Maximize Your Rewards: Chase 5% Cash Back Calendar 2025

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Maximize Your Rewards: Chase 5% Cash Back Calendar 2025

Introduction

Chase’s 5% cash back calendar is a valuable tool for maximizing your rewards earnings on everyday purchases. By planning your spending around these quarterly categories, you can earn up to an additional $600 per year in cash back. This comprehensive guide will provide you with all the information you need to know about the Chase 5% cash back calendar 2025, including eligible categories, earning limits, and strategies for optimizing your rewards.

Quarterly Categories

The Chase 5% cash back calendar 2025 features four quarterly categories where you can earn 5% back on up to $1,500 in purchases per category. The categories for each quarter are as follows:

• Q1 (January – March): Grocery Stores
• Q2 (April – June): Gas Stations
• Q3 (July – September): Restaurants
• Q4 (October – December): Travel

Earning Limits

The Chase 5% cash back calendar has an earning limit of $1,500 per category per quarter. This means that you can earn up to $600 in total cash back per year through these quarterly bonuses. Once you reach the earning limit in a category, you will continue to earn 1% cash back on eligible purchases.

Eligible Purchases

To earn 5% cash back, your purchases must be made in the designated quarterly categories. Here is a breakdown of eligible purchases for each category:

• Grocery Stores: Includes supermarkets, grocery stores, and warehouse clubs. Excludes convenience stores, gas stations, and restaurants.
• Gas Stations: Includes gas stations and fuel pumps. Excludes convenience stores and car washes.
• Restaurants: Includes dine-in and takeout restaurants, as well as bars and coffee shops. Excludes grocery stores, gas stations, and fast food restaurants.
• Travel: Includes airfare, hotels, cruises, rental cars, and other travel expenses. Excludes travel agencies and online travel booking sites.

Strategies for Maximizing Rewards

To maximize your rewards earnings, consider the following strategies:

• Plan Your Purchases: Review the quarterly categories and plan your spending accordingly. Stock up on groceries in Q1, fill up your gas tank in Q2, dine out in Q3, and book your travels in Q4.
• Use Multiple Cards: If you have multiple Chase credit cards, you can earn 5% cash back in different categories on each card. This allows you to maximize your rewards potential.
• Take Advantage of Rotating Categories: Chase offers a rotating 5% cash back category in addition to the quarterly categories. This category changes every three months, so be sure to check the Chase website or mobile app for the latest updates.
• Use a Cash Back Credit Card: Chase offers several cash back credit cards that allow you to earn 5% cash back on eligible purchases in different categories. Consider applying for one of these cards to complement the 5% cash back calendar.

Conclusion

The Chase 5% cash back calendar 2025 is a powerful tool for maximizing your rewards earnings on everyday purchases. By understanding the eligible categories, earning limits, and strategies for optimizing your rewards, you can earn up to an additional $600 per year in cash back. Plan your spending wisely, take advantage of multiple cards, and stay informed about rotating categories to make the most of this valuable program.

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