With most of the finest bank cards available on the market, incomes a profitable welcome bonus is a fast technique to obtain a whole lot of worth. These playing cards from Chase are not any exception.
It is vital to know, nonetheless, that welcome affords usually change.
As an instance you are contemplating including a brand new Chase card to your pockets. When is the most effective time to use so you possibly can earn the most effective supply? We have you lined.
Earlier than we get into issues, there are some vital modifications relating to welcome bonus eligibility on Chase’s private Sapphire playing cards: the Chase Sapphire Most well-liked® Card and Chase Sapphire Reserve®.
Beginning on June 23, 2025, it is possible for you to to have each the Sapphire playing cards, however bonus eligibility can be based mostly on a number of components. These embody beforehand earned bonus affords and the variety of playing cards you have opened and closed, amongst different concerns, a consultant for Chase confirmed to TPG.
Learn on to be taught extra in regards to the welcome supply historical past throughout Chase’s suite of bank cards, incomes each money again and Chase Final Rewards factors.
Greatest Chase bank card welcome bonuses
Under are a few of the most common Chase bank cards, together with their highest-ever affords and our suggestions for when to use.
Observe that these are all publicly accessible affords; some particular person, focused bonuses could also be larger than what we have discovered. As well as, a few of these affords might not be accessible.
Additionally, take into account that Chase components in its 5/24 rule once you apply. Different components can dictate whether or not or not you are eligible for a Chase welcome bonus, so it is value contemplating your present pockets setup and cross-checking with the phrases of whichever card you determine to use for.
Every day Publication
Reward your inbox with the TPG Every day publication
Be part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
| Card | Greatest welcome supply we have seen | When to use |
|---|---|---|
| Chase Freedom Flex® | Earn $200 again after spending $500 on purchases within the first three months from account opening, plus earn 5% again on grocery retailer purchases (not together with Goal or Walmart), on as much as $12,000 spent through the first yr. | When the supply has $200 again, plus a 5% cash-back bonus class through the first yr from account opening. |
| Chase Freedom Limitless® | Relying on an individual’s spending habits, the most effective supply is both:
Earn limitless double money again for the primary 12 months from account opening. or Earn a $200 bonus after spending $500 on purchases within the first three months from account opening, plus earn 5% again on grocery retailer purchases (not together with Goal or Walmart) through the first yr (on as much as $12,000 spent on these purchases). |
When the supply is a minimum of a $200 bonus and a bonus class for additional earnings through the first yr, or when double money again is obtainable. |
| Chase Sapphire Most well-liked Card | Earn 100,000 bonus factors after spending $5,000 within the first three months from account opening. | When the supply is greater than 60,000 bonus factors. |
| Chase Sapphire Reserve | Earn 100,000 bonus factors plus a $500 Chase Journey℠ promo credit score after spending $5,000 on purchases within the first three months from account opening. | When the supply is greater than 60,000 bonus factors. |
| Ink Enterprise Money® Credit score Card | Earn a $900 money bonus after spending $6,000 on purchases inside three months from account opening. | When the supply is at or above $750 money. |
| Ink Enterprise Preferred® Credit score Card | Earn 120,000 bonus factors after spending $8,000 on purchases within the first three months from account opening. | When the supply is above 100,000 factors. |
| Ink Enterprise Premier® Credit score Card | Earn a $1,000 money bonus after spending $10,000 on purchases within the first three months from account opening. | That is the one publicly accessible supply we have seen within the card’s historical past. |
| Ink Enterprise Limitless® Credit score Card | Earn a $900 money bonus after spending $6,000 on purchases inside three months from account opening. | When the supply is at or above $750 money again. |
Chase Freedom Flex
In case you have a card that earns Final Rewards factors, the money again you earn on the Freedom Flex (and any Chase cash-back card, except the Ink Enterprise Premier, which does not mix rewards with some other Chase card) could be changed into Final Rewards factors.
Listed here are the latest affords we have now seen on the Freedom Flex:
Welcome supply historical past
| Approximate date | Provide | Worth |
|---|---|---|
| April 2023 to now | Earn $200 again after spending $500 within the first three months from account opening. | $200 |
| October 2022 to March 2023 | Earn $200 again after spending $500 within the first three months from account opening, plus earn 5% again on grocery purchases (not together with Goal or Walmart), on as much as $12,000 spent through the first yr. | $200 plus as much as $600 on grocery purchases |
| July 2021 to October 2022 | Earn $200 again after spending $500 on purchases within the first three months from account opening, plus earn 5% again on gasoline station purchases, on as much as $6,000 spent through the first yr. | $200 plus as much as $300 on gasoline purchases |
Highest welcome supply
With the very best welcome supply we have seen, new cardholders may earn $200 again after spending $500 on purchases within the first three months from account opening, plus earn 5% again on grocery retailer purchases (not together with Goal or Walmart), on as much as $12,000 spent through the first yr.
When to use
We advise making use of for this card when the bonus affords $200 again, plus a 5% cash-back bonus class through the first yr from account opening.
Be taught extra: Chase Freedom Flex
Chase Freedom Limitless
The Freedom Limitless’s bonus supply has matched the supply on the Freedom Flex up to now, however they are not at all times similar. So, it is value evaluating the 2 when you determine to use.
Listed here are the latest affords we have now seen on the Freedom Limitless:
Welcome supply historical past
| Approximate date | Provide | Worth |
|---|---|---|
| Might 2025 to now | Earn $200 money again after spending $500 on purchases within the first three months from account opening. | $200 |
| March 2025 to Might 2025 | Earn $250 money again after spending $500 on purchases within the first three months from account opening. | $250 |
| January 2024 to March 2025 | Earn an additional 1.5% money again on all purchases through the first yr (on as much as $20,000 of purchases) — value as much as $300 money again. | As much as $300 |
| October 2023 to January 2024 | Earn limitless double money again for the primary 12 months from account opening. | Worth depends upon the money again earned within the 12-month interval |
| December 2022 to October 2023 | Earn an additional 1.5% money again on all purchases through the first yr (on as much as $20,000 of purchases) — value as much as $300 money again. | As much as $300 |
| October 2022 to December 2022 | Earn $200 again after spending $500 within the first three months from account opening, plus earn 5% again on grocery purchases (not together with Goal or Walmart), on as much as $12,000 spent through the first yr. | $200 plus as much as $600 from grocery retailer purchases |
| July 2021 to October 2022 | Earn $200 again after spending $500 on purchases within the first three months from account opening, plus earn 5% again on gasoline station purchases, on as much as $6,000 spent through the first yr. | $200 plus as much as $300 from gasoline station purchases |
Highest welcome supply
This card has supplied two welcome bonuses that may very well be thought-about the very best, and it depends upon what you prioritize.
One bonus supplied limitless double money again for the primary 12 months from account opening. The opposite supplied a $200 bonus after spending $500 on purchases within the first three months from account opening, plus 5% again on grocery retailer purchases (not together with Goal or Walmart) through the first yr (on as much as $12,000 of those purchases).
When to use
This card may very well be value making use of for when the bonus is a minimum of $200 with a bonus class for additional earnings through the first yr, or when it affords double money again for the primary yr.
Be taught extra: Chase Freedom Limitless
Chase Sapphire Most well-liked Card
With the brand new welcome bonus eligibility modifications for the Sapphire playing cards, you will not be capable of earn the Sapphire Most well-liked’s bonus when you already maintain the Sapphire Reserve.
Listed here are the latest affords we have now seen on the Sapphire Most well-liked:
Welcome supply historical past
| Approximate date | Provide | Worth* |
|---|---|---|
| June 2025 to now | Earn 75,000 bonus factors after spending $5,000 within the first three months from account opening. | $1,538 |
| Might 2025 to June 2025 | Earn 60,000 bonus factors after spending $5,000 within the first three months from account opening. | $1,230 |
| April 2025 to Might 2025 | Earn 100,000 bonus factors after spending $5,000 within the first three months from account opening. | $2,050 |
| November 2024 to April 2025 | Earn 60,000 bonus factors after spending $4,000 on purchases within the first three months from account opening. | $1,230 |
| October 2024 to November 2024 | Earn 60,000 bonus factors after spending $4,000 on purchases within the first three months from account opening, plus as much as a $300 assertion credit score on Chase Journey purchases throughout the first yr. | $1,530 |
| June 2024 to October 2024 | Earn 60,000 bonus factors after spending $4,000 on purchases within the first three months from account opening. | $1,230 |
| Might 2024 to June 2024 | Earn 75,000 bonus factors after spending $4,000 on purchases within the first three months from account opening. | $1,538 |
| Might 2023 to Might 2024 | Earn 60,000 bonus factors after spending $4,000 on purchases within the first three months from account opening. | $1,230 |
| April 2023 to Might 2023 | Earn 80,000 bonus factors after spending $4,000 on purchases within the first three months from account opening. | $1,640 |
| March 2023 to Might 2023 (in-branch solely) | In-branch solely: Earn 80,000 bonus factors after spending $4,000 within the first three months from account opening. Plus, earn a further 10,000 bonus factors after spending $6,000 whole on purchases made within the first six months. | $1,845 |
| June 2022 to March 2023 | Earn 60,000 bonus factors after spending $4,000 within the first three months from account opening. | $1,230 |
| April 2022 to Might 2022 | Earn 80,000 bonus factors after spending $4,000 on purchases within the first three months from account opening. | $1,640 |
| October 2021 to April 2022 | Earn 60,000 bonus factors after spending $4,000 within the first three months from account opening. | $1,230 |
*Bonus supply worth relies on TPG’s June 2025 valuations and isn’t supplied by the bank card issuer.
Highest welcome supply
The most effective supply within the Sapphire Most well-liked’s historical past gave new cardholders the prospect to earn 100,000 factors after spending $5,000 within the first three months from account opening.
When to use
The most effective time to use for the Sapphire Most well-liked is any time the bonus comes with greater than 75,000 factors, which is its commonplace supply.
Be taught extra: Chase Sapphire Most well-liked
Chase Sapphire Reserve
The cardboard additionally relaunched with a high-value welcome supply, together with 100,000 bonus factors and a $500 Chase Journey credit score (after spending $5,000 within the first three months of account opening). Remember to notice that those that already maintain the Sapphire Most well-liked will not be capable of earn the welcome bonus on the Sapphire Reserve, given the brand new welcome bonus eligibility guidelines.
Listed here are the latest affords we have now seen on the Sapphire Reserve:
Welcome supply historical past
| Approximate date | Provide | Worth* |
|---|---|---|
| June 2025 to now | Earn 100,000 bonus factors plus a $500 Chase Journey promo credit score after spending $5,000 within the first three months from account opening.
|
$2,550 (together with the $500 Chase Journey credit score) |
| June 2024 to June 2025 | Earn 60,000 bonus factors after spending $5,000 within the first three months from account opening. | $1,230 |
| Might 2024 to June 2024 | Earn 75,000 bonus factors after spending $4,000 within the first three months from account opening. | $1,538 |
| February 2023 to Might 2024 | Earn 60,000 bonus factors after spending $4,000 within the first three months from account opening. | $1,230 |
| October 2022 to January 2023 | Earn 80,000 bonus factors after spending $4,000 within the first three months from account opening. | $1,640 |
| June 2022 to October 2022 | Earn 60,000 bonus factors after spending $4,000 within the first three months from account opening. | $1,230 |
| October 2021 to June 2022 | Earn 50,000 bonus factors after spending $4,000 within the first three months from account opening. | $1,025 |
*Bonus supply worth relies on TPG’s June 2025 valuations and isn’t supplied by the bank card issuer.
Highest welcome supply
The present supply on the just lately refreshed Sapphire Reserve permits new cardholders to earn 100,000 bonus factors plus a $500 Chase Journey promo credit score after spending $5,000 on purchases within the first three months from account opening.
The addition of the $500 credit score makes this supply the most effective ever, so it is a good time to use when you’ve by no means earned the welcome bonus on this card earlier than.
When to use
It is good to use for this card any time it is providing greater than 60,000 factors as a bonus.
Be taught extra: Chase Sapphire Reserve
Ink Enterprise Money Credit score Card
Listed here are the latest affords we have now seen on the Ink Enterprise Money:
Welcome supply historical past
| Approximate date | Provide | Worth |
|---|---|---|
| March 2024 to now | Earn as much as $750: $350 after spending $3,000 within the first three months from account opening and a further $400 after spending $6,000 within the first six months from account opening. | As much as $750 |
| January 2024 to March 2024 | Earn a $750 money bonus after spending $6,000 on purchases inside three months from account opening. | $750 |
| September 2023 to January 2024 | Earn a $900 money bonus after spending $6,000 on purchases inside three months from account opening. | $900 |
| March 2023 to September 2023 | Earn a $750 money bonus after spending $6,000 on purchases inside three months from account opening. | $750 |
| October 2022 to March 2023 | Earn a $900 money bonus after spending $6,000 on purchases inside three months from account opening. | $900 |
| December 2020 to October 2022 | Earn a $750 money bonus after spending $7,500 on purchases inside three months from account opening. | $750 |
Highest welcome supply
The most effective bonus on the Ink Enterprise Money supplied a $900 money bonus after $6,000 in spending on purchases throughout the first three months from account opening.
When to use
We suggest making use of for the Ink Enterprise Money when the bonus is $750 or larger.
Be taught extra: Ink Enterprise Money Credit score Card
Ink Enterprise Most well-liked Credit score Card
Small-business house owners who’re Chase Final Rewards factors lovers may discover their excellent match within the Ink Enterprise Most well-liked Credit score Card. For a $95 annual payment, you possibly can gather Chase factors throughout a number of bonus classes.
Listed here are the latest affords we have now seen on the Ink Enterprise Most well-liked:
Welcome supply historical past
| Approximate date | Provide | Worth* |
|---|---|---|
| September 2024 to now | Earn 90,000 bonus factors after spending $8,000 within the first three months from account opening. | $1,845 |
| July 2024 to September 2024 | Earn 120,000 bonus factors after spending $8,000 within the first three months from account opening. | $2,460 |
| June 2023 to July 2024 | Earn 100,000 bonus factors after spending $8,000 within the first three months from account opening. | $2,050 |
| April 2020 to June 2023 | Earn 100,000 bonus factors after spending $15,000 within the first three months from account opening. | $2,050 |
*Bonus supply worth relies on TPG’s June 2025 valuations and isn’t supplied by the bank card issuer.
Highest welcome supply
The very best supply we have seen within the Ink Enterprise Most well-liked’s historical past gave new cardholders the chance to earn 120,000 bonus factors after spending $8,000 on purchases within the first three months from account opening.
When to use
The most effective time to use for the Ink Enterprise Most well-liked is any time the welcome bonus is above 100,000 factors.
Be taught extra: Ink Enterprise Most well-liked Credit score Card
Ink Enterprise Premier Credit score Card
The one supply we have seen on this card permits new cardholders the prospect to earn a $1,000 money bonus after spending $10,000 on purchases within the first three months from account opening.
Highest welcome supply
This card’s welcome supply has remained regular since its launch, so the very best supply is the present supply of $1,000 money again after spending $10,000 within the first three months of account opening.
When to use
If the Ink Enterprise Premier ever runs a limited-time supply above its typical $1,000 (the one supply we have seen in its historical past), you must positively apply. That mentioned, do not maintain your breath ready for a better supply.
Be taught extra: Ink Enterprise Premier Credit score Card
Ink Enterprise Limitless Credit score Card
For enterprise house owners in search of a flat-rate cash-back card, the no-annual-fee Ink Enterprise Limitless is an efficient possibility to contemplate.
Listed here are the latest affords we have now seen on the Ink Enterprise Limitless:
Welcome supply historical past
| Approximate date | Provide | Worth |
|---|---|---|
| November 2024 to now | Earn $750 money again after spending $6,000 on purchases inside three months from account opening. | $750 |
| September 2024 to November 2024 | Earn a $900 money bonus after spending $6,000 on purchases inside three months from account opening. | $900 |
| January 2024 to September 2024 | Earn a $750 money bonus after spending $6,000 on purchases inside three months from account opening. | $750 |
| September 2023 to January 2024 | Earn a $900 money bonus after spending $6,000 on purchases inside three months from account opening. | $900 |
| March 2023 to September 2023 | Earn a $750 money bonus after spending $6,000 on purchases inside three months from account opening. | $750 |
| October 2022 to March 2023 | Earn a $900 money bonus after spending $6,000 on purchases inside three months from account opening. | $900 |
| December 2020 to October 2022 | Earn a $750 money bonus after spending $7,500 on purchases inside three months from account opening. | $750 |
Highest welcome supply
We have beforehand seen the Ink Enterprise Limitless supply new cardholders the prospect to earn a $900 money bonus after spending $6,000 on purchases inside three months from account opening.
When to use
It is a good time to use when the bonus is providing $750 or additional cash again.
Be taught extra: Ink Enterprise Limitless Credit score Card
Hyatt Chase playing cards
Chase is the issuer of the one two Hyatt cobranded playing cards available on the market — one private card and one enterprise card. These two playing cards will often supply elevated welcome bonuses.
Should you’re all in favour of considered one of Chase’s Hyatt playing cards, try our information to the supply historical past on the World of Hyatt playing cards that can assist you determine when to use.
IHG Chase playing cards
IHG loyalists have three card choices, all cobranded with Chase. Two of the playing cards are private playing cards, and there is one possibility for enterprise house owners.
Should you’re all in favour of considered one of Chase’s IHG playing cards, see our supply historical past information for IHG playing cards that can assist you make your resolution.
Southwest Chase playing cards
All Southwest Airways bank cards are cobranded with Chase, which points three private choices and two enterprise playing cards for Southwest loyalists. These playing cards will obtain new welcome affords considerably continuously.
Should you’re all in favour of considered one of Chase’s Southwest playing cards, our information to the supply historical past of Southwest playing cards might help you select a time to use.
United Chase playing cards
Chase points all United Airways bank cards, which frequently function stable bonuses for frequent flyers. The Chase-United suite consists of 4 private card choices and two enterprise playing cards.
Should you’re all in favour of considered one of Chase’s United playing cards, see our information to the United playing cards’ supply historical past to determine when to use.
Backside line
Welcome bonuses usually fluctuate, so when you’re all in favour of making use of for a brand new card, it is value testing its supply historical past and evaluating it to the current supply.
Since a lot of a card’s worth is discovered within the welcome supply, you might discover that the most effective technique is to carry off till a profitable limited-time bonus seems so you possibly can earn a swath of bonus factors or money again.
For extra info on bank card bonus affords over time, see the next:
