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Chase Freedom 5% Bonus Category Calendar 2023

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Updated on: April 3rd, 2023

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Chase announced its bonus 5% cashback categories for the second quarter of 2023 — Purchases made at Lowe’s and Amazon.com.

We’ll review the bonus cashback categories for the Chase Freedom Flex℠ and the Chase Freedom®, what you need to know to earn 5% cash back and how the Chase 5% cashback calendar compares to Discover’s 5% cashback calendar.

Note, the Chase Freedom® card is no longer open to new applicants as of Sept. 14, 2020.

Chase 5% cashback calendar 2023
Jan – March	April – June	July – Sept	Oct – Dec
Grocery Stores (excluding Walmart), Target, Fitness Clubs and Gym Memberships	Lowe’s and Amazon.com	To be announced	To be announced

Here’s what you need to know:

You need to activate the bonus categories to earn 5% cash back. Chase allows you to add reminders to your calendar. Easily activate via ultimaterewards.com or chase.com/freedom or by calling the number on the back of your card.
To take advantage of the Q2 bonus categories, you must activate the categories by June 14, 2023.
The Q1 2023 categories are active from Jan. 1 through March 31, 2023.
You can earn the 5% cashback rate on the first $1,500 in combined purchases purchases in the bonus categories each quarter (upon activation), then 1% cash back in those categories.

How the 2022 calendar compares to 2023

See how Chase’s 2022 cashback calendar compares to the upcoming 2023 calendar:

Chase 5% cashback calendar 2022
Jan – March	April – June	July – Sept	Oct – Dec
Grocery stores (excludes Target and Walmart)	Amazon.com and select streaming services	Gas stations, car rental agencies, movie theaters and on select live entertainment	Purchases made through PayPal and at Walmart

Chase 5% cashback calendar 2023
Jan – March	April – June	July – Sept	Oct – Dec
Grocery Stores (excluding Walmart), Target, Fitness Clubs and Gym Memberships	Lowe’s and Amazon.com	To be announced	To be announced

Unfortunately, Chase has not yet brought back restaurants as a bonus category, which hasn’t appeared since 2017.

Chase cashback calendar vs. Discover cashback calendar

While Chase reveals its bonus categories quarterly, Discover releases its full cashback calendar for the year. The ability to see all of the bonus categories gives Discover a leg up on Chase, since cardholders are able to plan spending months in advance. With the Discover it^® Cash Back, you earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate.

Here’s how they compare for 2023 so far:

Chase vs. Discover 2023 cashback calendar
	Chase	Discover
Jan – March	Grocery Stores (excluding Walmart®), Target, Fitness Clubs and Gym Memberships	Grocery Stores, Drug Stores and Select Streaming Services
April – June	Lowe’s and Amazon.com	Restaurants and Wholesale Clubs
July – Sept	To be announced	To be announced
Oct – Dec	To be announced	To be announced

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

| Disclosures

Discover it^® Cash Back

(0)

Apply Now

on Discover's secure site

Rates & Fees

Discover it^® Cash Back

(0)

Intro Purchase APR 0% Intro APR for 15 months

Regular Purchase APR 16.74% - 27.74% Variable APR

Annual Fee $0

Rewards Rate 5% cash back on everyday purchases at different places each quarter like

Highlights

INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
Every $1 you earn in cash back is $1 you can redeem.
Get a 0% intro APR for 15 months on purchases. Then 16.74% to 27.74% Standard Variable Purchase APR applies, based on credit worthiness.
No annual fee.
Click through to Discover’s website to see terms and conditions.

Typical Credit Needed

660 720 850

Excellent/Good

Get my free score

Alternative to quarterly bonus category cards

How Does LendingTree Get Paid?

| Disclosures

Bank of America^® Customized Cash Rewards credit card

(0)

Apply Now

on Bank Of America's secure site

Bank of America^® Customized Cash Rewards credit card

(0)

Intro Purchase APR 0% Intro APR for 18 billing cycles for purchases

Regular Purchase APR 17.74% - 27.74% Variable APR

Annual Fee $0

Rewards Rate 3% cash back in the category of your choice, automatic 2% at

Highlights

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
No annual fee and no expiration on rewards.
0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. A 3% fee applies to all balance transfers.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Typical Credit Needed

660 720 850

Excellent/Good

Get my free score

An alternative to Discover and Chase’s quarterly rotating bonus categories is the Bank of America^® Customized Cash Rewards credit card, which provides cardholders a flexible rewards program.

If you’re an existing or new Bank of America^® Customized Cash Rewards credit card holder, you’ll be able to earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.

The 3% cash back categories are gas, online shopping, dining, travel, drug stores, or home improvement and furnishings. Unlike other rotating bonus category cards that preselect bonus categories every quarter, cardholders can choose which one of the six categories they want to earn 3% cash back in every month.

In addition to a cashback program, the Bank of America^® Customized Cash Rewards credit card offers a 0% Intro APR for 18 billing cycles for purchases (after that, a 17.74% - 27.74% Variable APR applies). This allows you to finance new purchases over a year without incurring interest charges.

Just know that the Chase Freedom Flex℠ also offers a 0% Intro APR on Purchases for 15 months (after that, a 19.99% - 28.74% variable APR applies).

There is also a 0% Intro APR on Balance Transfers for 15 months. After, the regular APR will be 19.99% - 28.74% variable. The balance transfer fee is either $5 or 5% of the amount of each transfer, whichever is greater.

The information related to the Chase Freedom® has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.