With many of the best credit cards on the market, earning a generous 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 have you covered.
Read on to learn more about the welcome offer history across both Chase's cash-back cards and those earning Chase Ultimate Rewards points.
Best Chase credit card welcome bonusesBelow 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 the offers listed here. Additionally, 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.
Consider your current wallet setup and cross-check with the terms of whichever card you decide to apply for.
CardBest welcome offer we've seenWhen to apply<a target="_blank" href="https://thepointsguy.com/credit-cards/chase-freedom-flex/"><strong>Chase Freedom Flex®</strong></a>Earn a $200 bonus after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on grocery store purchases (not including Target or Walmart; on up to $12,000 spent on these purchases) during the first year.When the offer is at least a $200 bonus with a bonus category for extra earnings during the first year<a target="_blank" href="https://thepointsguy.com/credit-cards/chase-freedom-unlimited/"><strong>Chase Freedom Unlimited®</strong></a>Depending on your spending habits, the best offer is either: <p>Earn unlimited double cash back for the first 12 months from account opening.</p> <p>or</p> <p>Earn a $200 bonus after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on grocery store purchases (not including Target or Walmart; on up to $12,000 spent on these purchases) during the first year.</p>When the offer is double cash back, or at least a $200 bonus with a bonus category for extra earnings during the first year<a target="_blank" href="https://thepointsguy.com/credit-cards/chase-sapphire-preferred-card/"><strong>Chase Sapphire Preferred® Card</strong></a>Earn 100,000 bonus points after spending $5,000 on purchases in the first three months from account opening.When the offer is at least 75,000 bonus points<a target="_blank" href="https://thepointsguy.com/credit-cards/chase-sapphire-reserve/"><strong>Chase Sapphire Reserve®</strong></a>Earn 150,000 bonus points after spending $6,000 on purchases in the first three months from account opening.When the offer is at least 125,000 bonus points<a target="_blank" href="https://thepointsguy.com/credit-cards/chase-sapphire-reserve-for-business/"><strong>Chase Sapphire Reserve for Business℠</strong></a>Earn 200,000 bonus points after spending $30,000 on purchases in the first six months from account opening.When the offer is at least 150,000 bonus points<a target="_blank" href="https://thepointsguy.com/credit-cards/ink-business-cash/"><strong>Ink Business Cash® Credit Card</strong></a>Earn $1,000 cash back after spending $8,000 on purchases in the first four months from account opening.When the offer is more than $750<a target="_blank" href="https://thepointsguy.com/credit-cards/ink-business-preferred-credit-card/"><strong>Ink Business Preferred® Credit Card</strong></a>Earn 120,000 bonus points after spending $8,000 on purchases in the first three months from account opening.When the offer is at least 100,000 bonus points<a target="_blank" href="https://thepointsguy.com/card-hub/ink-business-premier-credit-card/"><strong>Ink Business Premier® Credit Card</strong></a>Earn $1,000 cash back after spending $10,000 on purchases in the first three months from account opening.When the offer is $1,000 cash back (the only publicly available offer we've seen in the card's history)<a target="_blank" href="https://thepointsguy.com/credit-cards/ink-business-unlimited-credit-card/"><strong>Ink Business Unlimited® Credit Card</strong></a>Earn $1,000 cash back after spending $8,000 on purchases in the first four months from account opening.When the offer is more than $750Chase Freedom FlexThe 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.
THE POINTS GUYHere are the recent offers we have seen on the Freedom Flex.
Welcome offer history
Approximate dateOfferValueApril 2023 to nowEarn a $200 bonus after spending $500 on purchases in the first three months from account opening.$200October 2022 to March 2023Earn a $200 bonus after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on grocery store purchases (not including Target or Walmart; on up to $12,000 spent on these purchases) during the first year.$200 plus up to $600 on grocery purchasesHighest welcome offer
With the highest welcome offer we've seen, new cardholders could earn $200 cash back after spending $500 on purchases in the first three months from account opening, plus an additional 5% cash back on grocery store purchases (not including Target or Walmart; on up to $12,000 spent on these purchases) during the first year.
When to apply
We suggest applying for this card when the bonus offers $200 cash back, plus a 5% cash-back bonus category during the first year from account opening.
Learn more: Chase Freedom Flex
Chase Freedom UnlimitedThe 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.
THE POINTS GUYHere are the recent offers we have seen on the Freedom Unlimited.
Welcome offer history
Approximate dateOfferValueApril 2026 to nowEarn a $200 bonus after spending $500 on purchases in the first three months from account opening.$200March 2026 to April 2026Earn a $250 bonus after spending $500 on purchases in the first three months from account opening.$250January 2026 to March 2026Earn a $200 bonus after spending $500 on purchases in the first three months from account opening.$200December 2025 to January 2026Earn $300 cash back after spending $500 on purchases in the first three months from account opening.$300May 2025 to December 2025Earn $200 cash back after spending $500 on purchases in the first three months from account opening.$200March 2025 to May 2025Earn $250 cash back after spending $500 on purchases in the first three months from account opening.$250January 2024 to March 2025Earn an extra 1.5% cash back on all purchases (on up to $20,000 spent) during the first year — worth up to $300 cash back.Up to $300October 2023 to January 2024Earn unlimited double cash back for the first 12 months from account opening. <p>or</p> <p>Earn a $200 bonus after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on grocery store purchases (not including Target or Walmart; on up to $12,000 spent on these purchases) during the first year.</p>Value depends on the cash back earned in the 12-month period <p>or</p> <p>$200 plus up to $600 on grocery purchases</p>December 2022 to October 2023Earn an extra 1.5% cash back on all purchases (on up to $20,000 spent) during the first year — worth up to $300 cash back.Up to $300Highest 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% cash back on grocery store purchases (not including Target or Walmart; on up to $12,000 spent on these purchases) during the first year.
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 CardThe 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.
THE POINTS GUYHere are the recent offers we have seen on the Sapphire Preferred.
Welcome offer history
Approximate dateOfferValue*July 2026 to nowEarn 75,000 bonus points after spending $5,000 on purchases in the first three months from account opening.$1,538June to July 2026Earn 100,000 bonus points after spending $5,000 on purchases in the first three months from account opening.$2,050June 2025 to June 2026Earn 75,000 bonus points after spending $5,000 on purchases in the first three months from account opening.$1,538May 2025 to June 2025Earn 60,000 bonus points after spending $5,000 on purchases in the first three months from account opening.$1,230April 2025 to May 2025Earn 100,000 bonus points after spending $5,000 on purchases in the first three months from account opening.$2,050November 2024 to April 2025Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening.$1,230October 2024 to November 2024Earn 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.$1,530June 2024 to October 2024Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening.$1,230May 2024 to June 2024Earn 75,000 bonus points after spending $4,000 on purchases in the first three months from account opening.$1,538May 2023 to May 2024Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening.$1,230April 2023 to May 2023Earn 80,000 bonus points after spending $4,000 on purchases in the first three months from account opening.$1,640*The bonus offer value is based on TPG's June 2026 valuations and is not provided by the credit card issuer.
Highest welcome offer
The best offer allowed new cardholders to earn 100,000 points after spending $5,000 on purchases in the first three months from account opening (no longer available).
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 Card
Chase Sapphire ReserveThe premium Chase Sapphire Reserve offers a host of benefits and 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 POINTS GUYHere are the recent offers we have seen on the Sapphire Reserve.
Welcome offer history
Approximate dateOfferValue*June 2026 to nowEarn 100,000 bonus points after spending $6,000 on purchases in the first three months from account opening.$2,050April 2026 to June 2026Earn 150,000 bonus points after spending $6,000 on purchases in the first three months of account opening.$3,075August 2025 to April 2026Earn 125,000 bonus points after spending $6,000 on purchases in the first three months of account opening.$2,563June 2025 to August 2025Earn 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.$2,550 (including the $500 Chase Travel credit)June 2024 to June 2025Earn 60,000 bonus points after spending $5,000 on purchases in the first three months from account opening.$1,230May 2024 to June 2024Earn 75,000 bonus points after spending $4,000 on purchases in the first three months from account opening.$1,538February 2023 to May 2024Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening.$1,230*The bonus offer value is based on TPG's valuations and is not provided by the credit card issuer.
Highest welcome offer
The highest-ever offer on the Sapphire Reserve allowed new cardholders to earn 150,000 bonus points after spending $6,000 on purchases in the first three months of account opening (offer no longer available).
When to apply
It's good to apply for this card anytime it's offering at least 125,000 points.
Learn more: Chase Sapphire Reserve
Chase Sapphire Reserve for BusinessThe Chase Sapphire Reserve for Business is a premium business card option for business owners looking for top-tier perks. The card charges a $795 annual fee.
THE POINTS GUYHere are the recent offers we have seen on the Sapphire Reserve for Business.
Approximate dateOfferValue*June 2026 to nowEarn 200,000 bonus points after spending $30,000 on purchases in the first six months from account opening.$4,100January 2026 to June 2026Earn 150,000 bonus points after spending $20,000 on purchases in the first three months from account opening.$3,075June 2025 to January 2026Earn 200,000 bonus points after spending $30,000 on purchases in the first six months from account opening.$4,100*The bonus offer value is based on TPG's valuations and is not provided by the credit card issuer.
Highest welcome offer
The highest welcome offer is also the current offer: Earn 200,000 bonus points after spending $30,000 on purchases in the first six months from account opening.
When to apply
If the Sapphire Reserve for Business runs a limited-time offer higher than its current bonus, it's worth applying. That said, the current offer is incredibly solid — so now is still a good time to apply.
Learn more: Chase Sapphire Reserve for Business
Ink Business Cash Credit CardThe 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.
THE POINTS GUYHere are the recent offers we have seen on the Ink Business Cash.
Welcome offer history
Approximate dateOfferValueJune 2026 to nowEarn $1,000 cash back after spending $8,000 on purchases in the first four months from account opening.$1,000November 2025 to June 2026Earn $750 cash back after spending $6,000 on purchases in the first three months from account opening.$750September 2025 to November 2025Earn $900 cash back after spending $6,000 on purchases in the first three months from account opening.$900March 2024 to September 2025Earn up to $750: $350 after spending $3,000 on purchases in the first three months from account opening<span class="text-nowrap"> and</span> an additional $400 after spending $6,000 in the first six months from account <span class="text-nowrap">opening.</span>Up to $750January 2024 to March 2024Earn $750 cash back after spending $6,000 on purchases in the first three months from account opening.$750September 2023 to January 2024Earn $900 cash back after spending $6,000 on purchases in the first three months from account opening.$900March 2023 to September 2023Earn $750 cash back after spending $6,000 on purchases in the first three months from account opening.$750Highest welcome offer
The best bonus on the Ink Business Cash is also the current offer: Earn $1,000 cash back after spending $8,000 on purchases in the first four months from account opening.
When to apply
It's a good time to apply when the bonus is offering more than $750.
Learn more: Ink Business Cash Credit Card
Ink Business Preferred Credit CardSmall-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.
THE POINTS GUYHere are the recent offers we have seen on the Ink Business Preferred.
Welcome offer history
Approximate dateOfferValue*November 2025 to nowEarn 100,000 bonus points after spending $8,000 on purchases in the first three months from account opening.$2,050September 2024 to November 2025Earn 90,000 bonus points after spending $8,000 on purchases in the first three months from account opening.$1,845July 2024 to September 2024Earn 120,000 bonus points after spending $8,000 on purchases in the first three months from account opening.$2,460June 2023 to July 2024Earn 100,000 bonus points after spending $8,000 on purchases in the first three months from account opening.$2,050April 2020 to June 2023Earn 100,000 bonus points after spending $15,000 on purchases in the first three months from account opening.$2,050*The bonus offer value is based on TPG's 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 CardThe Ink Business Premier is Chase's top-tier business cash-back card, offering unlimited 2% cash back on business purchases on top of other bonus categories for a $195 annual fee.
THE POINTS GUYThe only offer we've seen on this card allows new cardholders the chance to earn $1,000 cash back 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 on purchases 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 defi