The new set of 5% categories for the 4th quarter are now live and open for registration for 5% bonus categories for the Chase Freedom Flex and original Chase Freedom credit card. Although the Chase Freedom and the Chase Freedom Flex are technically cash back cards, if you have a Chase Sapphire Preferred, Chase Sapphire Reserve, Ink Business Preferred or Ink Plus card you can transfer points from your Freedom account into one of those accounts and then can transfer those points to various Chase travel partners.

The Chase Freedom 5% categories for 2022 Q4 quarter (October 1, 2022 – December 31, 2022) are Walmart and PayPal.

Chase provides clarification on what is included and excluded in each category:
•  Walmart purchases include: Walmart Discount Stores, Walmart SuperCenters, Walmart Neighborhood Markets, www.walmart.com, Walmart branded gas stations operated by Walmart & Walmart Pay.
•  Walmart exclusions: Non-Walmart merchants operating within or on Walmart premises including merchants that sell fast food, beauty services, and gas stations that are not Walmart branded; Walmart affiliated merchants including Sam’s Club; Local delivery merchants such as Shipt.
•  PayPal purchases include: Transactions made using your Chase Freedom card with PayPal for purchases. Please note, Friends and Family or Person-to-Person (P2P) transactions made with your Chase Freedom card on PayPal may be prohibited or not eligible for 5%.
•  PayPal exclusions: Xoom transfer payments.

The 5% only applies to the first $1,500 spent on combined purchases each quarter. This means if you spend $1,500 on a combination of Walmart and PayPal this quarter you will receive a total of 7,500 points (1,500 plus a bonus of 6,000 points).

Don’t Forget to Activate

Please note, that in order to earn the 5% you must activate the offer each quarter (by text, email or other methods). If you have a Chase Freedom and have signed up for email reminders you should have already received an email asking you to activate this quarter’s categories. If you have not yet activated the 5% for this quarter, you can register now or any time during the registration period and earn the full 5% for the entire quarter retroactively. Registration for the 4th quarter of 2022 ends on December 14, 2022.