Chase Freedom® Celebrates 15 Years of Rotating Cash Back Categories, Kicking Off 2025 With: Norwegian Cruise Lines, Grocery Stores, Fitness Clubs and Self-Care Services

Rhea-AI Summary

Chase Freedom is celebrating its 15th anniversary of rotating cash back categories in 2025, launching Q1 with exciting rewards across four categories. From January 1 through March 31, 2025, Freedom and Freedom Flex cardmembers can earn 5% cash back on up to $1,500 in combined purchases at:

• Norwegian Cruise Lines (direct bookings only)
• Grocery Stores
• Fitness Clubs
• Hair, Nails and Spa Services

Chase Freedom Flex cardmembers continue to earn additional rewards: 5% on Chase Travel bookings, 3% on dining and drugstore purchases, and 1% on all other purchases. The celebration will continue throughout the year with special categories and perks for cardmembers.

All year, Freedom and Freedom Flex cardmembers can celebrate by earning 5% cash back with exciting rotating categories

WILMINGTON, Del.--(BUSINESS WIRE)-- Move over New Year’s resolutions, Chase Freedom wants cardmembers to treat themselves not just this quarter, but all year long. Today, Chase Freedom® announced its latest Q1 categories, offering cardmembers the opportunity to celebrate 15 incredible years of rotating cash back categories. It’s a yearlong birthday celebration cardmembers won’t want to miss.

To kick off the birthday festivities for this quarter, cardmembers can take advantage of 5% cash back across four categories, including Norwegian Cruise Lines, Grocery Stores, Fitness Clubs and Hair, Nails and Spa Services.

“2025 marks 15 years of Chase Freedom’s quarterly rotating categories and helping our cardmembers earn more on their everyday purchases,” said Brent Reinhard, General Manager of Chase Freedom. “We’re excited to celebrate this milestone, and even more thrilled to continue rewarding our cardmembers every quarter with bonus and surprising categories so they can get the most out of their everyday spending.”

Starting January 1 through March 31, 2025, Chase Freedom and Freedom Flex cardmembers can earn 5% cash back on up to $1,500 in combined purchases on the following:

• Norwegian Cruise Lines¹: A birthday calls for a special getaway. Cardmembers can set sail and watch rewards grow with every wave. From breathtaking views to gourmet dining, Norwegian Cruise Lines offers the ultimate vacation experience with 5% cash back when booking.
• Grocery Stores²: Did someone say birthday cake? Cardmembers can stock up on snacks and delicious treats with 5% cash back on grocery stores.
• Fitness Clubs³: Cheers to a year of healthy living! Sweat and stack up on rewards with a membership to a favorite fitness club and enjoy 5% cash back.
• Hair, Nails and Spa Services⁴: Birthdays call for a spa day! Cardmembers can treat themselves to some much-needed pampering. From a relaxing massage to a stylish haircut, indulge in self-care and emerge feeling refreshed and rejuvenated with 5% cash back.

Freedom is keeping the celebration going, as cardmembers can expect a year full of surprises in store, including special categories and perks.

Chase Freedom Flex cardmembers also continue to earn:

• 5% cash back on travel booked through Chase Travel^SM
• 3% cash back on dining at restaurants (including takeout and eligible delivery services)
• 3% cash back on drugstore purchases
• 1% cash back on all other purchases

For more information on participating merchants and how to activate Freedom and Freedom Flex’s quarter category offers, visit Chase.com/Freedom or Chase.com/FreedomFlex beginning today.

About Chase

Chase is the U.S. consumer and commercial banking business of JPMorgan Chase & Co. (NYSE: JPM), a leading financial services firm based in the United States of America with assets of $4.2 trillion and operations worldwide. Chase serves 84 million consumers and 6.9 million small businesses, with a broad range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. Customers can choose how and where they want to bank: More than 4,800 branches in 48 states and the District of Columbia, more than 15,000 ATMs, mobile, online and by phone. For more information, go to chase.com.

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¹This category includes cruise fare purchased directly with Norwegian Cruise Line.

Purchases through third party vendors or travel agencies, such as sightseeing activities, excursions, and tourist attractions, are not included.

²Merchants in this category include supermarkets, merchants that offer a full-service grocery line of merchandise including a deli and bakery as well as smaller grocery stores. Delivery service merchants, such as Instacart, will be included if they classify as a grocery store merchant.

Some merchants that sell grocery items are not included in this category; for example, larger stores that sell a wide variety of goods and groceries, such as warehouse clubs, discount stores and some smaller merchants such as drugstores, and merchants that specialize in only a few grocery items. Purchases made at gas stations from merchants who also operate grocery stores are not included in this category.

³Merchants in this category include health clubs, exercise, or athletic facilities requiring membership and offering access to services related to physical fitness, such as fitness clubs, fitness centers, fitness studios, gyms, aerobics, cardio fitness and other services such as yoga and cross fit training in physical merchant locations.

Merchants that specialize in offering virtual and other at-home fitness services, personalized or therapeutic services such as massage therapy, dietary and weight management counseling and personal training, are not included in this category. In addition, certain lodging, hotel, motel, resort and central reservation services offering access to third party facilities that include fitness clubs or gyms are not included in this category unless they classify as a fitness club or gym membership merchant. Purchases of fitness or athletic equipment or apparel, other sporting goods, dietary food, health food or similar supplements, will not qualify in this category.

⁴This category includes hair care, nail care and spa services, such as massages, spa treatments, manicures, tanning, and barber and salon services, purchased at merchant locations that specialize in providing these services.

Services provided by medical professionals or in medical facilities will not qualify. Purchases of hair care, nail care and spa services at merchants that classify their location in another category, for example spa services purchased in a hotel or airport, will not be included unless the merchant classifies the transactions in this category. Purchases of related products and services, for example hair and skincare products purchased at a salon or an overnight stay at a spa, will also not be included unless the merchant classifies the transactions in this category.

View source version on businesswire.com: https://www.businesswire.com/news/home/20241216491212/en/

Media:

Colton Moore

colton.moore@chase.com

Source: Chase Freedom

FAQ

What are Chase Freedom's Q1 2025 5% cash back categories?

Chase Freedom's Q1 2025 categories offering 5% cash back include Norwegian Cruise Lines, Grocery Stores, Fitness Clubs, and Hair, Nails and Spa Services, with earnings capped at $1,500 in combined purchases.

How much can cardmembers earn in Chase Freedom's Q1 2025 categories?

Cardmembers can earn 5% cash back on up to $1,500 in combined purchases across all Q1 categories, which equals a maximum of $75 in cash back rewards.

Does the Norwegian Cruise Line category include third-party bookings?

No, the 5% cash back only applies to cruise fare purchased directly with Norwegian Cruise Line. Purchases through third-party vendors, travel agencies, excursions, and tourist attractions are not included.

What types of fitness facilities qualify for the Chase Freedom Q1 2025 rewards?

Qualifying fitness facilities include health clubs, exercise facilities, fitness centers, gyms, and studios requiring membership. Virtual fitness services, personal training, and equipment purchases do not qualify.

What grocery store purchases are eligible for Chase Freedom's Q1 2025 rewards?

Eligible purchases include those at supermarkets, full-service grocery stores with delis and bakeries, smaller grocery stores, and grocery delivery services like Instacart. Warehouse clubs, discount stores, and drugstores are excluded.