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.
February 11, 2025: If you want to earn Ultimate Rewards® points, the fastest way to increase your point balance is with one of the Chase Ultimate Rewards® credit card sign-up bonuses. Here, you’ll find the best Ultimate Rewards bonuses available.
Best Ultimate Rewards® promo offers in February 2025 at a glance
 Ink Business Preferred® Credit Card Annual fee: annual_fees | Sign-up bonus: bonus_miles_full Learn how to apply. Earns Ultimate Rewards and enables both redemptions for 25% more value through Chase Travel℠ and transfers to partners. |
 Ink Business Cash® Credit Card Annual fee: annual_fees | Sign-up bonus: bonus_miles_full Learn how to apply. Bonus is marketed as cash back, but the card earns Ultimate Rewards® points behind the scenes. |
 Ink Business Unlimited® Credit Card Annual fee: annual_fees | Sign-up bonus: bonus_miles_full Learn how to apply. Bonus is marketed as cash back, but the card earns Ultimate Rewards® points behind the scenes. |
 Chase Sapphire Reserve® Annual fee: annual_fees | Sign-up bonus: bonus_miles_full Learn how to apply. Offers the most generous value of any Chase card when redeeming points for travel through Chase Travel℠ (50% more value) and enables transfers to travel partners. |
 Chase Sapphire Preferred® Card Annual fee: annual_fees | Sign-up bonus: bonus_miles_full Learn how to apply. The bonus above is the best bonus online, but you can frequently find a better offer in-branch. We cover the in-branch offers in our dedicated article on the Chase Sapphire Preferred® sign-up bonus offers. Earns Ultimate Rewards and enables both redemptions for 25% more value through Chase Travel℠ and transfers to partners. |
 Chase Freedom Unlimited® Annual fee: annual_fees | Sign-up bonus: bonus_miles_full Learn how to apply. The offer above is not the only offer available online. There are other offers available on this card and you should absolutely read our article on the best Freedom Unlimited bonuses before applying to make sure you get the right offer for you. The Freedom Unlimited is marketed as a cash back card, but the card earns Ultimate Rewards® points behind the scenes. |
 Chase Freedom Flex® Annual fee: $0 | Sign-up bonus: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Learn how to apply. The Freedom Unlimited is marketed as a cash back card, but the card earns Ultimate Rewards® points behind the scenes. |
Editor’s picks: The best Chase Ultimate Rewards® sign-up bonuses in February 2025.
Currently, the Ink Business Unlimited® Credit Card and Ink Business Cash® Credit Card have the most 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.
Ink Business Preferred® Credit Card
Sign-up bonus: bonus_miles_full
Learn how to apply.
Annual fee: annual_fees
About the rewards: The Ink Business Preferred® Credit Card earns Ultimate Rewards® points and allows you to redeem them for 25% more value for travel through Chase Travel℠. The card also enables point transfers to loyalty program partners.
A good choice for you if: You are a small business owner and are considering the Chase Sapphire Preferred® Card. You can probably earn more points on your travel with the Ink Preferred, for the same annual fee.
Ink Business Preferred® Credit Card at a glance
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
The Ink Business Preferred® Credit Card offers more points for travel purchases and gives you the ability to redeem your rewards through Chase Travel℠ for 25% more value and transfer points to travel partners.
Sign-up bonus
Best public sign-up bonus: bonus_miles_full
Learn how to apply.
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.
Rewards
- 5x on Lyft rides through March 31, 2025.
- 3x points on the first $150,000 spent in combined purchases in the following categories each account anniversary year:
- Shipping purchases.
- Advertising purchases made with social media sites and search engines.
- Internet, cable, and phone services.
- Travel.
- 1x on other purchases.
Rewards are earned as Chase Ultimate Rewards® points and can be redeemed for a variety of travel and cash back awards. Rewards are worth 25% more when redeemed for travel through Chase Travel℠.
Ultimate Rewards® can be combined across cards you hold. If you hold a premium Ultimate Rewards card, you can transfer your points to Chase’s transfer partners or use your points for increased value when you book travel through Chase Travel℠. For more about using Ultimate Rewards, check out our guide on the Ultimate Rewards program.
Benefits
Consumer insurance benefits
- Extended warranty protection.
- Purchase protection.
- Cell phone protection.
Travel insurance benefits
- Trip cancellation/interruption insurance.
- Auto rental collision damage waiver.
Ink Business Cash® Credit Card
Sign-up bonus: bonus_miles_full
Learn how to apply.
Annual fee: annual_fees
About the rewards: The Ink Business Cash® Credit Card is marketed as a cash back credit card, but earns Ultimate Rewards® points behind the scenes. If you also hold a premium Ultimate Rewards® card like the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®, you can transfer your Ink Cash points to that card and use them for more lucrative redemption options.
A good choice for you if: You are a small business owner and your spending patterns match up with the Ink Cash bonus categories: Office supply stores; internet, cable and phone services; gas stations; and restaurants.
Ink Business Cash® Credit Card at a glance
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
The Ink Business Cash® Credit Card offers up to 5% cash back rewards in useful business categories like office supply stores, and internet, cable, and phone services.
Sign-up bonus
Best bonus online: bonus_miles_full
This can be by far the most lucrative Chase Ink bonus if you also have a Chase Business Checking account and use the card for your business spending. It is also the easiest Chase Ink bonus to earn.
Rewards
- 5% at office supply stores and on internet, cable, and phone services
on the first $25,000 of combined purchases each account anniversary year. - 5% on Lyft rides through March 31, 2025.
- 2% at gas stations and restaurants
on the first $25,000 of combined purchases each account anniversary year. - 1% on other purchases.
Rewards are marketed as cash back, but earned as Chase Ultimate Rewards® points.
Ultimate Rewards® can be combined across cards you hold. If you hold a premium Ultimate Rewards card, you can transfer your points to Chase’s transfer partners or use your points for increased value when you book travel through Chase Travel℠. For more about using Ultimate Rewards, check out our guide on the Ultimate Rewards program.
Benefits
Consumer insurance benefits
Travel insurance benefits
- Auto rental collision damage waiver.
- Travel and emergency assistance services.
Ink Business Unlimited® Credit Card
Sign-up bonus: bonus_miles_full
Learn how to apply.
Annual fee: annual_fees
About the rewards: The Ink Business Unlimited® Credit Card is marketed as a cash back credit card, but earns Ultimate Rewards® points behind the scenes. If you also hold a premium Ultimate Rewards® card like the Ink Business Preferred® Credit Card, you can transfer your Ink Unlimited points to that card and use them for more lucrative redemption options.
A good choice for you if: You are a small business owner and you want a card to use for general spending that has no annual fee.
Ink Business Cash® Credit Card at a glance
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
The Ink Business Cash® Credit Card offers up to 5% cash back rewards in useful business categories like office supply stores, and internet, cable, and phone services.
Sign-up bonus
Best bonus online: bonus_miles_full
This can be by far the most lucrative Chase Ink bonus if you also have a Chase Business Checking account and use the card for your business spending. It is also the easiest Chase Ink bonus to earn.
Rewards
- 5% at office supply stores and on internet, cable, and phone services
on the first $25,000 of combined purchases each account anniversary year. - 5% on Lyft rides through March 31, 2025.
- 2% at gas stations and restaurants
on the first $25,000 of combined purchases each account anniversary year. - 1% on other purchases.
Rewards are marketed as cash back, but earned as Chase Ultimate Rewards® points.
Ultimate Rewards® can be combined across cards you hold. If you hold a premium Ultimate Rewards card, you can transfer your points to Chase’s transfer partners or use your points for increased value when you book travel through Chase Travel℠. For more about using Ultimate Rewards, check out our guide on the Ultimate Rewards program.
Benefits
Consumer insurance benefits
Travel insurance benefits
- Auto rental collision damage waiver.
- Travel and emergency assistance services.
Chase Sapphire Reserve®
Sign-up bonus: bonus_miles_full
Learn how to apply.
Annual fee: annual_fees
About the rewards: The Chase Sapphire Reserve® earns Ultimate Rewards® points and opens two of Chase’s most valuable redemption options: 50% more value when redeeming points for travel booked through Chase Travel℠ and transfers to loyalty program partners.
A good choice for you if: You travel often, want market-leading credit card travel insurance benefits, and want to get the most out of your Ultimate Rewards® points.
Chase Sapphire Preferred® Card
Sign-up bonus: bonus_miles_full
Learn how to apply.
Annual fee: annual_fees
About the rewards: The Chase Sapphire Preferred® Card earns Ultimate Rewards® points and enables transfers to loyalty program partners. You’ll also get 25% more value for your points when redeeming them for travel through Chase Travel℠.
A good choice for you if: You travel often, want market-leading credit card travel insurance benefits, and want to get the most out of your Ultimate Rewards® points.
Chase Sapphire Preferred® Card at a glance
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
The Chase Sapphire Preferred® Card offers excellent travel insurance protections, additional points on travel and two lucrative point redemption options: Booking travel through Chase Travel℠ and getting 25% more value; and point transfers to loyalty program partners.
Sign-up bonus
Best sign-up bonus online: bonus_miles_full
Learn how to apply.
This bonus is earned as Chase Ultimate Rewards® points.
Additional sign-up bonus in-branch: As of January 13, 2025, Chase is offering an exclusive in-branch offer. You can earn 70,000 bonus points after you spend $5,000 in purchases in the first 3 months from account opening. This offer is only available in-branch from a Chase banker.
Chase frequently offers a slightly larger bonus in-branch. See our coverage of the best Sapphire Preferred bonuses for more on that. We always tell you about the best offer we know about.
Rewards
- 5x on travel purchased through Chase Travel℠,
excluding hotel purchases that qualify for the $50 annual Chase Travel hotel credit. - 5x on Peloton equipment and accessory purchases over $150,
with a maximum of 25,000 total points through March 31, 2025. - 3x on dining, including eligible takeout and delivery services.
- 3x on online grocery purchases,
excluding Target, Walmart, and wholesale clubs. - 3x points on select streaming services.
- 2x on other travel purchases.
- 1x on other purchases.
Rewards are earned as Chase Ultimate Rewards® points.
Ultimate Rewards® can be combined across cards you hold. If you hold a premium Ultimate Rewards card, you can transfer your points to Chase’s transfer partners or use your points for increased value when you book travel through Chase Travel℠. For more about using Ultimate Rewards, check out our guide on the Ultimate Rewards program.
Benefits
Consumer insurance benefits
- Purchase protection. Offers coverage for up to 120 days against damage or theft of new purchases for up to $500 per claim and $50,000 per account.
- Extended warranty protection. Adds one year of coverage to U.S. manufacturer’s warranties of 3 years or less.
Travel insurance benefits
- Trip cancellation/interruption insurance. Covers non-refundable pre-paid travel expenses, including passenger fares, tours, and hotels if your trip is canceled or cut short by sickness, severe weather, or other covered situations. Coverage is included up to $10,000 per person and $20,000 per trip.
- Auto rental collision damage waiver. Provides primary rental car coverage against collision and theft for most rental cars in the U.S. and abroad when you decline the rental company’s collision damage waiver insurance and use your card to rent your car.
- Baggage delay insurance. Offers reimbursement for essential purchases like toiletries and clothing when your baggage is delayed by more than 6 hours. Coverage is provided up to $100 a day for 5 days.
- Trip delay reimbursement. Covers essential expenses, such as meals and lodging if your travel by common carrier is delayed by 12 hours or more or requires an overnight stay. Coverage is provided up to $500 per ticket.
- Lost luggage reimbursement. If your luggage is lost while traveling by common carrier, this benefit can reimburse you up to $3,000 per covered person, per trip to replace your lost luggage.
- Travel accident insurance. This insurance pays a fixed amount for certain losses of life and limb when you charge your airfare to your card.
- Travel and emergency assistance services. This service can provide referrals to a variety of medical, legal, and travel emergency services when traveling abroad. You are responsible for the costs of any services provided.
Partner benefits and statement credits
- DoorDash DashPass Subscription, plus $10 monthly discount. Receive complimentary access to DashPass—a membership for both DoorDash and Caviar—for at least one year when you activate by December 31, 2027. DoorDash members get up to $10 off a month on non-restaurant orders.
- $50 Chase Travel℠ annual credit. Earn up to $50 in statement credits each account anniversary year for hotels stays purchased through Chase Travel.
Rewards benefits
- More value for points when redeemed through Chase Travel℠. Get 25% more value when your points are redeemed for travel through Chase Travel.
- 10% anniversary bonus. Get bonus points equal to 10% of your total purchases in the previous account anniversary year on your account anniversary. For example, if you made $25,000 of purchases on your card, you’ll get 2,500 bonus points.
- Point transfers to airline and hotel partners. Transfer your points to one of Chase’s many airline and hotel transfer partners. See our guide to Ultimate Rewards® for more details on how to use points.
Chase Freedom Unlimited®
Sign-up bonus: bonus_miles_full
Learn how to apply.
Annual fee: annual_fees
About the rewards: The Chase Freedom Unlimited® is marketed as a cash back credit card, but earns Ultimate Rewards® points behind the scenes.
A good choice for you if: You’re collecting Ultimate Rewards® and you want a card to use “everywhere else” when you’re not earning more than 1.5x points in a bonus category.
Chase Freedom Unlimited® at a glance
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
The Chase Freedom Unlimited® is an excellent choice for a use-anywhere card, thanks to its 1.5% cash back rewards and extended warranty benefit.
Sign-up bonus
Online affiliate offer: bonus_miles_full
Learn how to apply.
Direct and referral offer: As of February 14, 2025, referral links and Chase.com are showing the following offer: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
Learn more and apply for the referral offer.
All information about direct and referral offers on the Chase Freedom Unlimited® card has been collected independently by cardsandpoints.com.
The $200 after $500 offer is probably the better offer, but you’ll earn more points with the “extra 1.5%” offer if you spend more than about $13,333 on the card in your first year.
Rewards
- 5% on travel purchased through Chase Travel℠.
- 5% on Lyft rides through March 31, 2025.
- 3% on dining at restaurants, including eligible takeout and delivery services.
- 3% drugstore purchases.
- 1.5% on other purchases.
Rewards are marketed as cash back, but earned as Chase Ultimate Rewards® points.
Ultimate Rewards® can be combined across cards you hold. If you hold a premium Ultimate Rewards card, you can transfer your points to Chase’s transfer partners or use your points for increased value when you book travel through Chase Travel℠. For more about using Ultimate Rewards, check out our guide on the Ultimate Rewards program.
Benefits
Consumer insurance benefits
Travel insurance benefits
- Trip Cancellation and Interruption Insurance.
- Auto Rental Coverage.
- Roadside Assistance.
- Travel and Emergency Assistance.
Partner benefits and statement credits
- 6 months of complimentary access to DashPass.
Subject to auto-renewal at the current monthly rate. Activate by December 31, 2027.
Chase Freedom Flex®
Sign-up bonus: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
Learn how to apply.
Annual fee: $0
About the rewards: The Chase Freedom Flex® is marketed as a cash back credit card, but earns Ultimate Rewards® points behind the scenes.
A good choice for you if: You enjoy the game of chasing the best rewards. The Freedom Flex® offers quarterly rotating categories that will get you 5% rewards on up to $1,500 in purchases during the quarter. That can really boost your rewards balance, but you’ll need to keep track of and activate the card’s bonus categories every three months.
Chase Freedom Flex® at a glance
Annual fee: $0
Foreign transaction fee: 3% of the amount of each transaction in U.S. dollars.
All information about the Chase Freedom Flex® has been collected independently by cardsandpoints.com.
The Chase Freedom Flex® offers 5% rewards on up to $1,500 in purchases in rotating categories each quarter when you activate.
Sign-up bonus
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.
The Freedom Flex sometimes offers a better welcome bonus in-branch. We’ll publish any in-branch offers we find in our coverage of the best Chase Freedom Flex sign-up bonuses.
These bonuses are marketed as cash back, but earned as Chase Ultimate Rewards® points.
Rewards
- 5% in quarterly rotating categories
on up to $1,500 in total combined purchases each quarter when you activate. - 5% on travel purchased through Chase Travel℠
- 5% on Lyft rides through March 31, 2025.
- 3% on dining, including eligible takeout and delivery services.
- 3% on drugstore purchases.
- 1% on other purchases.
Rewards are marketed as cash back, but earned as Chase Ultimate Rewards® points.
Ultimate Rewards® can be combined across cards you hold. If you hold a premium Ultimate Rewards card, you can transfer your points to Chase’s transfer partners or use your points for increased value when you book travel through Chase Travel℠. For more about using Ultimate Rewards, check out our guide on the Ultimate Rewards program.
Benefits
Consumer insurance benefits
- Purchase Protection.
- Extended Warranty Protection.
- Cell Phone Protection.
Travel insurance benefits
- Trip Cancellation and Interruption Insurance.
- Auto Rental Coverage.
- Travel and Emergency Assistance.
Partner benefits and statement credits
- 6 months of complimentary DashPass.
Requires enrollment and is subject to auto-renewal. Activate by Dec 31, 2027.
Bottom line: Easy to earn Ultimate Rewards® with a new cardmember bonus
Chase makes it easy to earn Ultimate Rewards® points with new cardmember promotions. And if you’re collecting Ultimate Rewards® points and don’t already have all of the no-annual-fee cards in your wallet, these sign-up bonuses offer easy ways to increase your point balance.
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.
