8 Best Chase Credit Card Welcome Bonuses of All Time

Jodie Price

By Jodie Price | Updated September 15, 2025

Chase has offered some of the most competitive credit card welcome bonuses in the industry, with certain deals standing out for their high value and flexible rewards. This list highlights the eight best Chase credit card welcome bonuses of all time. By looking at both personal and business cards, it shows how different types of cardholders have maximized rewards through these standout promotions.

  • Chase Freedom Flex®

    The Chase Freedom Flex® is a versatile cash back credit card that earns rewards in multiple categories. It is designed for people who want flexibility in how they earn and redeem rewards.

    It offers rotating quarterly bonus categories along with fixed bonus rates in select spending categories. This makes it useful for both everyday purchases and seasonal spending.

    Earning Structure:

    • 5% cash back on up to $1,500 in combined purchases in rotating categories each quarter (activation required)
    • 5% on travel purchased through Chase Ultimate Rewards®
    • 3% on dining, including takeout and eligible delivery services
    • 3% on drugstore purchases
    • 1% on all other purchases

    Welcome Bonus:
    Earn $200 after spending $500 on purchases in the first 3 months, plus 5% back on grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year.

    Card Details:

    • Annual fee: $0
    • Foreign transaction fees: Applies, check the bank for the updated rates
    • APR: 0% intro APR for 15 months on purchases and balance transfers, then 18.99%–28.49% variable
    • Other perks: Cell phone protection, car rental insurance, extended warranty, purchase protection, trip cancellation insurance

    Key Benefits:

    • Rotating 5% categories allow higher rewards on changing spending areas
    • Bonus rates on travel, dining, and drugstores
    • Purchase protection and extended warranty coverage
    • Cell phone protection when paying the bill with the card

    Redemption Options:
    Rewards can be redeemed for cash back, travel through Chase Ultimate Rewards®, gift cards, or eligible purchases at select merchants.

    Credit Requirements:
    Typically requires good to excellent credit (FICO 670 or higher).

    Spending Limitations / Potential Drawbacks:
    The 5% quarterly bonus is capped at $1,500 in combined purchases per quarter.

    Why it Works for Beginners:
    The mix of fixed and rotating categories makes it easy to earn strong rewards without complex strategies.

  • Chase Freedom Unlimited®

    The Chase Freedom Unlimited® is a versatile rewards credit card that works well for everyday spending. It offers a flat rewards rate on most purchases along with higher rates in select categories.

    This card is part of Chase’s Ultimate Rewards® program, making it useful for both cash back and travel redemptions. It can also be paired with premium Chase cards for greater value.

    Earning Structure:

    • 5% cash back on travel purchased through Chase Ultimate Rewards®
    • 3% cash back on dining, including takeout and delivery
    • 3% cash back on drugstore purchases
    • 1.5% cash back on all other purchases

    Welcome Bonus:
    Earn a $200 bonus after making $500 in purchases within the first three months. During the first year, you can also receive 5% back on grocery store spending (excluding Target and Walmart) for up to $12,000 in purchases. Some versions of the offer replace this with double cash back on all purchases for the first 12 months.

    Card Details:

    • Annual fee: $0
    • Foreign transaction fees: 3%
    • APR: 0% intro APR for 15 months on purchases and balance transfers, then 18.99%–28.49% variable
    • Rewards never expire while the account is open

    Key Benefits:

    • Flexible redemption options, including cash back, travel, and gift cards
    • Higher rewards in common spending categories
    • Purchase protection and extended warranty coverage
    • Access to Chase’s travel booking portal

    Redemption Options:
    Cash back can be redeemed as a statement credit or direct deposit, with no minimum. Points can also be used for travel, gift cards, or eligible purchases, and can be combined with other Chase Ultimate Rewards® accounts for more value.

    Credit Requirements:
    Typically requires good to excellent credit (FICO 670 or higher).

    Spending Limitations / Potential Drawbacks:
    The highest reward rates apply only to specific categories.

    Why it Works for Beginners:
    Its simple earning structure and flexible redemption options make it easy to use without complex rules.

  • Chase Sapphire Preferred Card

    The Chase Sapphire Preferred® Card is a travel rewards card that offers elevated points in popular categories like travel, dining, and streaming. It also provides flexible redemption options, including transfers to airline and hotel partners.

    Cardholders enjoy valuable travel protections, annual credits, and anniversary point bonuses. It works well for both beginners and experienced travelers who want strong rewards without paying a premium annual fee.

    Earning Structure:

    • 5x points on travel purchased through Chase Travel℠
    • 3x points on dining, select streaming services, and online groceries (excluding Walmart and Target)
    • 2x points on all other travel purchases
    • 1x point on all other purchases

    Welcome Bonus:
    Earn 75,000 bonus points after spending $5,000 in the first three months from account opening.

    Card Details:

    • Annual fee: $95
    • Foreign transaction fees: None
    • APR: 19.99%–28.24% variable
    • Annual $50 hotel credit for bookings through Chase Travel℠
    • 10% anniversary points bonus on total purchases from the prior year

    Key Benefits:

    • Points worth 25% more when redeemed for travel through Chase Ultimate Rewards
    • Ability to transfer points to airline and hotel partners
    • Primary rental car insurance coverage
    • Trip cancellation and interruption insurance

    Redemption Options:
    Points can be redeemed for travel, cash back, gift cards, or transferred to airline and hotel partners. Travel bookings through Chase Travel℠ offer a 25% points value boost.

    Credit Requirements:
    Typically requires good to excellent credit (FICO 670 or higher).

    Spending Limitations / Potential Drawbacks:
    Comes with a $95 annual fee, which may not suit infrequent travelers.

    Why it Works for Beginners:
    It offers a simple earning structure, flexible redemption options, and strong travel benefits without requiring advanced rewards strategies.

  • Chase Sapphire Reserve

    The Chase Sapphire Reserve is a premium travel rewards credit card designed for frequent travelers. It offers strong earning potential on travel and dining purchases. It also provides valuable travel protections and access to luxury perks. Cardholders can use points for flexible redemption options through Chase’s rewards program.

    Earning Structure:

    • 8x points on all purchases through Chase Travel℠, including The Edit℠
    • 4x points on flights and hotels booked direct
    • 3x points on dining worldwide
    • 1x point on all other purchases

    Welcome Bonus:
    Earn 100,000 bonus points plus a $500 Chase Travel℠ promo credit after spending $5,000 on purchases in the first three months from account opening.

    Card Details:

    • Annual fee: $795
    • Foreign transaction fees: None
    • APR: 20.24%–28.74% variable
    • $300 annual travel credit each account anniversary year
    • $300 annual dining credit (two semiannual $150 credits for Sapphire Reserve Exclusive Tables restaurants)
    • Access to Chase’s 14 airline and hotel partners

    Key Benefits:

    • Comprehensive travel insurance coverage
    • No foreign transaction fees
    • Luxury hotel and resort program access
    • 24/7 customer service and concierge

    Redemption Options:
    Points can be redeemed for travel, cash back, gift cards, or transferred to airline and hotel partners. Travel bookings through Chase Travel℠ offer enhanced value per point.

    Credit Requirements:
    Typically requires excellent credit (FICO 740 or higher).

    Spending Limitations / Potential Drawbacks:
    The card has a high annual fee that may not suit infrequent travelers.

    Why it Works for Beginners:
    Its simple earning categories and flexible redemption options make it easy to understand and use effectively.

  • Ink Business Cash® Credit Card

    The Ink Business Cash® Credit Card is designed for small business owners who want to earn rewards on everyday expenses. It offers cash back on common business categories without charging interest on purchases paid in full each month.

    It works well for businesses that spend often on office supplies, internet, and phone services. The rewards structure is simple, making it easy to track and redeem earnings.

    Earning Structure:

    • 5% cash back on the first $25,000 spent in combined purchases each account year at office supply stores and on internet, cable, and phone services
    • 2% cash back on the first $25,000 spent in combined purchases each account year at gas stations and restaurants
    • 1% cash back on all other purchases

    Welcome Bonus:
    Earn a $900 cash bonus after spending $6,000 on purchases in the first three months from account opening.

    Card Details:

    • Annual fee: $0
    • Foreign transaction fees: Applies, check the bank for the updated rates
    • APR: 0% intro APR for 12 months on purchases, then 17.49%–25.49% variable
    • Zero Liability protection for unauthorized charges

    Key Benefits:

    • Strong rewards in common business categories
    • Flexible redemption through Chase Ultimate Rewards®
    • Purchase protection and extended warranty coverage

    Redemption Options:
    Rewards can be redeemed for cash back, gift cards, travel, or transferred to other Chase cards that offer travel transfer partners.

    Credit Requirements:
    Typically requires good to excellent credit (FICO 670 or higher).

    Spending Limitations / Potential Drawbacks:
    Bonus category earnings are capped at $25,000 per year for each bonus tier.

    Why it Works for Beginners:
    The simple earning structure and flexible redemption make it easy for new business owners to maximize rewards without complex tracking.

  • Ink Business Preferred® Credit Card

    The Ink Business Preferred® Credit Card is designed for small business owners who want to earn rewards on common business expenses. It offers a flexible points program that can be used for travel, cash back, or other redemptions.

    It is part of Chase’s business card lineup and is known for its strong earning potential in select categories. The card also includes protections and benefits that can help manage business spending.

    Earning Structure:

    • 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
    • 1 point per $1 on all other purchases, with no cap

    Welcome Bonus:
    Earn 120,000 bonus points after spending $8,000 on purchases in the first three months from account opening.

    Card Details:

    • Annual fee: $95
    • Foreign transaction fees: None
    • APR: 20.24%–26.24% variable
    • Zero Liability protection and 24/7 fraud monitoring

    Key Benefits:

    • Cell phone protection when paying the bill with the card
    • Trip cancellation and interruption insurance
    • Purchase protection and extended warranty coverage
    • Flexible point transfers to airline and hotel partners

    Redemption Options:
    Points can be redeemed for cash back, gift cards, travel, or transferred to Chase’s airline and hotel partners for potentially higher value.

    Credit Requirements:
    Typically requires good to excellent credit (FICO 670 or higher).

    Spending Limitations / Potential Drawbacks:
    The high spending threshold for the welcome bonus may be challenging for smaller businesses.

    Why it Works for Beginners:
    It offers simple earning categories and valuable points that are easy to redeem for travel or cash back.

  • Ink Business Premier® Credit Card

    The Ink Business Premier® Credit Card is designed for business owners who want simple, high-value rewards on everyday spending. It focuses on straightforward earning rates rather than complex bonus categories.

    It works well for companies with large purchases or consistent monthly expenses. Its structure makes it easy to track and redeem rewards without complicated rules.

    Earning Structure:

    • 5% cash back on travel purchased through Chase Travel℠
    • 2.5% cash back on purchases of $5,000 or more
    • 2% cash back on all other business purchases

    Welcome Bonus:
    Earn a $1,000 cash bonus after spending $10,000 on purchases in the first three months from account opening.

    Card Details:

    • Annual fee: $195
    • Foreign transaction fees: None
    • APR: Flex for Business variable APR of 18.49%–26.49%
    • Employee cards at no additional cost
    • Flex for Business feature allows qualifying purchases to be paid over time with interest

    Key Benefits:

    • Higher rewards rate on large purchases
    • Simple flat-rate earning for all other spending
    • Purchase protection and extended warranty coverage
    • Access to business tools and account management features

    Redemption Options:
    Cash back can be redeemed as statement credits, deposits to eligible accounts, gift cards, or travel through Chase Travel℠.

    Credit Requirements:
    Typically requires good to excellent credit (FICO 670 or higher).

    Spending Limitations / Potential Drawbacks:
    The card does not allow point transfers to Chase travel partners.

    Why it Works for Beginners:
    Its flat-rate structure and high-value bonus make it easy for new business owners to maximize rewards without managing multiple categories.

  • Ink Business Unlimited® Credit Card

    The Ink Business Unlimited® Credit Card is designed for small business owners who want simple rewards without tracking categories. It offers a flat cash back rate on every purchase.

    It works well for those who prefer a straightforward earning system and want to earn rewards on all business expenses. The card also provides access to valuable business tools and protections.

    Earning Structure:

    • Unlimited 1.5% cash back on every purchase
    • No rotating categories or spending caps

    Welcome Bonus:
    Earn a $900 cash bonus after spending $6,000 on purchases in the first three months from account opening.

    Card Details:

    • Annual fee: $0
    • Foreign transaction fees: Applies, check the bank for the updated rates
    • APR: 0% intro APR for 12 months on purchases, then 17.49%–23.49% variable
    • Employee cards at no additional cost with customizable spending limits
    • Zero Liability protection and purchase monitoring

    Key Benefits:

    • Employee cards at no additional cost
    • Purchase protection and extended warranty coverage
    • Travel and emergency assistance services
    • Integration with accounting software

    Redemption Options:
    Rewards can be redeemed for cash back, gift cards, travel through Chase, or applied as a statement credit.

    Credit Requirements:
    Typically requires good to excellent credit (FICO 670 or higher).

    Spending Limitations / Potential Drawbacks:
    Does not offer bonus categories for higher earning potential.

    Why it Works for Beginners:
    The flat-rate rewards and simple structure make it easy for new business owners to maximize value without tracking categories.

Frequently Asked Questions

What are the eligibility criteria for the Chase Sapphire Preferred sign-up bonus?

Applicants must not currently hold the Chase Sapphire Preferred or Chase Sapphire Reserve. They also must not have received a Sapphire-series welcome bonus in the past 48 months. Approval depends on meeting Chase’s standard credit requirements.

How can existing Chase customers qualify for new credit card offers?

They can qualify if they apply for a card they don’t already have and meet the bonus eligibility rules. The Chase 5/24 rule applies, limiting approvals for those who have opened five or more credit cards in the past 24 months.

What is the typical spending requirement to earn a Chase Sapphire Reserve welcome bonus?

It is often around $4,000 in purchases within the first three months after account opening. The amount can vary based on the promotion. Current offers for the Sapphire Reserve® can include points bonuses and additional travel credits.

Are there any limited-time promotions for Chase credit card welcome bonuses?

Yes, Chase sometimes increases bonus amounts or adds extra rewards for a short period. These offers may appear seasonally or during special campaigns. Examples include higher bonuses for cards like the Chase Freedom Unlimited® or Ink Business Preferred® Credit Card.

Can the welcome bonuses for Chase credit cards be combined with other deals?

Chase generally does not allow stacking a welcome bonus with another for the same card. However, you can earn rewards from ongoing promotions or partner offers at the same time. For example, a Chase Sapphire Preferred® welcome bonus can be combined with category-based earnings on a Chase Freedom Flex®.