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The best Chase Ultimate Rewards® sign-up bonuses: Earn up to 90,000 points

November 25, 2024: Chase has changed up the bonus offers on the Chase Freedom Unlimited card. We’ve updated our coverage to reflect this.

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.

Ink Business Unlimited® Credit Card card art
Ink Business Unlimited® Credit Card

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.

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

Chase Sapphire Preferred® Card card art
Chase Sapphire Preferred® Card

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 Sapphire Reserve® bonus

Chase Sapphire Reserve® card art
Chase Sapphire Reserve®

Annual fee: annual_fees

Best sign-up bonus: bonus_miles_full

Learn how to apply.

This bonus is earned as Chase Ultimate Rewards® points.

Chase Freedom Unlimited® bonuses

Chase Freedom Unlimited® card art
Chase Freedom Unlimited®

Annual fee: annual_fees

Online affiliate offer: bonus_miles_full

Learn how to apply for the “extra 1.5%” offer being promoted through affiliate channels.

Direct and referral offer: As of November 25, 2024, referral links are showing the following offer: Earn a $250 bonus after you spend $500 on purchases in the first 3 months from account opening.

Here’s a referral link from one of our newsletter subscribers where you can learn more and apply for this offer.

You’ll earn more points with the “extra 1.5%” offer if you spend more than about $17,000 on the card in your first year.

Chase Freedom Flex bonuses

Chase Freedom Flex® card art
Chase Freedom Flex®

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

Ink Business Unlimited® Credit Card card art
Ink Business Unlimited® Credit Card

Annual fee: annual_fees

Best bonus online: bonus_miles_full

Learn how to apply.

This welcome bonus is marketed as cash back, but earned as Ultimate Rewards® points.

Ink Business Cash® Credit Card bonus

Ink Business Cash® Credit Card card art
Ink Business Cash® Credit Card

Annual fee: annual_fees

Best bonus online: bonus_miles_full

Learn how to apply.

This welcome bonus is marketed as cash back, but earned as Ultimate Rewards® points.

Ink Business Preferred® Credit Card bonus

Ink Business Preferred® Credit Card card art
Ink Business Preferred® Credit Card

Annual fee: annual_fees

Best bonus online: 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.

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.

About the author

  • Photo of Aaron Hurd, credit card and travel rewards expert.

    Aaron Hurd is a credit card, travel rewards, and loyalty program expert. Over the past 15 years, he has authored over a thousand expert contributions published by leading outlets including WSJ, TIME, Newsweek, Forbes, NerdWallet, The Points Guy, Bankrate, CNET, and many others. He has also served in consulting roles for many of these same outlets, designing content strategy, hiring teams of teams of editors and contributors, developing thought-leadership pieces, and ghost-editing for senior editors. Aaron is well-known in the miles and points community and regularly presents about travel rewards at conferences like the Chicago Seminars and Minnebar. Aaron has enjoyed the game of optimizing credit card rewards since getting his first credit card shortly after he turned 18. He started learning about credit cards and travel rewards from the (now defunct) FatWallet Finance forums and FlyerTalk. He holds more than 40 open credit cards and has first-hand experience with almost every major credit card product.

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