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Chase Cash Back Calendar 2022: Q4 Categories Include Walmart and PayPal

Chase Cash Back Calendar 2022: Q4 Categories Include Walmart and PayPal

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Chase has announced its cashback categories for Q4 2022. From October 1 through December 31, Chase Freedom Flex℠ cardholders can earn 5% cash back at Walmart and PayPal, on up to $1,500 in combined purchases, once they activate the category.

Cardholders must activate the Chase cash back calendar Q4 categories by December 14.

In this guide, we'll go over the new earning categories in greater detail. We'll also analyze Chase's past categories to see which types of merchants may show up in the future.

Chase Freedom Flex℠ categories 2022 calendar

Chase Bank maintains a cashback calendar for Chase Freedom Flex℠ cardholders to inform users of when and where they can earn 5% cash back using their card in each quarter. You can earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

The list of merchant categories in the Chase Freedom cash back calendar changes every quarter, and Q4 features a diverse selection of merchants. We kept the 2021 calendar up to help give you an idea of which merchants to expect for the upcoming quarters in 2022.

2022 Chase cash back calendar

January-March
April-June
July-September
October-December
Grocery stores (excluding Walmart and Target) and eBayAmazon.com and select streaming servicesGas stations, car rental agencies, movie theaters and select live entertainmentWalmart and PayPal

2021 Chase rewards calendar

January-March
April-June
July-September
October-December
Wholesale clubs, internet, cable, phone services and select streaming servicesGas stations and home improvement storesGrocery stores (excluding Walmart and Target) and select streaming servicesWalmart and PayPal

How to activate your Chase bonus categories

You can activate Chase Freedom Flex℠ categories by visiting the Chase Freedom Flex℠ categories page and clicking the "Activate now" button.

Note that you don't have to activate before the quarter starts. You can activate until December 14 — two weeks before the quarter ends. Don't worry if you forgot to activate before you made a purchase. You will still earn 5% cash back as long as you activate the cash back before the deadline. Chase also lets you add reminders to your calendar so you don't forget to activate your categories throughout the year.

How to maximize your the Chase Freedom calendar

You'll want to pay special attention to the quarterly categories to determine the best way to maximize them.

For example, in Q4 of 2022, the Chase cash back calendar bonus categories are PayPal and Walmart. In preparation for the holiday season, you might consider purchasing groceries and paying for gifts through PayPal or at Walmart using this card to rack up serious cash back on your purchases.

Previous Chase rewards calendar

Chase does not provide details about its bonus categories until a couple of weeks in advance of a quarter. This can make it difficult to decide on applying for the Chase Freedom Flex℠, especially if you are trying to forecast whether the Chase Freedom calendar will match your spending patterns. One way around this issue is to look at last year's categories. Many of the merchants on the Chase Freedom Flex℠ cashback calendar tend to repeat from year to year, with only slight variation.

2021
2022
January-MarchWholesale clubs, internet, cable, phone services and select streaming servicesGrocery stores (excluding Walmart and Target) and eBay
April-JuneGas stations and home improvement storesAmazon.com and select streaming services
July-SeptemberGrocery stores (excluding Walmart and Target) and select streaming servicesGas stations, car rental agencies, movie theaters and select live entertainment
October-DecemberWalmart and PayPalWalmart and PayPal

The types of merchants included in the 5% bonus calendar change every year. However, certain groups — like restaurants and grocery stores — are included almost every year, during similar time periods. Likewise, certain themes follow specific seasons. For example, the fourth-quarter categories usually have a holiday theme.

Chase Freedom Flex℠ categories vs. Discover it® Cash Back categories

Like the Chase Freedom Flex℠, the Discover it® Cash Back offers 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

Discover's cashback calendar tends to cover many of the same categories as the Chase rewards calendar — such as grocery stores, restaurants and holiday shopping in the fourth quarter. Unlike Chase, Discover releases its entire calendar at the beginning of the year so you know ahead of time what you'll be earning through the year.

Here's a comparison of the two cards' categories for 2022:

Chase Freedom Flex℠
Discover it® Cash Back
Grocery stores and eBayGrocery stores and fitness club and gym memberships
Amazon.com and select streaming servicesGas stations and Target
Gas stations, car rental agencies, movie theaters and select live entertainmentRestaurants and PayPal
Walmart and PayPalAmazon.com and digital wallets

Other benefits of the Chase Freedom Flex℠ Card

Chase Freedom Flex℠ cardholders earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

On Chase's Secure Website

Besides the stellar Chase Freedom cash back calendar and earning rate, you can also enjoy a lucrative sign-up bonus with $0 annual fee:

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

Other top perks of the card include:

  • Long introductory offer for balance transfers and new purchases
  • Cellphone protection
  • Travel and purchase protections
  • See our full review

The information related to Discover it® Cash Back has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).