Chase Freedom quarterly classes: 2026 calendar

You probably have the Chase Freedom Flex® (see charges and costs) or legacy Chase Freedom* in your pockets, your Q1 rotating classes are actually dwell.

Via March 31, you will earn 5% money again (or 5 factors per greenback) on eating (elevated 7% money again for Freedom Flex cardholders) and with the American Coronary heart Affiliation and Norwegian Cruise Line. After activating, you’ll earn at these charges on as much as $1,500 in mixed spending throughout these three classes.

Here is what you might want to learn about this quarter’s classes.

*This card is not obtainable to new candidates. The knowledge for the Chase Freedom has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

Chase Freedom Q1 2026 classes

Via March 31, Freedom and Freedom Flex cardholders can earn 5% money again (or 5 factors per greenback) on as much as $1,500 in mixed purchases throughout these Q1 bonus classes (then 1% again):

• Eating (elevated 7% money again for Freedom Flex cardholders)
• Norwegian Cruise Line
• American Coronary heart Affiliation

A Chase rep confirmed that the 5% money again earned on eating in Q1 stacks with the bonus money again the Freedom Flex already earns on this class. So, you’ll earn a complete of seven% money again (or 7 factors per greenback spent) on eating in Q1 with this card.

Eating out (or in) is a standard expense, making this a robust alternative to rack up rewards. You can max out your earnings in Q1 by spending $500 per 30 days on eating with this card. Simply needless to say your card costs overseas transaction charges, so it is best used for home eating purchases solely. Eating was final featured in Q2 2024.

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Norwegian Cruise Line appeared in the identical quarter final yr. And choose charities has been provided as a class prior to now, however that is the primary time the American Coronary heart Affiliation is being featured by itself.

Activate this quarter’s classes now to unlock their bonus-earning potential.

It’s easy to finish this course of by your Chase account; simply present your final title, the final 4 digits of your card and your ZIP code.

Analyzing the Q1 bonus classes

The primary quarter is often a time of private progress and self-care for a lot of. In case your early 2026 plans embrace treating your self to a pleasant dinner, reserving a cruise or donating to trigger, it is good to know you’ll be able to earn bonus rewards in your purchases.

Listed below are the small print:

• Eating: Just about everybody eats out a minimum of just a few occasions every quarter, so this class ought to be straightforward to benefit from. You will earn bonus rewards on takeout and supply, too, so that you needn’t courageous the chilly and snow to get your additional money again or factors.
• Norwegian Cruise Line: In case your 2026 journey plans embrace a cruise, contemplate reserving by Norwegian Cruise Line to earn a heap of money again (or transferable factors). Simply maintain that $1,500 quarterly spending cap in thoughts, in case the excursions you are surpass that quantity.
• American Coronary heart Affiliation: Coronary heart circumstances are a serious impediment for thousands and thousands. Whether or not you are a brand new donor or a recurring one, your whole American Coronary heart Affiliation donations will earn bonus money again.

Keep in mind that Chase limits the 5% money again (or 5 factors per greenback) you’ll be able to earn to the primary $1,500 spent in mixed bonus classes every quarter you activate the bonus. After you attain the utmost, you’ll earn 1% again (or 1 level per greenback spent) on these purchases.

Chase Freedom rotating classes historical past

Chase Freedom bonus classes FAQs

How do rotating classes work?

Every quarter, Chase pronounces a gaggle of bonus classes that can earn 5% money again (or 5 factors per greenback) all through the upcoming three-month interval (on as much as $1,500 in mixed spending every quarter).

Typically, these classes are introduced midway by the month earlier than the brand new quarter begins to offer cardmembers time to activate new classes beforehand. Nonetheless, you’ll be able to activate your classes till halfway by the final month of the quarter.

The classes are inclined to repeat periodically. As an example, grocery shops, eating places and fuel stations are all widespread classes you’ll discover ceaselessly pop up on the bonus calendar. So, relying on the classes and whether or not you’ll be able to maximize them, these two playing cards can supply fairly a pleasant chunk of money again or bonus factors over the yr.

How a lot money again can I earn every quarter?

Chase limits the 5% money again (or 5 factors per greenback) to the primary $1,500 spent in mixed bonus classes every quarter you activate the bonus.

Whereas that will not sound like rather a lot, that money again provides up over time. Maximizing the cash-back classes every quarter, you’ll earn $75 in money again quarterly and as much as $300 per yr. For a no-annual-fee bank card, that’s loads of worth.

Alternatively, suppose you’ve a card that earns transferable Chase Final Rewards factors, just like the Chase Sapphire Most well-liked® Card (see charges and costs). In that case, you’ll be able to mix the rewards out of your Chase Freedom or Freedom Flex card with these you earn out of your extra premium Final Rewards-earning card. By doing this, your rewards turn into absolutely transferable.

For those who observe that technique, your $300 in bonus money again can be price 30,000 Final Rewards factors. TPG’s December 2025 valuations peg Chase factors at 2.05 cents apiece, making the 30,000 factors you’ll be able to earn in a yr price $615.

How do I activate my 5% classes every quarter?

You may head to Chase’s web site to activate your 5% money again (or 5 factors per greenback) classes for this quarter. You can even register by the Chase cell app.

Right here’s find out how to register:

1. Head to the Chase bonus activation web page, or log into your Chase account.

2. Enter your final title, the final 4 digits of your card quantity and your billing ZIP code. For those who don’t have your card available, log in to your Chase account to retrieve these digits.

3. Click on “Activate your 5%” to register.

4. You probably have a number of Chase Freedom playing cards, make certain to register each.

5. Save a screenshot of your activation in case of any points later, although you also needs to obtain a “You’re Activated!” affirmation electronic mail.

Can I’ve each the Chase Freedom and the Chase Freedom Flex to double my incomes potential?

Sure, you’ll be able to have each playing cards. So, if you have already got the Chase Freedom and wish to add the Chase Freedom Flex to your pockets, you’re free to take action.

Keep in mind that the unique Freedom card is not open to new candidates. For those who’d moderately solely have one, although, the Freedom Flex is out there as a product change.

After all, you’ll additionally wish to make sure you’re eligible for a brand new Chase card.

How do I maximize my Freedom and Freedom Flex playing cards?

A very powerful factor is to activate your card to earn 5% money again (or 5 factors per greenback) every quarter within the particular classes after which use your card for purchases in these classes.

You may arrange a recurring reminder in your calendar or join the TPG publication. (We ship out a reminder when it’s time to activate each quarter, plus suggestions and methods for find out how to maximize your card technique and rating some glorious award redemptions.)

Along with the rotating bonus classes, the Freedom Flex accrues 5% money again on all different journey booked by Chase Journey℠, 3% money again on drugstore purchases, 3% money again on eating (together with eligible supply providers) and 1% limitless money again on all different purchases.

Higher but, when paired with a Chase bank card that earns absolutely transferable Final Rewards factors, such because the Chase Sapphire Reserve® (see charges and costs) or the Chase Sapphire Most well-liked, the Chase Freedom Flex’s 5% money again successfully turns into 5 Final Rewards factors per greenback. You may study all about this in our information detailing the “Chase Trifecta”.

Backside line

For those who’re a Chase Freedom or Freedom Flex cardholder, you’ll be able to earn 5% money again (or 5 factors per greenback spent) on eating (elevated 7% money again for Freedom Flex cardholders) and with the American Coronary heart Affiliation and Norwegian Cruise Line by March 31.

Activate these classes now so you do not miss out on any bonus rewards. And keep in mind that Chase limits your quarterly bonus class earnings to the primary $1,500 of mixed spending every quarter.

To study extra, learn our full overview of the Chase Freedom Flex.

Apply right here: Chase Freedom Flex