Chase Freedom Q4: activate 5% back on groceries and dining (Oct 1 – Dec 31), up to $1,500 in spend
Chase Freedom's Q4 5% categories are groceries and dining. Activate once and it counts back to Oct 1.
Chase Freedom and Freedom Flex cardholders: this quarter's 5% categories are grocery stores (Walmart and Target excluded), dining, and American Red Cross donations, on up to $1,500 in combined purchases from Oct 1 through Dec 31. That's up to $75 back, or 7,500 Ultimate Rewards points if you pair it with a Sapphire. Activation takes 10 seconds and it's retroactive to Oct 1.
- Activate in the Chase app or at chase.com/freedomfive — it covers purchases back to Oct 1.
- Buy grocery-store gift cards for other stores with the Freedom to stretch the 5% further (where your store sells them).
- Move the points to a Sapphire Preferred or Reserve and they're worth more for travel.
Verified: Seen on Chase's newsroom page (media.chase.com), Oct 9, 2026: 5% at grocery stores (excluding Walmart and Target), dining and American Red Cross donations, Oct 1 – Dec 31, 2026, on up to $1,500 in combined purchases; activate by Dec 14, 2026. Source: chase.com. Prices change; the store's page is final.
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