Chase Freedom 5% Calendar 2025: Maximize Your Cash Back Earnings

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Chase Freedom 5% Calendar 2025: Maximize Your Cash Back Earnings

The Chase Freedom credit card is renowned for its rotating 5% cash back categories, offering cardholders the opportunity to earn substantial rewards on everyday purchases. To optimize your earnings, it’s crucial to stay up-to-date with the annual calendar. This article provides a comprehensive guide to the Chase Freedom 5% Calendar 2025, empowering you to plan your spending and maximize your cash back rewards.

Understanding the Chase Freedom 5% Calendar

The Chase Freedom 5% Calendar consists of four rotating categories each quarter. These categories typically align with popular spending habits, such as dining, travel, gas stations, and department stores. By using your Chase Freedom card to make purchases within these categories, you’ll earn an impressive 5% cash back on up to $1,500 in combined purchases per quarter.

2025 Chase Freedom 5% Calendar

Quarter 1 (January – March)

• Grocery stores
• Select streaming services
• Live entertainment (including movie theaters and concerts)

Quarter 2 (April – June)

• Gas stations
• Home improvement stores
• Select streaming services

Quarter 3 (July – September)

• Restaurants
• Movie theaters
• Select streaming services

Quarter 4 (October – December)

• Department stores
• Select streaming services
• Wholesale clubs

Additional Benefits of the Chase Freedom Card

• 0% introductory APR on balance transfers: Transfer your high-interest balances to the Chase Freedom card and enjoy an introductory 0% APR for 15 months (after which, the ongoing APR will apply).
• No annual fee: Unlike many other rewards cards, the Chase Freedom card doesn’t charge an annual fee.
• Flexible redemption options: Redeem your cash back rewards for cash, gift cards, travel, or merchandise.
• Earn Ultimate Rewards points: Every dollar spent on the Chase Freedom card earns 1 Ultimate Rewards point, which can be transferred to other Chase cards like the Chase Sapphire Preferred or Chase Sapphire Reserve for even greater redemption value.

Tips for Maximizing Your Cash Back Earnings

• Plan your spending: Review the Chase Freedom 5% Calendar in advance and plan your purchases accordingly.
• Use the card for recurring expenses: Set up automatic payments for eligible recurring expenses like groceries, streaming services, and gas to maximize your cash back earnings.
• Consider other Chase cards: If you spend heavily in certain categories, consider pairing the Chase Freedom card with other Chase cards that offer higher earning rates in those areas, such as the Chase Sapphire Preferred for dining and travel.
• Activate your categories: Remember to activate each quarter’s 5% categories on the Chase website or mobile app to ensure you’re earning the maximum cash back.

Conclusion

The Chase Freedom 5% Calendar 2025 provides an excellent opportunity to earn substantial cash back rewards on everyday purchases. By understanding the rotating categories and following the tips outlined in this article, you can maximize your earnings and make the most of your Chase Freedom card. Stay informed, plan your spending wisely, and enjoy the benefits of earning 5% cash back on your favorite purchases.

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