Chase Freedom Ultimate Reward card offers 5% cash back in select categories that change every quarter. You must log in to your account and activate the rewards in order to receive the cashback. Then use your Chase Freedom card at merchants within those categories to be eligible for 5% back. You can earn a maximum of $75 each quarter. The current cashback categories (October through December 2020) are Walmart and Paypal. For a list of eligible merchants and to activate your rewards, visit Chase.com.