What Chase Credit Cards Are Offering Right Now

Chase runs different sign-up bonuses and ongoing rewards on roughly a dozen cards at any given time, but the specific offers change every few weeks. The cards most commonly promoted are the Chase Sapphire Preferred, Chase Freedom Unlimited, Chase Ink Business Preferred, and Chase Freedom Flex. Each one targets a different spending pattern — travel rewards, flat-rate cash back, business expenses, or rotating bonus categories.

Sign-up bonuses typically range from 50,000 to 100,000 points or miles, depending on the card and the current promotion. These bonuses usually require you to spend a certain amount within the first three to six months. Ongoing rewards vary: some cards offer a flat percentage back on all purchases, while others offer higher rates in specific categories like groceries, gas, or dining.

The offers you see online or in the mail may differ from what you see in a Chase branch or on the Chase app. Chase also runs targeted offers for existing customers — you might receive an email with a bonus that is not advertised publicly. Checking your Chase account login regularly can reveal offers you would not find elsewhere.

Key Takeaways

  • Chase's most promoted cards change their sign-up bonuses every few weeks, so the offer available today may be different next month.
  • Sign-up bonuses require you to spend a set amount in a set timeframe, usually three to six months, to receive the full bonus.
  • Existing Chase customers often receive targeted offers in their account that are not shown to new customers or the general public.
  • Different Chase cards reward different spending: travel, flat cash back, business purchases, or rotating bonus categories like groceries and gas.
  • The offer you see online may differ from the offer in a branch or through the app, so it is worth checking multiple places.

How Sign-Up Bonuses Work

A sign-up bonus is a one-time reward you receive after meeting a spending requirement. For example, a card might offer 75,000 points if you spend $4,000 in the first three months. That $4,000 includes all purchases on the card — groceries, gas, restaurants, online shopping, everything. Once you hit that threshold, the points post to your account within one to two billing cycles.

The bonus is separate from the rewards you earn on everyday purchases. If you spend $4,000 and earn 75,000 bonus points, you also earn regular rewards on that $4,000 based on the card's rewards rate. A card that earns 2 points per dollar would add another 8,000 points on top of the sign-up bonus.

You do not have to use the bonus points when ready. They sit in your account until you redeem them for cash back, travel bookings, gift cards, or other options depending on the card. Chase points can often be transferred between cards on the same account, which gives you flexibility if you later open a different Chase card.

Comparing Rewards Rates Across Chase Cards

Chase cards fall into a few reward structures. The Chase Freedom Unlimited and similar cards offer a flat rate — usually 1.5% cash back on all purchases. These cards are straightforward: every dollar you spend earns the same reward, no categories to track.

The Chase Sapphire Preferred and premium travel cards earn points that are worth more when redeemed for travel. A point might be worth 1 cent as cash back but 1.5 cents or more when you book a flight or hotel through Chase's travel portal. This means the effective rewards rate depends on how you redeem.

The Chase Freedom Flex and Chase Freedom Unlimited offer rotating bonus categories — typically 5% cash back on rotating categories like groceries, gas, or restaurants, but only for the first $1,500 spent in that category each quarter. After you hit the cap, you earn 1% on additional spending in that category. Tracking these categories requires attention, but the 5% rate can add up if you spend heavily in the bonus categories.

Business cards like the Chase Ink Business Preferred often offer higher rates on business-specific categories: 3% on internet, cable, and phone; 3% on shipping; and 2% on gas and restaurants. The bonus categories differ from consumer cards, so compare based on your actual business spending.

Annual Fees and When They Make Sense

Some Chase cards charge an annual fee, usually $95 to $550. The Chase Sapphire Preferred costs $95 per year. The Chase Sapphire Reserve costs $550. Cards with no annual fee, like the Chase Freedom Unlimited, are free to hold.

A card with an annual fee only makes sense if the rewards you earn exceed the fee. A $95 annual fee is worth it if you earn more than $95 in rewards per year. On a card earning 2% cash back, that means spending $4,750 annually. On a card earning 3% in bonus categories, you need less spending to break even. Premium cards with high annual fees often include travel credits or other perks that offset the fee — for example, the Sapphire Reserve includes a $300 annual travel credit, which means the net cost is $250.

If you do not spend enough to earn back the annual fee, a no-annual-fee card is the better choice. Chase offers several solid options with no fee, so there is no reason to pay for a card you will not use enough to justify the cost.

How to Find Current Offers

The official Chase website shows the current public offers on each card. Go to chase.com, navigate to the credit cards section, and look at the card you are interested in. The offer displayed there is what new customers see, though it may change within days.

If you are an existing Chase customer, log into your account and check the "Offers" or "Deals" section. Chase regularly shows targeted bonuses to existing customers that are higher or different from the public offer. These offers are often available for a limited time — usually 30 to 90 days — so check periodically.

You can also call Chase directly at the number on the back of your current card or visit a local Chase branch. Branch representatives sometimes have access to offers not shown online, though this is less common than it used to be. The phone line can confirm the current offer and answer questions about the spending requirement or bonus timeline.

Credit card comparison websites and blogs sometimes show historical offer data, which can help you understand whether an offer is typical or unusually high. However, these sites do not control the offers — only Chase does — so always verify the current offer on Chase's own website or app before opening an account.

Timing Your process

Chase enforces a rule called the Chase 5/24 rule: if you have opened five or more credit cards (from any bank) in the last 24 months, Chase will likely deny your process. This rule is not published by Chase, but it is consistently reported by cardholders and is widely accepted as accurate. If you are close to this limit, space out your applications or wait until older accounts fall outside the 24-month window.

Chase also has an internal rule about how many cards you can open in a set time period. You can typically open two Chase cards within 30 days without issue, but opening more than that in a short window can trigger a denial or a review. If you want multiple Chase cards, space them out by at least 30 days.

The best time to open a card is when the sign-up bonus is at its highest. Bonuses fluctuate, so if you see a particularly high offer, it is usually worth opening the card then rather than waiting for a potentially lower offer later. However, do not open a card just because an offer exists — only open cards you will actually use.

Redeeming Points and Cash Back

How you redeem your rewards depends on the card. Cash back cards like the Chase Freedom Unlimited let you redeem for a statement credit, a direct deposit to your bank account, or a check. You can redeem as little as $25 or as much as your full balance, and there is no expiration date on the points.

Points-based cards like the Chase Sapphire Preferred let you redeem through Chase's travel portal, transfer to airline and hotel partners, or convert to cash at a lower rate. The travel portal redemption is usually the best value — a point might be worth 1.5 cents when booked through the portal but only 1 cent as cash back. You can also combine points from multiple Chase cards on the same account, which gives you more flexibility.

Some cards let you redeem for gift cards, merchandise, or donations to charity. These options are usually available but often offer lower value than travel or cash back. Check the redemption options on your specific card before you assume you can only redeem one way.

Frequently Asked Questions

Do I have to meet the spending requirement all at once?

No. The spending requirement is cumulative over the timeframe — usually three to six months. You can spread purchases across the entire period. If the requirement is $4,000 in three months, you could spend $1,500 in month one, $1,200 in month two, and $1,300 in month three. Once you hit the total, the bonus posts within one to two billing cycles.

Can I get the sign-up bonus more than once on the same card?

Chase has a rule that you cannot receive a bonus on the same card more than once every 24 months. Some cards have a stricter rule — you cannot receive a bonus if you have held that specific card at any point in the last 24 months, even if you closed it. Check the terms on the card you want to confirm the exact rule.

What happens to my rewards if I close the card?

Your rewards do not disappear when you close the card. Points and cash back remain in your account and can be redeemed anytime. However, you lose the ability to earn new rewards on that card, and you lose any benefits tied to holding the card, like travel credits or lounge access.

Are Chase credit card offers the same for everyone?

No. Chase shows different offers to different people based on your credit history, account status, and other factors. An offer you see online might not be available to you personally. The only way to know what you may have access to for is to start the process process — a soft inquiry will show you the offer available to you without affecting your credit score.

Can I combine sign-up bonuses from multiple Chase cards?

Yes. You can open multiple Chase cards and earn the sign-up bonus on each one, as long as you meet the spending requirement on each card separately and follow Chase's rules about how many cards you can open in a given timeframe. Many people open two or three Chase cards within a few months to earn multiple bonuses.