The Best Chase Credit Card Sign-Up Bonuses
Chase is well-known for their Ultimate Rewards program, and the variety of bonuses their cards offer. Here we'll discuss which offers the best one-time bonuses upon signing up.
If you're looking for the best sign-up bonuses for the various credit cards on the market, Chase is a strong contender.
Not only do they offer many different types of cards with sign-up bonuses, they also have a long and reputable history as one of the largest credit card issuers in the U.S.
So how can you get the most bonus when signing up for a Chase credit card and how can you make your bonus work best for you?
We take a closer look at some of the best sign-up bonuses exclusively for Chase credit cards to help you select a card that fits within your budget and lifestyle.
Let's dive right in!
Sign-Up Bonuses for Each Card
As you might expect from one of the largest credit card issuers on the market today, Chase has no shortage of credit cards and bonuses available.
Understanding the different types, as well as the best time to use them, is vital to getting the most out of your bonus.
Here are the different types:
The Best Chase Travel Credit Card with Sign On Bonus – Premium
If you're a frequent traveler and want to earn the most possible bonus points, the Chase Sapphire Reserve is a solid choice.
With this travel credit card, you can earn 50,000 bonus points after you spend $4,000 in purchases within the first three months of opening your account.
That equals out to $750 toward travel expenses when you redeem your points through Chase's Ultimate Rewards program.
Ultimate Rewards Points are typically worth 1 cent each when you redeem them for gift cards or cash.
But when you redeem them for travel and dining, you get 3 points per dollar spent, which works out to a 4.5% rewards rate on your travel-related purchases.
This card gives you a $300 annual reimbursement on your travel expenses, but you'd need to spend at least $3,333 every year to make it worth the $450 annual fee.
If you enjoy the modern conveniences of Global Entry or TSA PreCheck, having the Chase Sapphire Reserve reimburses your application fee for these programs.
You also get a complimentary membership to Priority Pass Select, which lets you access over 900 airport lounges around the world.
The Best Chase Travel Credit Card with Sign On Bonus – General
If you travel regularly, but not frequently enough to balance out the benefits of the Chase Sapphire Reserve, the Chase Sapphire Preferred could be a better choice for you.
With this card, you get 2 points per $1 spent on travel and dining and 1 point per dollar everywhere else.
Like the Chase Sapphire Reserve, the Chase Sapphire Preferred sign-on bonus gets you 50,000 bonus points after you spend $4,000 on travel/dining purchases within the first three months of opening your account.
This equals around $625 toward your travel expenses because of the way point ratios are calculated.
If you book travel through Chase's travel portal in their Ultimate Rewards membership area, your points value increases to 1.25 cents.
The Best Chase Airline Points/Miles Cards with Sign On Bonuses
If you're not loyal to a particular airline, both the Chase Sapphire Reserve and the Chase Sapphire Preferred are good options.
If you'd rather fly a specific airline, however, and maximize the sign-on points you get with a new Chase credit card, the following options may be better for your specific needs:
Chase UA Explorer Card – 55,000 United Airlines Miles
The Chase UA Explorer offers a Sign-Up bonus of 50,000 + 5,000 United Airlines miles plus $50 – which works out to around $835 after you subtract the annual fee (of $95).
The annual fee is not waived for the first year, and you must spend $3,000 within the first three months of opening your account in order to quality for this sign-up bonus.
Chase Southwest Plus Card – 60,000 Southwest Airlines Miles
After you subtract the $69 annual fee, the 60,000 Southwest Airlines miles that you get with the Chase Southwest Plus card works out to about $711.
You'll need to spend $2,000 within the first three months of opening your account in order to qualify for this sign-up bonus, however, and the annual fee is not waived for the first year.
Chase Southwest Premier – 60,000 Southwest Airlines Miles
If you spend at least $2,000 within the first three months of opening your account, you can earn 60,000 miles with Southwest Airlines.
You can apply for this card and the Chase Southwest Plus card together to get a whopping 120,000 Southwest Miles!
If you have 110,000 Southwest Miles in your account, you can redeem them for a travel companion certificate that is good until the end of the following year.
There is a $99 annual fee for this card, and it's not waived for the first year.
It's worth noting, however, that if you have opened 5 or more credit card accounts (not just Chase accounts) within the last 24 months, Chase will reject your card application.
Chase British Airways Card – 50,000 BA Miles
If you fly often on British Airways, the Chase British Airways Card's sign-up bonus of 50,000 miles may be right for you.
This works out to around $705 after you subtract the first year's annual fee ($95).
The annual fee is not waived for the first year, and you'll need to spend $3,000 within the first three months of opening your account in order to receive this bonus.
The Best Chase Hotel Points Cards with Sign On Bonuses
If you'd like to maximize your stays wherever you travel, you'll be glad to know that there are Chase credit cards with sign on bonuses specifically geared around hotels worldwide. These include:
Chase Hyatt – 2 Free Nights plus 5,000 Hyatt Points and $50
If you often stay at Hyatt resorts or hotels, the Chase Hyatt card has an attractive sign-on bonus which gives you 2 free nights worldwide plus 5,000 Hyatt points and a $50 bonus.
This works out to be around $665 after you subtract the first year's annual fee of $75, which is not waived.
In order to get this sign on bonus, you must spend $2,000 within the first three months of opening your account.
Chase Marriott – 80,000 + 7,500 Marriott Points
If Marriott hotels and resorts are your preferred place to relax, Chase Marriott is a solid choice that gives you an amazing 80,000 Marriott points plus a 7,500 point bonus which works out to around $612 after you take off the first year's annual fee, a non-waivable $85.
In order to qualify for this sign on bonus, you must spend $3,000 within the first three months of opening your account.
Since Marriott now owns Starwood hotels and resorts, many of our users are concerned about the future of Starpoints.
So far, the SPG program (run by Starwood) hasn't been changed much.
The changes that have taken place are actually for the better, since you can now transfer Starpoints to your Marriott Rewards card and vice versa.
Chase IHG – 60,000 + 5,000 IHG Points + $50
IHG spans a number of hotels and resorts, including Holiday Inn, Staybridge, Candlewood, Crowne Plaza and Intercontinental.
If your travels find you staying often at these hotels or any others that fall under the IHG umbrella of companies, the Chase IGH Rewards Club card could be right for you.
You'll get 65,000 IHG points plus a $50 bonus, which is worth around $557, and all you need to do is spend $1,000 within the first three months.
The $49 annual fee is waived for your first year with this card.
The Best Chase Cash Back Card with Sign On Bonus
If you're all about maximizing the amount of cash back you get with your credit cards, but you still want a lucrative sign on bonus, the Chase Freedom is a card that's flexible and has easy to meet requirements.
Chase Freedom® - An Easy to Get Sign-On Bonus Plus Cash Back
Not only does the Chase Freedom card give you 5% cash back on up to $1,500 in combined purchases based on various bonus categories each quarter, but you also earn 1% unlimited cash back on all other purchases automatically.
Cash back rewards from Chase do not expire as long as your account is open.
Once you spend $500 on purchases within the first three months of opening your account, you get a $150 bonus.
When do you receive the bonus? Right away? After a certain time?
The details of when you receive your Chase sign on bonus will depend on the card you choose, as each one has their own specific requirements and timeframe in order to qualify.
For example, most cards require that you make a certain amount on purchases within a certain timeframe to be eligible to receive the bonus.
Once you meet those criteria, the bonus is applied to your account.
Does each bonus have an expiration date (when applicable)?
Provided you meet the requirements to get the sign up bonus, these bonuses do not typically expire unless specifically stated in the terms of the application.
In some cases, particularly with the travel cards, you may be subject to blackout dates or restrictions on when you can fly.
You'll want to read the terms carefully during the application process to see if this applies to the card you're interested in.
What are the pros and cons for each reward offered?
Since there's no one right Chase card for everyone, one person's pro could be another person's con when deciding on the right credit card and the sign up rewards you get for it.
For example, in the case of the Chase Sapphire Reserve, a highly popular and respectable card, many people would see the minimum spending level of $3,333 per year in order to cover the $450 fee as a con unless you travel frequently enough to make it worth your while.
As most sign on bonuses are geared around travel, if you don't fly frequently, it can be a challenge to take advantage of the bonus offered.
With that being said, however, it's worth noting that Chase boasts one of the most flexible rewards programs currently available – the Ultimate Rewards program.
Many credit card customers look for ways to maximize their points value, since Chase offers numerous ways to get points, as well as bonuses depending on the card your choose.
No matter whether you want a solid cash-back card, a card for business travel, or card that gives you miles toward a family vacation – you'll find a lot of reasons to consider Chase's comprehensive rewards program.
In addition, if you do travel often and rack up considerable points on a regular basis, you'll be glad to know that many (but not all) Chase cards allow you to transfer your Ultimate Rewards points at a 1:1 ratio to select travel partners, including:
- British Airways Executive Club
- Marriott Rewards
- Hyatt Gold Passport
- Korean Air SKYPASS
- Singapore Airlines KrisFlyer
- United Mileage Plus
- Southwest Airlines Rapid Rewards
- Virgin Atlantic Flying Club
- IHG Rewards Club
- Ritz Carlton Rewards
So depending on your specific needs, you may be able to get even more value out of your Chase credit card than its sign-up bonus alone.
Are there costs associated with the credit card even though there is a bonus?
Oftentimes, there are annual fees associated with the card.
These fee-based cards generally have more lucrative rewards or bonuses than their no-annual-fee counterparts, so it's worth choosing a fee-based card over a non-fee card if you can.
In some cases, the annual fee is waived for the first year, but for many of the Chase sign on bonus cards, it is not, so keep that in mind when choosing the right card for your needs.
How do customers rate each credit card associated with each bonus?
Knowing what your fellow cardholders have to say about each credit card as well as its sign on bonus can help you feel more confident about making a smart choice when looking to maximize your bonus.
Here's what customers had to say about each one:
Chase Sapphire Reserve Credit Card
If you have a good or excellent credit score, this Chase credit card and its sign on bonus are perhaps the best of the best.
Some customer balk at the high $450 annual fee, but considering that you get 3X points on travel and dining, it's a smart choice for frequent travelers looking to maximize their points.
You also get a $300 travel credit and save even more when you book your trip through Chase's Ultimate Rewards member portal.
Chase Sapphire Preferred Credit Card
This higher-end card requires good to excellent credit, but many customer report that its customer service is second to none.
Being able to transfer miles to airlines similar to the Chase Sapphire Reserve card, as well as no transaction fee are hugely attractive to customers.
Most comment that it's easy to accrue and transfer points to various loyalty programs – in some cases nearly doubling their value.
Chase UA Explorer – United Airways Credit Card
Customers with good to excellent credit who fly with United love this card.
In addition to its 2X miles on United Ticket purchases along with the 50,000 bonus miles sign up bonus after you spend $3,000 or more during the first three months of opening your account, the 1 mile per dollar spent makes this a highly attractive card.
Customers note that although it has an annual fee of $95, you do get free checked bags, which can save you up to $100 per round trip and no foreign transaction fees, making the annual fee less of a hindrance and more of a small price to pay for added convenience.
Chase Southwest Rapid Rewards Plus Credit Card
Even if you don't fly often, the Chase Southwest Rapid Rewards Plus credit card lives up to its name in letting you accrue rewards quickly.
If you happen to live in a city that is serviced by Southwest Airlines, this is the card to have.
Provided you can meet the sign up bonus requirements, you can receive the equivalent of roughly 2 round-trip airfares, although it takes a few months to get them.
Although there is a $69 annual fee with this card, Southwest does give you a $50 flight credit each year which helps ease the bite of the annual fee cost.
If you're a loyal Southwest customer and want to save on flights, this is the card for you.
Chase Southwest Rapid Rewards Premier Credit Card
Many users who loyally fly Southwest apply for both this card as well as one of the Chase Sapphire cards which can net you a grand total of 90,000+ miles with no blackout dates.
Here again, customer service is on point and quick to notify users about any suspected fraudulent activity.
Even with a fair credit score, users find that their application for this card is approved quickly and they have a decent credit limit.
Chase British Airways Credit Card
If you fly on British Airways often, this card deserves to be in your wallet.
Fortunately, you only have to spend $2,000 within the first three months to get the bonus deal.
Most sign on bonuses require you to spend more.
Together with its low interest rate and the ability to accrue points quickly and easily, this is a valuable card for anyone looking to save money on flights and other travel expenses.
There's no foreign transaction fee either, so flying overseas just got a whole lot more affordable thanks to this card.
Chase Hyatt Credit Card
Customers who frequent Hyatt hotels and resorts love this card, since you earn 2 free lights after you spend $1,000 within the first three months.
You also get a free night each year on the anniversary of opening your card – a welcome bonus for frequent travelers.
Even though this card has an annual fee, your points have no limits and there are lots of ways to spend them, making it a great all-around card with lots of extra perks.
Chase Marriott Credit Card
This card has received a bit of a tepid response, since the points you earn toward free nights at Marriott hotels can only be redeemed for certain categories of Marriott hotels.
Most Marriott hotels are categories 6 or above.
Other customers report not getting their 80,000 points or their bonus points as advertised.
Upon calling customer service, they are told that just because 80,000 points are offered, doesn't necessarily mean the customer will get that many.
If you like to travel off the beaten path and avoid the tourist traps, this card will be far more useful to you, according to cardholders, than if you want to vacation where everyone goes.
Chase IHG Credit Card
Customers across the country report a lot to like about this card, provided that you stay often at places like Crowne Plaza and Holiday Inn.
Beyond the 60,000 point sign up bonus (which can translate to six free nights) as well as a free night on the anniversary of your account opening, you can also get an upgrade to Rewards Club Platinum Elite status and continue earning even more.
If you're a loyal fan of the IHG family of hotels and resorts, you'll find that this card makes it easy to accumulate points quickly and save big on hotel stays.
Chase Freedom Credit Card
Although the Chase Freedom is certainly not on par with the rewards you get from more exclusive cards like the Sapphire Reserve or Preferred, it's still a highly flexible card that truly lives up to its name of "Freedom" according to cardholders.
Because there are rotating cashback categories, you can anticipate and plan for how you want to earn cash back.
If you have a Sapphire Reserve and a Chase Freedom, you can transfer points to the Ultimate Rewards on your Chase Sapphire card and get even more value from your card.
You do, however, have to be on top of the various quarters and the points earned from each in order to use them to their fullest, but for those who plan ahead, Freedom offers a great deal of benefits.
Are there any bonuses that are new or set to expire after a certain time?
In some cases, the bonuses that are offered will depend upon whether or not a customer is "targeted" or not, with a pre-approved offer.
Those that are will find that they get a somewhat better deal than the "blanket deal" that the rest of the general public gets.
Typically, you'll need good to excellent credit, and you may need to be a prior Chase cardholder in order to enjoy these newer bonuses.
Also, keep in mind that bonuses can and do change from time to time.
If you've applied during a promotion for specific bonuses, your sign on bonus won't expire or change, because it's tied to the timeframe in which you applied, and provided you meet the requirements, you'll receive it.
However, there may come a time when a newer or better bonus becomes available.
Some customers opt to apply for these new cards as well to help further build up their points or miles, but we advise you to do so responsibly, since opening up more than five credit cards (not just Chase, but all cards) within a 24 month period will flag your account and reject your application.
Regarding an expiration date on bonuses, points or miles, check with the specific co-branded merchant or contact Chase's customer service if you're concerned about your bonus points or accumulated rewards expiring.
Every program is different, and there's perhaps nothing more aggravating than trying to cash in on all those points you've earned, only to see that they've expired.
Be ahead of the game and don't let that happen to you.
Find out in advance if there's an expiration date for your rewards points, miles or other bonuses.
Are there any bonuses that Chase is known for?
Chase's sign up bonuses are in line with (if not a little better than) comparable credit cards.
However, where Chase truly shines in through their Ultimate Rewards program.
Although not specifically a bonus, Ultimate Rewards is one of the most flexible credit card rewards programs on the market, and that in and of itself is a bonus for many people.
In addition to letting you earn more points when you book your travel through this member's portal, you can also spend your Chase Ultimate Rewards on various categories, such as gift cards.
The Ultimate Rewards Mall offers a wide range of products that help you maximize your point value while still shopping for gifts and other must-haves.
What are the qualifications for each credit card in order to get the sign-up bonus?
Generally, each Chase credit card that has a sign-up bonus requires that you have Good or Excellent credit unless otherwise noted.
Those with lower credit scores may still have their applications approved, so it's worth trying if you're looking to change credit cards or get the most rewards possible when you sign up.
Otherwise, depending on the card you choose, you may have to make a certain dollar amount of purchases within a given timeframe (usually three months) after opening your account.
Each card has its own qualifications, spend requirement and timeframe in order to qualify for the sign on bonus.
Before you apply, be sure that you can reasonably meet the qualifications of the card in order to get the sign on bonus, and resist the urge to sign up for a credit card purely for the bonus!
The best credit cards are those where the bonus is simply icing on the cake from a reliable, quality card you'd use anyway!
What are bonus points/credit card points worth?
It's worth noting that all credit cards rewards programs, including those with sign-up bonuses, are limited in some way.
There is no "one size fits all" card that gives you cash back PLUS airline miles PLUS no annual fee PLUS a low interest rate.
It just doesn't exist, even if you have perfect credit.
With that being said, there are entire calculators out there designed to help you understand the actual monetary value of credit card points and bonuses, and how to calculate percentage rewards so that you make the most out of the card you choose.
In this detailed guide, you'll learn how to calculate everything from rewards points to airline miles, as well as deciding between a card that has an annual fee versus a card with no annual fee.
Will you really save more over having a no annual fee card, or will the card actually cost you money?
Knowing the value of bonus points and rewards can help you better understand how your chosen card stacks up and whether or not it's worth getting a different one.
The Bottom Line
Every credit card is different, and Chase is no stranger when it comes to offering rewards that are designed to entice customers.
But their expansive reward program and lucrative sign-on bonuses are designed purely to help the company make money.
Customers who benefit the most from sign up bonuses are those who are astutely aware of other factors involved in the selection of a credit card, including:
- Interest rate
- Cashback rewards categories
- Expiration dates or limitations on points
- Convenience and ease of use
There is some calculating involved in determining, for example, if it's worth it to you to pay an annual fee versus racking up frequent flyer miles.
Knowing how much you need to spend in a given timeframe to help offset that cost isn't just crunching numbers, it's being a smart credit card consumer.
And while sign up bonuses are particularly targeted toward those who travel frequently, if you're not that into flying, there are plenty of cards, even Chase cards, such as a cashback card or rewards card, which may be better suited to your specific needs.
How to Spend Your Points Wisely
It's also important to note that how you spend your credit card rewards is just as important as accumulating them.
For example, although it's laudable to want to donate your accumulated points or miles to charity, there are tax laws in place that make this a bit of a grey area.
Since you didn't pay for your points, the IRS doesn't consider them tax-deductible.
Instead, use your points for the most valuable rewards you can get and then donate the money you have saved to a charity of your choice.
This way, you get both the tax deduction and savings while still working with a cause you care about.
Overall, the most important tip you can come away with as a result of researching the best sign-up bonuses with Chase credit cards is to look beyond the sign up bonus to see just how much you'll actually be paying in things like interest, annual fees, foreign transaction fees, and transfer fees to determine if applying for the card truly makes sense for your unique situation.
Which Chase Credit Card is Right for You?
Everyone has different priorities on whether they'd like more in the way of points versus miles versus cash back, but Chase is one of the larger and more accommodating cards in this area, so chances are they have one or more cards available to suit your needs.
Consider your current lifestyle or your work and whether or not things like traveling on certain airlines or staying at certain hotels will be truly beneficial to you in the long run.
If they are, and the value offsets the cost to you, then applying for a Chase credit card and enjoying the added benefits of a sign up bonus can be a lucrative way to build upon your credit history while enjoying some of life's best perks – including travel, dining, entertainment and leisure.
Smart Credit Card Use is All About Maximizing Value over Cost
Just remember that, like all credit cards, smart financial management is important to not only keep your account in good standing (and get the maximum rewards possible), but could also pave the way for future offers from Chase (or their co-branded partners) with even better sign up rewards and benefits.
The good news is, you can apply for a Chase credit card with a sign up bonus directly and securely from our website.
We'll link you right to Chase's secure application form for the card you've decided on, where you can get more information, including details on interest rates, fees, rewards and more.
The sooner you apply, the sooner you can start earning points toward the things you love!