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With many of the best credit cards on the market, earning a lucrative welcome bonus is a quick way to receive a lot of value. These cards from Chase are no exception.
It’s important to know, however, that welcome offers often change.
Let’s say you’re considering adding a new Chase card to your wallet. When is the best time to apply so you can earn the best offer? We’ve got you covered.
Before we get into things, there are some important changes regarding welcome bonus eligibility on Chase’s personal Sapphire cards: the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®.
Starting on June 23, 2025, you will be able to have both the Sapphire cards, but bonus eligibility will be based on several factors. These include previously earned bonus offers and the number of cards you’ve opened and closed, among other considerations, a representative for Chase confirmed to TPG.
Read on to learn more about the welcome offer history across Chase’s suite of credit cards, earning both cash back and Chase Ultimate Rewards points.
Best Chase credit card welcome bonuses
Below are some of the most popular Chase credit cards, along with their highest-ever offers and our recommendations for when to apply.
Note that these are all publicly available offers; some individual, targeted bonuses may be higher than what we’ve found. In addition, some of these offers may no longer be available.
Also, keep in mind that Chase factors in its 5/24 rule when you apply. Other factors can dictate whether or not you’re eligible for a Chase welcome bonus, so it’s worth considering your current wallet setup and cross-checking with the terms of whichever card you decide to apply for.
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| Card | Best welcome offer we’ve seen | When to apply |
|---|---|---|
| Chase Freedom Flex® | Earn $200 back after spending $500 on purchases in the first three months from account opening, plus earn 5% back on grocery store purchases (not including Target or Walmart), on up to $12,000 spent during the first year. | When the offer has $200 back, plus a 5% cash-back bonus category during the first year from account opening. |
| Chase Freedom Unlimited® | Depending on a person’s spending habits, the best offer is either:
Earn unlimited double cash back for the first 12 months from account opening. or Earn a $200 bonus after spending $500 on purchases in the first three months from account opening, plus earn 5% back on grocery store purchases (not including Target or Walmart) during the first year (on up to $12,000 spent on these purchases). |
When the offer is at least a $200 bonus and a bonus category for extra earnings during the first year, or when double cash back is offered. |
| Chase Sapphire Preferred Card | Earn 100,000 bonus points after spending $5,000 in the first three months from account opening. | When the offer is more than 60,000 bonus points. |
| Chase Sapphire Reserve | Earn 100,000 bonus points plus a $500 Chase Travelâ„ Â promo credit after spending $5,000 on purchases in the first three months from account opening. | When the offer is more than 60,000 bonus points. |
| Ink Business Cash® Credit Card | Earn a $900 cash bonus after spending $6,000 on purchases within three months from account opening. | When the offer is at or above $750 cash. |
| Ink Business Preferred® Credit Card | Earn 120,000 bonus points after spending $8,000 on purchases in the first three months from account opening. | When the offer is above 100,000 points. |
| Ink Business Premier® Credit Card | Earn a $1,000 cash bonus after spending $10,000 on purchases in the first three months from account opening. | This is the only publicly available offer we’ve seen in the card’s history. |
| Ink Business Unlimited® Credit Card | Earn a $900 cash bonus after spending $6,000 on purchases within three months from account opening. | When the offer is at or above $750 cash back. |
Chase Freedom Flex
The Chase Freedom Flex is a solid, no-annual-fee, cash-back option for cardholders who want to maximize rotating quarterly bonus categories (on up to $1,500 in combined spending each quarter; activation is required each quarter).
If you have a card that earns Ultimate Rewards points, the cash back you earn on the Freedom Flex (and any Chase cash-back card, with the exception of the Ink Business Premier, which doesn’t combine rewards with any other Chase card) can be turned into Ultimate Rewards points.
Here are the recent offers we have seen on the Freedom Flex:
Welcome offer history
| Approximate date | Offer | Value |
|---|---|---|
| April 2023 to now | Earn $200 back after spending $500 in the first three months from account opening. | $200 |
| October 2022 to March 2023 | Earn $200 back after spending $500 in the first three months from account opening, plus earn 5% back on grocery purchases (not including Target or Walmart), on up to $12,000 spent during the first year. | $200 plus up to $600 on grocery purchases |
| July 2021 to October 2022 | Earn $200 back after spending $500 on purchases in the first three months from account opening, plus earn 5% back on gas station purchases, on up to $6,000 spent during the first year. | $200 plus up to $300 on gas purchases |
Highest welcome offer
With the highest welcome offer we’ve seen, new cardholders could earn $200 back after spending $500 on purchases in the first three months from account opening, plus earn 5% back on grocery store purchases (not including Target or Walmart), on up to $12,000 spent during the first year.
When to apply
We suggest applying for this card when the bonus offers $200 back, plus a 5% cash-back bonus category during the first year from account opening.
Learn more: Chase Freedom Flex
Chase Freedom Unlimited
The Chase Freedom Unlimited offers a flat 1.5% cash back on most purchases, with simple bonus-earning categories for certain everyday purchases. The card doesn’t charge an annual fee.
The Freedom Unlimited’s bonus offer has matched the offer on the Freedom Flex in the past, but they aren’t always identical. So, it’s worth comparing the two if you decide to apply.
Here are the recent offers we have seen on the Freedom Unlimited:
Welcome offer history
| Approximate date | Offer | Value |
|---|---|---|
| May 2025 to now | Earn $200 cash back after spending $500 on purchases in the first three months from account opening. | $200 |
| March 2025 to May 2025 | Earn $250 cash back after spending $500 on purchases in the first three months from account opening. | $250 |
| January 2024 to March 2025 | Earn an extra 1.5% cash back on all purchases during the first year (on up to $20,000 of purchases) — worth up to $300 cash back. | Up to $300 |
| October 2023 to January 2024 | Earn unlimited double cash back for the first 12 months from account opening. | Value depends on the cash back earned in the 12-month period |
| December 2022 to October 2023 | Earn an extra 1.5% cash back on all purchases during the first year (on up to $20,000 of purchases) — worth up to $300 cash back. | Up to $300 |
| October 2022 to December 2022 | Earn $200 back after spending $500 in the first three months from account opening, plus earn 5% back on grocery purchases (not including Target or Walmart), on up to $12,000 spent during the first year. | $200 plus up to $600 from grocery store purchases |
| July 2021 to October 2022 | Earn $200 back after spending $500 on purchases in the first three months from account opening, plus earn 5% back on gas station purchases, on up to $6,000 spent during the first year. | $200 plus up to $300 from gas station purchases |
Highest welcome offer
This card has offered two welcome bonuses that could be considered the highest, and it depends on what you prioritize.
One bonus offered unlimited double cash back for the first 12 months from account opening. The other offered a $200 bonus after spending $500 on purchases in the first three months from account opening, plus 5% back on grocery store purchases (not including Target or Walmart) during the first year (on up to $12,000 of these purchases).
When to apply
This card could be worth applying for when the bonus is at least $200 with a bonus category for extra earnings during the first year, or when it offers double cash back for the first year.
Learn more: Chase Freedom Unlimited
Chase Sapphire Preferred Card
The Chase Sapphire Preferred Card is a solid entry-level travel rewards card for anyone ready to dive into the world of Chase Ultimate Rewards points. The card provides good value for many at a modest $95 annual fee.
With the new welcome bonus eligibility changes for the Sapphire cards, you won’t be able to earn the Sapphire Preferred’s bonus if you already hold the Sapphire Reserve.
Here are the recent offers we have seen on the Sapphire Preferred:
Welcome offer history
| Approximate date | Offer | Value* |
|---|---|---|
| June 2025 to now | Earn 75,000 bonus points after spending $5,000 in the first three months from account opening. | $1,538 |
| May 2025 to June 2025 | Earn 60,000 bonus points after spending $5,000 in the first three months from account opening. | $1,230 |
| April 2025 to May 2025 | Earn 100,000 bonus points after spending $5,000 in the first three months from account opening. | $2,050 |
| November 2024 to April 2025 | Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening. | $1,230 |
| October 2024 to November 2024 | Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening, plus up to a $300 statement credit on Chase Travel purchases within the first year. | $1,530 |
| June 2024 to October 2024 | Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening. | $1,230 |
| May 2024 to June 2024 | Earn 75,000 bonus points after spending $4,000 on purchases in the first three months from account opening. | $1,538 |
| May 2023 to May 2024 | Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening. | $1,230 |
| April 2023 to May 2023 | Earn 80,000 bonus points after spending $4,000 on purchases in the first three months from account opening. | $1,640 |
| March 2023 to May 2023 (in-branch only) | In-branch only: Earn 80,000 bonus points after spending $4,000 in the first three months from account opening. Plus, earn an additional 10,000 bonus points after spending $6,000 total on purchases made in the first six months. | $1,845 |
| June 2022 to March 2023 | Earn 60,000 bonus points after spending $4,000 in the first three months from account opening. | $1,230 |
| April 2022 to May 2022 | Earn 80,000 bonus points after spending $4,000 on purchases in the first three months from account opening. | $1,640 |
| October 2021 to April 2022 | Earn 60,000 bonus points after spending $4,000 in the first three months from account opening. | $1,230 |
*Bonus offer value is based on TPG’s June 2025 valuations and is not provided by the credit card issuer.
Highest welcome offer
The best offer in the Sapphire Preferred’s history gave new cardholders the chance to earn 100,000 points after spending $5,000 in the first three months from account opening.
When to apply
The best time to apply for the Sapphire Preferred is any time the bonus comes with more than 75,000 points, which is its standard offer.
Learn more: Chase Sapphire Preferred
Chase Sapphire Reserve
The premium Chase Sapphire Reserve recently underwent an overhaul that added a host of new benefits to its other perks. The card is a great option for Chase Sapphire Lounge access and elevated earning rates in multiple travel categories. It comes with a $795 annual fee.
The card also relaunched with a high-value welcome offer, including 100,000 bonus points and a $500 Chase Travel credit (after spending $5,000 in the first three months of account opening). Be sure to note that those who already hold the Sapphire Preferred won’t be able to earn the welcome bonus on the Sapphire Reserve, given the new welcome bonus eligibility rules.
Here are the recent offers we have seen on the Sapphire Reserve:
Welcome offer history
| Approximate date | Offer | Value* |
|---|---|---|
| June 2025 to now | Earn 100,000 bonus points plus a $500 Chase Travel promo credit after spending $5,000 in the first three months from account opening.
 |
$2,550 (including the $500 Chase Travel credit) |
| June 2024 to June 2025 | Earn 60,000 bonus points after spending $5,000 in the first three months from account opening. | $1,230 |
| May 2024 to June 2024 | Earn 75,000 bonus points after spending $4,000 in the first three months from account opening. | $1,538 |
| February 2023 to May 2024 | Earn 60,000 bonus points after spending $4,000 in the first three months from account opening. | $1,230 |
| October 2022 to January 2023 | Earn 80,000 bonus points after spending $4,000 in the first three months from account opening. | $1,640 |
| June 2022 to October 2022 | Earn 60,000 bonus points after spending $4,000 in the first three months from account opening. | $1,230 |
| October 2021 to June 2022 | Earn 50,000 bonus points after spending $4,000 in the first three months from account opening. | $1,025 |
*Bonus offer value is based on TPG’s June 2025 valuations and is not provided by the credit card issuer.
Highest welcome offer
The current offer on the recently refreshed Sapphire Reserve allows new cardholders to 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.
The addition of the $500 credit makes this offer the best ever, so it’s a great time to apply if you’ve never earned the welcome bonus on this card before.
When to apply
It’s good to apply for this card any time it’s offering more than 60,000 points as a bonus.
Learn more: Chase Sapphire Reserve
Ink Business Cash Credit Card
The Ink Business Cash earns bonus cash-back rewards for business owners in popular spending categories, such as office supply stores, internet, cable and phone services, for no annual fee.
Here are the recent offers we have seen on the Ink Business Cash:
Welcome offer history
| Approximate date | Offer | Value |
|---|---|---|
| March 2024 to now | Earn up to $750: $350 after spending $3,000 in the first three months from account opening and an additional $400 after spending $6,000 in the first six months from account opening. | Up to $750 |
| January 2024 to March 2024 | Earn a $750 cash bonus after spending $6,000 on purchases within three months from account opening. | $750 |
| September 2023 to January 2024 | Earn a $900 cash bonus after spending $6,000 on purchases within three months from account opening. | $900 |
| March 2023 to September 2023 | Earn a $750 cash bonus after spending $6,000 on purchases within three months from account opening. | $750 |
| October 2022 to March 2023 | Earn a $900 cash bonus after spending $6,000 on purchases within three months from account opening. | $900 |
| December 2020 to October 2022 | Earn a $750 cash bonus after spending $7,500 on purchases within three months from account opening. | $750 |
Highest welcome offer
The best bonus on the Ink Business Cash offered a $900 cash bonus after $6,000 in spending on purchases within the first three months from account opening.
When to apply
We recommend applying for the Ink Business Cash when the bonus is $750 or higher.
Learn more: Ink Business Cash Credit Card
Ink Business Preferred Credit Card
Small-business owners who are Chase Ultimate Rewards points enthusiasts could find their perfect match in the Ink Business Preferred Credit Card. For a $95 annual fee, you can collect Chase points across multiple bonus categories.
Here are the recent offers we have seen on the Ink Business Preferred:
Welcome offer history
| Approximate date | Offer | Value* |
|---|---|---|
| September 2024 to now | Earn 90,000 bonus points after spending $8,000 in the first three months from account opening. | $1,845 |
| July 2024 to September 2024 | Earn 120,000 bonus points after spending $8,000 in the first three months from account opening. | $2,460 |
| June 2023 to July 2024 | Earn 100,000 bonus points after spending $8,000 in the first three months from account opening. | $2,050 |
| April 2020 to June 2023 | Earn 100,000 bonus points after spending $15,000 in the first three months from account opening. | $2,050 |
*Bonus offer value is based on TPG’s June 2025 valuations and is not provided by the credit card issuer.
Highest welcome offer
The highest offer we’ve seen in the Ink Business Preferred’s history gave new cardholders the opportunity to earn 120,000 bonus points after spending $8,000 on purchases in the first three months from account opening.
When to apply
The best time to apply for the Ink Business Preferred is any time the welcome bonus is above 100,000 points.
Learn more: Ink Business Preferred Credit Card
Ink Business Premier Credit Card
The Ink Business Premier is Chase’s top-tier business cash-back card, offering an unlimited 2% cash back on business purchases on top of other bonus categories for a $195 annual fee.
The only offer we’ve seen on this card allows new cardholders the chance to earn a $1,000 cash bonus after spending $10,000 on purchases in the first three months from account opening.
Highest welcome offer
This card’s welcome offer has remained steady since its launch, so the highest offer is the current offer of $1,000 cash back after spending $10,000 in the first three months of account opening.
When to apply
If the Ink Business Premier ever runs a limited-time offer above its typical $1,000 (the only offer we’ve seen in its history), you should definitely apply. That said, don’t hold your breath waiting for a higher offer.
Learn more: Ink Business Premier Credit Card
Ink Business Unlimited Credit Card
For business owners seeking a flat-rate cash-back card, the no-annual-fee Ink Business Unlimited is a good option to consider.
Here are the recent offers we have seen on the Ink Business Unlimited:
Welcome offer history
| Approximate date | Offer | Value |
|---|---|---|
| November 2024 to now | Earn $750 cash back after spending $6,000 on purchases within three months from account opening. | $750 |
| September 2024 to November 2024 | Earn a $900 cash bonus after spending $6,000 on purchases within three months from account opening. | $900 |
| January 2024 to September 2024 | Earn a $750 cash bonus after spending $6,000 on purchases within three months from account opening. | $750 |
| September 2023 to January 2024 | Earn a $900 cash bonus after spending $6,000 on purchases within three months from account opening. | $900 |
| March 2023 to September 2023 | Earn a $750 cash bonus after spending $6,000 on purchases within three months from account opening. | $750 |
| October 2022 to March 2023 | Earn a $900 cash bonus after spending $6,000 on purchases within three months from account opening. | $900 |
| December 2020 to October 2022 | Earn a $750 cash bonus after spending $7,500 on purchases within three months from account opening. | $750 |
Highest welcome offer
We’ve previously seen the Ink Business Unlimited offer new cardholders the chance to earn a $900 cash bonus after spending $6,000 on purchases within three months from account opening.
When to apply
It’s a good time to apply when the bonus is offering $750 or more cash back.
Learn more: Ink Business Unlimited Credit Card
Hyatt Chase cards
Chase is the issuer of the only two Hyatt cobranded cards on the market — one personal card and one business card. These two cards will occasionally offer elevated welcome bonuses.
If you’re interested in one of Chase’s Hyatt cards, check out our guide to the offer history on the World of Hyatt cards to help you decide when to apply.
IHG Chase cards
IHG loyalists have three card options, all cobranded with Chase. Two of the cards are personal cards, and there’s one option for business owners.
If you’re interested in one of Chase’s IHG cards, see our offer history guide for IHG cards to help you make your decision.
Southwest Chase cards
All Southwest Airlines credit cards are cobranded with Chase, which issues three personal options and two business cards for Southwest loyalists. These cards will receive new welcome offers somewhat frequently.
If you’re interested in one of Chase’s Southwest cards, our guide to the offer history of Southwest cards can help you choose a time to apply.
United Chase cards
Chase issues all United Airlines credit cards, which often feature solid bonuses for frequent flyers. The Chase-United suite includes four personal card options and two business cards.
If you’re interested in one of Chase’s United cards, see our guide to the United cards’ offer history to decide when to apply.
Bottom line
Welcome bonuses often fluctuate, so if you’re interested in applying for a new card, it’s worth checking out its offer history and comparing it to the present offer.
Since so much of a card’s value is found in the welcome offer, you may find that the best strategy is to hold off until a lucrative limited-time bonus appears so you can earn a swath of bonus points or cash back.
For more information on credit card bonus offers over time, see the following:
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