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.
Update July 12, 2024: The Ink Business Preferred® Credit Card is now offering its largest-ever welcome bonus.
Current Ultimate Rewards® credit card welcome bonuses at a glance
Chase Sapphire Preferred® Card: bonus_miles
Online welcome bonus: bonus_miles_full Learn how to apply.
An additional offer may be available in-branch. Read about the best Chase Sapphire Preferred sign-up bonuses.
Annual fee: $95
Chase Sapphire Reserve®: bonus_miles
Online welcome bonus: bonus_miles_full Learn how to apply.
An additional offer may be available in-branch. Read about the best Chase Sapphire Reserve sign-up bonuses.
Annual fee: $550
Chase Freedom Flex: Earn $200 cash back
Online welcome bonus: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
Confirmed in-branch exclusive offer: 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.
Annual fee: $0
Chase Freedom Unlimited®: Three bonuses to choose from
Online referral bonus: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
Online affiliate offer: bonus_miles_full Learn how to apply.
Confirmed in-branch exclusive offer: 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.)
Annual fee: $0
Ink Business Preferred® Credit Card: bonus_miles
Welcome bonus: bonus_miles_full Learn how to apply.
Annual fee: annual_fees
Ink Business Unlimited® Credit Card: bonus_miles
Welcome bonus: bonus_miles_full Learn how to apply.
Annual fee: $0
Ink Business Cash® Credit Card: A two-tiered bonus
Welcome bonus: bonus_miles_full Learn how to apply.
Annual fee: $0
Best Chase Ultimate Rewards® bonuses
Here’s a bit more on each of the Chase Ultimate Rewards® new cardmember welcome bonuses.
Chase Sapphire Preferred®: Back to the online 60k offer, but possibly a better offer in-branch
On June 13, 2024, the welcome offer on the Chase Sapphire Preferred® Card reverted to the business-as-usual 60k offer. There may be an in-branch offer available that offers slightly more points than the online offer.
The in-branch offer is better if you plan on spending the extra $2,000 within the first 6 months you have the card. See a Chase banker in a branch or read our coverage of the Chase Sapphire Preferred new cardmember bonuses for details on the in-branch offer.
Chase Sapphire Preferred® highlights
- 5x total points on travel purchased through Chase Travel℠
- 3x on dining, including eligible takeout and delivery services.
- 2x on other travel purchases.
- 1x points on other purchases.
- Premium travel insurance protections including primary auto rental collision damage waiver and trip delay protection. Purchase protection. Extended warranty protection.
- Get 25% more value when you redeem points for travel through Chase Travel℠ or transfer points to partners.
Learn how to apply.
Annual fee: annual_fees
Chase Sapphire Preferred® Card sign-up bonus
bonus_miles_full
Business-as-usual welcome bonus. A larger bonus offer ended online on 6/13. You may be able to get a larger offer in-branch.
More about this card
Benefit highlights:
Premium travel insurance benefits.
Transfers to Ultimate Rewards® travel partners.
Extended warranty.
Purchase protection.
Rewards:
5x on travel purchased through Chase Travel℠.
3x on dining, including eligible takeout and delivery services.
3x on online grocery purchases (excluding Target, Walmart, and wholesale clubs).
3x on select streaming services.
1x on other eligible purchases.
Rewards are earned as Chase Ultimate Rewards® points.
Learn more:
Read our review of the Chase Sapphire Preferred.
Learn more about Chase Ultimate Rewards®.
See the best Ultimate Rewards welcome bonuses.
Chase Sapphire Reserve®: 60k points offer
On June 13, 2024, Chase ended the increased welcome offer on the Chase Sapphire Reserve®. The card is now back to its regular 60k offer.
Chase Sapphire Reserve® highlights
- 5x total points on flights and 10x total points on hotel stays purchased through Chase Travel℠
- 3x on dining, including eligible takeout and delivery services.
- 3x on other travel purchases.
- 1x points on other purchases.
- Best-in-class travel insurance protections including primary auto rental collision damage waiver and trip delay protection. Purchase protection. Extended warranty protection.
- Get 50% more value when you redeem points for travel through Chase Travel℠ or transfer points to partners.
Learn how to apply.
Annual fee: annual_fees
Chase Sapphire Reserve® sign-up bonus
bonus_miles_full
Business as usual welcome bonus.
More about this card
Benefit highlights:
$300 annual travel credit.
Complimentary airport lounge access.
Best-in-class travel insurance protections.
No foreign transaction fees.
Purchase protection.
Return protection.
Extended warranty.
Rewards:
10x on hotel stays purchased through Chase Travel℠
5x on flights purchased through Chase Travel℠
3x at restaurants, including eligible takeout and delivery services.
3x on other travel, worldwide.
1x on other purchases
Rewards are earned as Ultimate Rewards® points.
Learn more:
Learn more about Chase Ultimate Rewards®.
See the best Ultimate Rewards welcome bonuses.
Chase Freedom Flex℠ welcome bonus: $200 after $500 spent, plus 5% gas and grocery offer available in-branch.
The Chase Freedom Flex℠ currently offers an in-branch exclusive welcome bonus in addition to its standard welcome bonus of $200 after $500 spent within 3 months. If you apply in-branch, you’ll get this standard welcome bonus, plus a 5% gas and grocery offer where you can earn 5% on your first $12,000 of gas and grocery purchases in the first year you have the card. This 5% bonus stacks with the card’s rotating categories making it possible to get 9% cash back on gas and groceries when gas or groceries is a quarterly cash back bonus category.
Chase Freedom Flex℠ online welcome bonus: $200 after $500 in spending
Only apply for this welcome bonus online if you cannot easily get to a Chase branch. The current in-branch exclusive offer on the Chase Freedom Flex is much better.
Chase Freedom Flex℠ welcome bonus:
Before you apply through the link below, be sure to see our coverage of the best welcome bonus on this card. There may be a better offer in-branch.
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
Click here to learn more and apply for the Chase Freedom Flex℠.
Our take on the welcome bonus: $200 after $500 is the standard welcome bonus on this card.
The link above is a referral link. Someone on our team may earn points if you apply and are approved to the link above. We always show you the best offer, and this is the best offer we know about on this card.
Chase Freedom Flex℠ at a glance:
Annual fee: $0
Rewards: 5% in rotating categories (up to $1,500 in combined purchases per quarter). 5% travel through Chase. 3% dining. 3% drugstores. 1% other purchases.
Benefits: Extended warranty. Purchase protection. Cell phone protection.
Chase Freedom Unlimited®: Three welcome bonuses to choose from.
The Chase Freedom Unlimited® currently offers three welcome bonus to choose from. And depending on how you plan to use the card and your proximity to a Chase branch, any one of these bonuses could be the best for you:
- An in-branch exclusive offer: 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.
- Online referral offer: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
- Online affiliate offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back.
In our view, the in-branch exclusive offer is by far the best bonus of the three. You can find more details on the in-branch offer of the Chase Freedom Unlimited in our coverage of the welcome bonuses on the Freedom Unlimited.
If you’re applying online, the referral offer will offer you the best return on the first $500 of your spending, but you can earn more cash back overall with the affiliate offer. Here are the details of the online offers:
Chase Freedom Unlimited affiliate offer: 1.5% extra cash back on your first $20,000 of spending in a year
Chase Freedom Unlimited® offer: Extra 1.5% cash back on $20,000 spent in the first year. (Annual fee: $0)
bonus_miles_full (Get this welcome bonus.)
Better than the $200 after $500 bonus once you spend $13,334 in your first year. Rewards are earned as Chase Ultimate Rewards® points
5% on travel purchased through Chase Travel℠. 3% at drugstores and on dining. 1.5% on other purchases. (More in our card review.)
This is an affiliate link.
Chase Freedom Unlimited referral offer: $200 back after spending $500
Chase Freedom Unlimited® friend referral offer: Earn $200 after spending $500 in 3 months. (Annual fee: $0)
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. (Get this welcome bonus.)
More efficient than the current affiliate bonus for rewards on spending. Rewards are earned as Chase Ultimate Rewards® points
5% on travel purchased through Chase Travel℠. 3% at drugstores and on dining. 1.5% on other purchases. (More in our card review.)
This is a referral link. All information about the Chase Freedom Unlimited® has been collected independently by cardsandpoints.com.
Chase Ink Business Preferred® Credit Card: Largest 120k point offer ever
The Ink Business Preferred® Credit Card offers the largest amount of Ultimate Rewards® points you can get from a single welcome bonus. You get 120,000 Ultimate Rewards® points after you spend $8,000 on purchases in the first 3 months from account opening.
Ink Business Preferred® Credit Card highlights
- 3x points on the first $150,000 spent in combined purchases on shopping, advertising purchases made with social media sites and search engines, internet, cable and phone services, and travel.
- 1x points on other purchases.
- Primary auto rental collision damage waiver when renting for business. Purchase protection. Extended warranty protection. Cell phone protection.
- Get 25% more value when you redeem points for travel through Chase Travel℠ or transfer points to partners.
Learn how to apply.
Annual fee: annual_fees
Ink Business Preferred® Credit Card sign-up bonus
bonus_miles_full
This the largest Chase Ultimate Rewards® welcome bonus available on a single card. The card is a great choice for small business owners who travel.
More about this card
Benefit highlights:
Trip cancellation/trip interruption insurance.
Cell phone protection.
Roadside dispatch.
Purchase protection.
Auto rental collision damage waiver.
Extended warranty protection.
Transfers to travel partners.
Redeem points for 25% more value through Chase Travel℠.
Rewards:
3x on the first $150,000 spent in combined purchases each year
– Travel.
– Internet, cable and phone services.
– Shipping
– Advertising purchases made with social media sites and search engines
1x on other eligible purchases.
Rewards are earned as Chase Ultimate Rewards®.
Learn more:
Learn more about Chase Ultimate Rewards® or find the best Ultimate Rewards welcome bonuses.
Ink Business Unlimited® Credit Card: 1.5% cash back everywhere
The Ink Business Unlimited® Credit Card offers $750 cash back after you spend $6,000 on the card within 3 months. The Ink Business Unlimited is a great card to have for flat-rate cash back, but the Ink Business Cash® Credit Card offers a bonus that is easier to earn and is potentially much more valuable thanks to a 10% relationship bonus, which the Ink Business Unlimited lacks.
Ink Business Unlimited® Credit Card highlights
- 1.5% cash back on every purchase.
- Primary auto rental collision damage waiver when renting for business. Purchase protection. Extended warranty protection.
Here are the details of the Ink Business Unlimited welcome bonus:
Learn how to apply.
Annual fee: annual_fees
Ink Business Unlimited® Credit Card sign-up bonus
bonus_miles_full
One of the best welcome bonuses available on a card with no annual fee.
More about this card
Benefit highlights:
Primary auto rental collision damage waiver when renting for business.
Baggage delay insurance.
Lost luggage reimbursement.
Travel accident insurance.
Travel and emergency assistance services.
Roadside dispatch.
Purchase protection.
Extended warranty protection.
Rewards:
5% on Lyft rides through March 2025.
1.5% on all other purchases.
Rewards are marketed as cash back but earned as Ultimate Rewards® points.
Learn more:
Learn more about this card in our guide to the Ink Business Unlimited.
Read more about how to use Ultimate Rewards® points in our complete guide.
Ink Business Cash® Credit Card: 5% rewards on office supplies
The Ink Business Cash® Credit Card recently made its welcome offer easier to earn. You now earn $350 after spending $3,000 on purchases within 3 months and an additional $400 after spending $6,000 in the first 6 months you have the card. You can also get a 10% business relationship bonus if you have a Chase Business Checking Account.
Ink Business Cash® Credit Card highlights
- 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary.
- 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
- 1% back on other purchases.
- Primary auto rental collision damage waiver when renting for business. Purchase protection. Extended warranty protection
Learn more about Chase Ultimate Rewards® or read our review of the Ink Business Cash® Credit Card.
Learn how to apply.
Annual fee: annual_fees
Ink Business Cash® Credit Card sign-up bonus
bonus_miles_full
In addition to the bonus, you can get a 10% bonus of all eligible cash back earned in your first year if you also have a Chase Business Checking account. Offer is only available for Ink Business Cash cards opened between March and November 2024.
This is the easiest Chase Ink sign-up bonus to earn.
More about this card
Benefit highlights:
Primary auto rental collision damage waiver when renting for business.
Baggage delay insurance.
Lost luggage reimbursement.
Travel accident insurance.
Travel and emergency assistance services.
Roadside dispatch.
Purchase protection.
Extended warranty protection.
Rewards:
5% on Lyft rides through March 2025.
5% on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year.
2% on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
1% on all other purchases.
Rewards are marketed as cash back but earned as Ultimate Rewards® points.
Learn more:
Learn more about this card in our guide to the Ink Business Cash.
Read more about how to use Ultimate Rewards® points in our complete guide.
Additional pointers on Chase Ultimate Rewards® credit cards
A few notes on applying for Chase cards
- 5/24 rule. Chase generally won’t approve you if your credit report is showing 5 or more new credit card accounts opened in the last 24 months. This rule is knows as the 5/24 rule. If you’re unsure if you are “under 5/24” you should check your 5/24 status before applying for a Chase card. Note that recently this rule seems to have softened, especially for Ink cards. See our coverage about Chase 5/24 for more.
- Only one Sapphire-branded card. You can only hold one Chase Sapphire-branded card at a time. This means you can have either a Chase Sapphire Preferred® Card or a Chase Sapphire Reserve®, but not both.
- You can get a welcome bonus on a Chase card, even if you’ve had the card previously. How often you can earn a welcome bonus on a Chase card varies by card family.
- Most cards allow you to earn a welcome bonus if it has been at least 24 months since your last received a welcome bonus on the same card.
- Chase Sapphire-branded cards, such as the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®, you can only earn a welcome bonus once every 48 months. (We published a separate article to help you determine if you can get a Sapphire welcome bonus.)
- Marriott cards have their own special rules.
- Chase will match an increased bonus. If you apply for a Chase card and the bank offers a higher bonus within 90 days, you can send Chase a secure message or call them to have your welcome offer matched.
- In-branch offers are sometimes better. Chase sometimes has better credit card welcome offers in-branch than it will publish on its own website or through affiliate networks. Check all channels to make sure you’re getting the best bonus.
- Chase business cards do not report to personal credit reports and do not impact your 5/24 status as long as they are current.
Frequently asked questions
Can I apply for both the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve®?
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.
Can I apply for the higher Chase Sapphire Preferred® Card card welcome bonus and then product change to the Chase Sapphire Reserve®?
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.
How do I get the no-annual-fee Chase Sapphire 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.
