Norwegian Cruise Line Joins Chase Freedom’s 2026 Rewards Program

Chase Freedom is set to roll out its Q1 2026 cash back categories, bringing exciting opportunities for travellers and dining enthusiasts. Between January 1 and March 31, 2026, Chase Freedom and Freedom Flex cardmembers can earn 5 percent cash back on purchases made at restaurants, donations to the American Heart Association, and Norwegian Cruise Line bookings. These categories are sure to appeal to those planning vacations and supporting meaningful causes.

A Rewarding Quarter for Dining and Cruises

The rotating categories for Q1 2026, announced by Chase, are designed to cater to the diverse interests of cardmembers. Whether it’s enjoying a meal at a local restaurant or booking a long-awaited cruise, this quarter’s categories present a great opportunity to earn rewards while indulging in favourite activities.

For food lovers, dining takes the spotlight. From casual takeout to exquisite fine dining, cardmembers can earn 5 percent cash back at eligible restaurants. The bonus extends to both dine-in and delivery services, making it easier than ever to enjoy meals and earn rewards. This new category ensures that every dining experience from casual to upscale will be more rewarding.

Giving Back with the American Heart Association

One of the most exciting developments this quarter is Chase’s partnership with the American Heart Association. Cardmembers who donate to this national charity can now earn 5 percent cash back on their contributions. This collaboration marks the first time charitable donations are included in the Freedom program’s rotating categories, aligning with the increasing consumer interest in supporting important causes. By offering cash back on donations, Chase encourages customers to contribute to the fight against heart disease, making it easier to combine generosity with rewards.

Norwegian Cruise Line: A Perfect Getaway to Earn More

For those seeking a luxurious escape, the Norwegian Cruise Line (NCL) has been added to the list of 2026 categories. Cardmembers can earn 5 percent cash back on bookings made directly with Norwegian Cruise Line. Whether it’s a tropical getaway or an immersive cruise experience, travellers can now book their cruise vacation while earning rewards. This new category adds an exciting element to the rewards program, providing further incentive to explore some of the world’s most stunning destinations through NCL.

Chase Freedom is one of the most popular credit card offerings in the United States, with cardholders enjoying a wide variety of benefits. For this quarter, the new categories include some of the most beloved pastimes: dining and cruising, along with the chance to give back to a national charity. Whether it’s treating yourself to a night out, donating to a cause, or planning a dream vacation, these cash back opportunities are sure to inspire cardmembers to make the most of every purchase.

Earning More with Freedom Flex Benefits

While the 5 percent cash back is reserved for the rotating categories, Freedom Flex cardmembers will continue to earn other rewards throughout the quarter. Specifically, cardholders can earn 3 percent cash back on dining at restaurants, which includes takeout and delivery. This makes it easy to accumulate rewards with virtually every meal, whether dining out or enjoying a meal at home.

In addition, purchases at drugstores earn 3 percent cash back, and all other purchases made with the Chase Freedom or Freedom Flex card are eligible for 1 percent cash back. These consistent rewards, paired with the 5% cash back during Q1 2026, ensure that Chase Freedom cardholders continue to earn on a variety of everyday purchases.

How to Activate the 5 percent Cash Back Categories

To take advantage of the 5 percent cash back in these exciting categories, cardmembers must activate their bonus categories through Chase’s website or mobile app. Once activated, customers can start earning rewards on dining, charitable donations, and Norwegian Cruise Line purchases up to a combined total of 1,500 dollars. This means cardmembers can potentially earn up to 75 dollars in cash back during the quarter, making it a great time to plan those meals and vacations.

As part of its ongoing commitment to providing valuable rewards to its customers, Chase Freedom continues to support cardmembers in achieving more with their everyday purchases. Whether it’s enjoying a meal with friends, supporting a good cause, or booking a dream cruise, the new rotating categories promise to make 2026 a rewarding year for those who are eager to earn cash back on their purchases.

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