Chase Freedom and Freedom Flex, Discover It, US Bank Cash+ and Citi Dividend cards which have rotating quarterly categories that earn 5% back now have new categories for Q4 2025.
Here’s the details of each card’s categories from October 1 to December 31, 2025, along with links to activate the bonuses.
Chase Freedom & Freedom Flex
Bonus Categories
- Old Navy
- Chase Travel℠
- Department Stores
- PayPal (December 1-31 only)
Bonus Amount / Limit
- 5% cashback on up to $1,500 spend in combined purchases of this quarter’s categories
Discover
Bonus Categories
- Amazon.com
- Drug Stores
Bonus Amount / Limit
- 5% cashback on up to $1,500 in purchases
Citi Dividend
Bonus Categories
- Citi Travel
- Restaurants
Bonus Amount / Limit
- 5% cashback on up to $6,000 in purchases per year
US Bank Cash+
Bonus Categories
Choose two of the following:
- Home Utilities
- Electronics Stores
- Sporting Goods Stores
- Ground Transportation
- TV, Internet & Streaming (this replaced Car Rentals)
- Department Stores
- Select Clothing Stores
- Gyms/Fitness Centers
- Furniture Stores
- Cell Phones
- Fast Food
- Movie Theaters
Bonus Amount / Limit
- 5% cashback on your first $2,000 in combined net purchases in your chosen 5% categories
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For those that use Chase Travel 9% back in points is pretty darn good!
Great idea! Thanx for pointing that out
One of the more meek Chase Freedom Q4 offerings. In the past Q4 has often been PayPal for the whole quarter, Walmart, or warehouse stores (Costco/Sam’s Club).
Thereby skipping cash back for Black Friday sales… disappointing “bonus” categories this year.
What is an example of Department Store for Chase Freedom Cards
https://www.chase.com/personal/credit-cards/freedom/freedomfive-learnmore#merchant
Macy’s, Bloomingdales, Saks Fifth Avenue, Neiman Marcus