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.
January 2, 2025: The Chase Ink cards still offer some of the strongest welcome bonuses if you’re interested in earning Ultimate Rewards®.
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 January 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.
Finally, the Chase Freedom Unlimited® bonus is worth a look, but we’d recommend applying in-branch or through a referral link for the $250 after $500 bonus offer, rather than for the “extra 1.5% on $20k” offer you’ll see through most sites with affiliate links. We show both offers below.
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
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.
Chase Sapphire Reserve® bonus
Annual fee: annual_fees
Best sign-up bonus online: bonus_miles_full Learn how to apply.
This bonus is earned as Chase Ultimate Rewards® points.
Chase occasionally offers a better bonus on the Sapphire Reserve in-branch. If one is available, we’ll cover that on our page detailing the best Sapphire Reserve bonuses. We’ll always tell you about the best offer we know of.
Chase Freedom Unlimited® bonuses
Annual fee: annual_fees
Online affiliate offer: bonus_miles_full
Learn how to apply.
Direct and referral offer: As of January 14, 2024, 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.
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.
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.
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.
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 public sign-up bonus: Column key for provided table ID not found!
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.
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.
