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Chase Opens Q4 2025 Freedom 5% Categories: Old Navy, Department Stores, Chase Travel; PayPal in December

Activate by Dec. 14 to earn up to $75 on Q4 purchases, with Sapphire cards allowing conversion to Ultimate Rewards points.

Overview

  • Registration is live for Chase Freedom and Freedom Flex via the issuer’s activation page or mobile app.
  • From Oct. 1 to Dec. 31, eligible purchases at Old Navy, department stores, and through Chase Travel earn 5%, with PayPal eligible Dec. 1–31.
  • The 5% rate applies to a combined $1,500 in quarterly spend before reverting to the cards’ standard earning.
  • Enroll by Dec. 14 to have qualifying purchases since Oct. 1 count retroactively toward the bonus.
  • Freedom cash back can be moved to Ultimate Rewards if you also hold a Sapphire card, and Freedom Flex totals 9% back on travel booked through Chase.