will only earn you a total of 5% cash back (or 5 points per dollar). Be sure to review all terms and exclusions to make sure you understand if your purchase qualifies for a reward.

FAQ about Chase Freedom and Chase Freedom Flex bonus categories

How do rotating categories work?

Each quarter, Chase announces a group of bonus categories that will earn 5% cash back (or 5 points per dollar) over the next three-month period. Generally, these categories are published half a month before the new quarter begins to give cardholders time to activate new categories before that. However, you can activate your categories until the middle of the last month of the quarter.

Categories tend to repeat periodically – for example: grocery, restaurant and the gas station These are all popular categories that you’ll notice frequently appearing on the refund calendar. So depending on the categories and whether you can max them out, these two cards could offer a pretty decent amount of cashback or bonus points over the course of a year.

Related: See our full Chase Freedom Flex card review

How much cash can I earn each quarter?

Chase limits 5% back (or 5 points per dollar) on the first $1,500 spent in bonus categories combined each quarter that you activate the bonus.

While that may not sound like much, that cashback will add up over time. If you maximize the cashback categories every quarter, you’ll earn $75 in cash quarterly and up to $300 per year. For a Free credit card every yearthat’s a lot of value.

Plus, since the cashback you earn is in the form of Ultimate Rewards points, you’re looking for the potential to go up to 30,000 Ultimate Rewards earned each year. If you also have a premium product, such as Chase Sapphire Preferred Cardyou can Combine Ultimate Rewards points you earn with your Chase Freedom or Freedom Flex card with friends you earn on your higher Ultimate Rewards card and they become fully transferable.

In that case, TPG . Value Pursue points at 2 cents each, so the 30,000 you could earn in a year would be worth more than $600.

How to activate 5% portfolio every quarter?

You may come Chase’s site to activate your 5% cashback (or 5 points per dollar) for this quarter. You can also sign up through your Chase mobile app, creating one less credit card site you’ll need to visit often this year.

Here’s how to sign up:

  1. Go Chase the reward activation page or sign in to your Chase account.
  2. Enter your last name, the last four digits of your card number, and your payment ZIP code. If you don’t have a card on hand, log into your Chase account to get these digits.
  3. Click “Activate Your 5%” to sign up.
  4. If you have more than one Chase Freedom card, be sure to sign up for each one.
  5. Save a screenshot of your activation, in case there are any problems later – though you’ll also get a “You’ve been activated!” message! Confirmation email.

Can I have both Chase Freedom and Chase Freedom Flex to double my earning?

Yes, you can have both cards. So if you already have the Freedom to Pursue and want more Chase Freedom Flex into your wallet, you are free to do so. Just note that the original Freedom card is no longer open to new subscribers.

But if you want only one, Freedom Flex is available as a product variation.

And of course, you’ll also want to make sure you eligible for a new Chase card.

How to maximize Freedom and Freedom Flex cards?

The most important thing is to make sure you activate your card to earn 5% cash (or 5 points per dollar) every quarter in specific categories and then actually use your card to make purchases in those directories.

You can set up recurring reminders in your calendar, or you can subscribe TPG . Newsletter (we send reminders when it’s time to activate quarterly – plus tips and tricks for Maximize your card strategy and write a number redeem excellent award).

Better yet, pair with a Chase credit card to earn fully transferable Ultimate Rewards points like Chase Sapphire Reserve or Chase Sapphire Preferred Card5% Chase Freedom Flex cashback becomes 5 Ultimate Rewards points for every dollar, as you can learn all about Our detailed guide to “Chase Trifecta. “

In that case, you will be able to transfer points earned with Freedom Flex to Ultimate Rewards points and to travel partners like Southwest, Hyatt and United.

What are the popular bonus categories for Freedom and Freedom Flex?

Of course, you’ll also want to make sure you’ll be able to maximize other bonus categories throughout the year. For reference, here are previous Chase Freedom quarterly categories from 2012 and up, so you can decide if the general categories are a good fit for your spending pattern:

Year, quarter Bonus categories
2022 – Q4 PayPal and Walmart.
2022 – Quarter 3 Gas stations, rental cars, movie theaters and select live entertainment.
2022 – 2nd quarter and several streaming services.
2022 – Q1 eBay and grocery stores.
2021 – Q4 PayPal and Walmart.
2021 – Q3 Grocery stores and some streaming services.
2021 – Q2 Gas stations and home repair shops.
2021 – Q1 Wholesale club, select streaming services and internet, cable and phone services.
2020 – Q4 PayPal and Walmart.
2020 – Q3 and Whole Foods Market.
2020 – 2nd quarter Grocery stores, gym memberships and fitness clubs, and select streaming services.
2020 – Q1 Petrol station; internet, cable and telephone services; and select streaming services.
2019 – Q4 Chase Pay, PayPal and department stores.
2019 – Q3 Gas stations and online services.
2019 – Q2 Grocery and home improvement.
2019 – Q1 Gas stations, pharmacies and tolls.
2018 – Q4 Wholesale Clubs, Department Stores and Chase Pay.
2018 – Quarter 3 Lyft, Walgreens and gas stations.
2018 – 2nd quarter Grocery, PayPal and Chase Pay.
2018 – Q1 Mobile wallet, gas station and internet, cable and phone service.
2017 – Q4 Walmart and department stores.
2017 – Quarter 3 Restaurants and cinemas.
2017 – Q2 Grocery stores and drug stores.
2017 – Q1 Gas stations and local transportation.
2016 – Q4 Wholesale clubs, pharmacies and department stores.
2016 – Q3 Restaurants and wholesale clubs.
2016 – Q2 Grocery stores and wholesale clubs.
2016 – Q1 Gas stations and local transportation.
2015 – Q4,, and
2015 – Q3 Gas stations and Kohl’s.
2015 – 2nd quarter Restaurants, Bed Bath & Beyond, H&M and
2015 – Q1 Grocery store, movie theater and Starbucks.
2014 – Q4, and department stores.
2014 – Quarter 3 Gas stations and Kohl’s.
2014 – Q2 Restaurant and Lowe’s.
2014 – Q1 Gas stations, movie theaters and Starbucks.
2013 – Q4 Department stores and
2012 – Quarter 3 Gas stations, amusement parks and Kohl’s.
2012 – Q2 Restaurants and cinemas.
2012 – Q1 Gas station, pharmacy and Starbucks.

Key point

Activate your Q4 bonus categories on Chase Freedom and Chase Freedom Flex for 2022 and start earning 5% back on your Walmart and PayPal purchases today.

In addition to the rotating 5% cashback bonus categories, Freedom Flex accumulates 5% cashback on pre-booked travel Chase the ultimate reward3% cashback at pharmacies, 3% cashback on purchases Eating (including eligible delivery services) and unlimited 1% cashback on all other purchases.

Official app link: Chase Freedom Flex with a signup bonus of $200 cash back after spending $500 on purchases within the first three months of account opening.

Additional reporting by Emily Thompson, Stella Shon and Chris Dong.


News7g: Update the world's latest breaking news online of the day, breaking news, politics, society today, international mainstream news .Updated news 24/7: Entertainment, the World everyday world. Hot news, images, video clips that are updated quickly and reliably

Related Articles

Back to top button