Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
November 14, 2024: The increased bonus offer on the Chase Sapphire Preferred® Card has now ended.
Here’s our take on the best Chase Ultimate Rewards® bonuses currently available, the bonuses we’d get if we were applying today, and the list of the best bonus available on every card that earns Ultimate Rewards.
Editor’s picks: The best Chase Ultimate Rewards® sign-up bonuses in November 2024.
Although the limited time offer on the Ink Business Unlimited® Credit Card has now ended, we still think that the Ink Business Unlimited® Credit Card and Ink Business Cash® Credit Card have incredibly compelling welcome offers, considering that neither card has an annual fee.
If you’re considering the Chase Sapphire Preferred® Card, take a look at the Ink Business Preferred® Credit Card if you’re a small business owner. The Ink Preferred offers increased value for Chase Travel℠ redemptions and transfers to partners, but a much larger sign-up bonus.
We also like the in-branch offers of the Chase Freedom Unlimited® and Chase Freedom Flex®. The last time we checked, both of these cards offered 5% on up to $12,000 of gas and grocery purchases in addition to the normal welcome offer. But you have to go into a Chase branch to get these offers. There’s currently no way to get these offers online.
Current Ultimate Rewards® credit card welcome bonuses at a glance
Want to do your own research? Here are the best sign-up bonuses we’ve found on every card that earns Ultimate Rewards®. Note that some of the cards below mention “cash back” because Chase markets them as cash back cards—all of these cards earn Ultimate Rewards behind the scenes.
Chase Sapphire Preferred® Card bonus
Annual fee: annual_fees
Best sign-up bonus online: bonus_miles_full
This bonus is earned as Chase Ultimate Rewards® points.
Chase Sapphire Reserve® bonus
Annual fee: annual_fees
Best sign-up bonus: bonus_miles_full
This bonus is earned as Chase Ultimate Rewards® points.
Chase Freedom Unlimited® bonuses
Annual fee: annual_fees
The Chase Freedom Unlimited® currently offers three different sign-up bonuses for new cardmembers.
Online affiliate offer: bonus_miles_full
Learn how to apply for the “extra 1.5%” offer being promoted through affiliate channels.
Best bonus in-branch: As of August 27, 2024, the following offer is available in branch: Earn up to $800 cash back: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Plus earn 5% cash back on combined gas station and grocery store purchases (not including Target® and Walmart® purchases) on up to $12,000 spent in the first year. (That’s $600 cash back.) To get this bonus, you must apply in-person in a branch with a Chase banker.
Easiest bonus online: Earn a $200 bonus after spending $500 on purchases in your first 3 months from account opening. This bonus is offered directly on the Chase website or through personal referral links.
Chase Freedom Flex bonuses
Annual fee: $0
The Chase Freedom Flex℠ offers different sign-up bonuses based on the channel you’re applying through
Best bonus online: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Learn how to apply.
In-branch offer: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
These bonuses are marketed as cash back, but earned as Chase Ultimate Rewards® points.
Ink Business Unlimited® Credit Card bonus
Annual fee: annual_fees
Best bonus online: bonus_miles_full
This welcome bonus is marketed as cash back, but earned as Ultimate Rewards® points.
Ink Business Cash® Credit Card bonus
Annual fee: annual_fees
Best bonus online: bonus_miles_full
This welcome bonus is marketed as cash back, but earned as Ultimate Rewards® points.
Ink Business Preferred® Credit Card bonus
Annual fee: annual_fees
Best bonus online: bonus_miles_full
With the Ink Business Preferred® Credit Card, you can redeem your points for cash back or use them for travel booked through Chase Travel℠ at 1.25 cents per point.
Frequently asked questions
No. Chase only allows you to have one Chase Sapphire card at a time. Even if you could have both cards, there would be little benefit to having both.
Chase requires you to stick with the same card for a year before requesting a product change. After a year, you can change your Chase Sapphire Preferred card to either a Chase Sapphire Reserve or a Chase Freedom Flex card.
The Chase Sapphire card with no annual fee is available only as a product-change option for Chase Sapphire Preferred® Card and Chase Sapphire Reserve® cardholders. To get this card, you must hold one of these other cards for a year or more and request a product change. The Chase Sapphire (no-annual-fee) is not available to new cardmembers.
Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
