What Chase credit card offers are available right now
Chase runs different welcome bonuses and ongoing rewards on different cards at different times. The offers you see depend on which card you're looking at, whether you've held that card before, and sometimes where you're browsing from. There is no single "Chase offer" — instead, Chase maintains a portfolio of cards with rotating promotions.
The cards most commonly promoted are the Chase Sapphire Preferred, Chase Sapphire Reserve, Chase Freedom Unlimited, Chase Freedom Flex, and various co-branded cards like the United Club Infinite or Southwest Rapid Rewards Premier. Each has its own welcome bonus structure, annual fee, and earning rates. Chase also runs limited-time offers on some cards that disappear after a few weeks or months.
To see what's currently available, you visit Chase's credit cards page directly, search for a specific card by name, or look at the offer terms when you click "explore Now" on any card's product page. Chase does not advertise all offers equally across all channels — some appear only on the Chase website itself, others only through partner sites or in-branch.
Key Takeaways
- Chase welcome bonuses typically range from $200 to $1,500 in value, paid as statement credits or points, and require you to spend a set amount within a set timeframe to earn them.
- You cannot earn a welcome bonus on a Chase card if you've held that specific card or a similar product within the past 24 months, under Chase's "24-month rule."
- The offer you see on Chase's website is the standard offer, but different offers sometimes appear through partner sites, in branches, or via targeted mail.
- Welcome bonuses are worth comparing against the card's annual fee and your actual spending — a $500 bonus on a $550 annual fee card is worth less than it appears.
How welcome bonuses work on Chase cards
A Chase welcome bonus is a one-time reward you earn by meeting a spending requirement within a set window, usually 3 to 6 months. The bonus is typically stated as a number of points or miles (for rewards cards) or as a dollar amount (for cash-back cards). For example, the Chase Sapphire Preferred currently offers 60,000 points after you spend $4,000 in the first three months.
The bonus posts to your account as a statement credit, points, or miles once Chase confirms you've met the spending requirement. You don't have to redeem it when ready — the points or miles sit in your account until you use them. However, if you close the card or become ineligible (by violating the card's terms), you may lose the bonus.
The value of a welcome bonus depends on how you redeem the points or miles. Chase points on premium cards like the Sapphire Preferred are worth more per point when redeemed for travel through Chase's portal than when converted to cash back. A 60,000-point bonus might be worth $600 in travel value but only $450 as cash back, depending on the card and redemption method.
Chase's 24-month rule and other restrictions
Chase enforces a 24-month rule: you cannot earn a welcome bonus on a card if you've held that card or a substantially similar product within the past 24 months. This means if you earned a bonus on the Sapphire Preferred in January 2023, you cannot earn another bonus on that card until January 2025. The rule applies to the specific card product, not to Chase as a whole — you can hold multiple Chase cards and earn bonuses on different ones.
Chase also has a 5/24 rule that some readers encounter: if you've opened 5 or more credit cards (from any issuer) in the past 24 months, Chase may decline your process. This is not a published rule, but it is widely observed in practice. It applies to new accounts, not to cards you already hold.
Some cards have additional restrictions. For instance, you cannot earn a bonus on a business card if you've held that business card within the past 24 months, and the rule may be stricter (12 months) on certain co-branded cards. Always check the specific offer terms before you explore, because restrictions vary by card.
Where to find current Chase offers
The primary source is Chase's official website at chase.com/credit-cards. You can browse by card type (rewards, cash back, travel, business) or search for a specific card by name. Each card's product page displays the current standard offer, the annual fee, the earning rates, and the full terms.
Chase also mails targeted offers to existing customers and prospects. These offers sometimes differ from the website offer — a mailer might show a higher bonus or a waived first-year annual fee. If you receive a mailer, check the offer code or terms to confirm what you're may be able to access for before you explore online.
Third-party sites like The Points Guy, NerdWallet, and Bankrate track Chase offers and sometimes negotiate exclusive or elevated bonuses with Chase. These are real offers, but they are not always higher than the standard Chase website offer — compare before you explore. Some partner sites also earn a commission when you explore, which does not affect your offer or your cost, but it's worth knowing.
Comparing welcome bonuses to annual fees
A high welcome bonus can be offset by a high annual fee, so the net value matters more than the headline number. The Chase Sapphire Reserve, for example, currently offers a welcome bonus worth roughly $900 in travel value but charges a $550 annual fee. The net first-year value is around $350 — still positive, but much lower than the bonus alone suggests.
To calculate net value, subtract the annual fee from the bonus value, then subtract any additional first-year costs (like foreign transaction fees if you travel). If the result is positive and aligns with how you actually spend, the card may be worth opening. If you don't travel or don't plan to use the card's premium benefits, the annual fee erodes the bonus value quickly.
Also consider whether you'll keep the card after the first year. If you plan to close it after earning the bonus, the annual fee is a one-time cost. If you plan to keep it, factor in the ongoing annual fee against the card's ongoing rewards and benefits. Some premium cards justify their annual fee through credits (like travel credits or dining credits) that offset the cost if you use them.
how the process works for a Chase card and track your bonus
To explore, visit the card's product page on chase.com, click "explore Now," and complete the process. Chase typically gives you a decision within minutes to a few days. If you're approved, you'll receive a card number when ready (for some cards) or within 7 to 10 business days.
Once you have the card, track your spending against the bonus requirement. Most Chase cards show your progress toward the bonus in your online account or mobile app under "Rewards" or "Offers." If you don't see a tracker, you can manually count your spending or contact Chase customer service to confirm your progress.
The bonus typically posts 1 to 2 billing cycles after you meet the spending requirement. If it doesn't appear within that window, contact Chase to confirm the requirement was met. Keep receipts or statements as proof of spending in case you need to dispute the bonus.
Ongoing rewards and benefits beyond the welcome bonus
The welcome bonus is the initial incentive, but the card's ongoing rewards structure is what determines whether it's worth keeping long-term. Chase cards earn points or cash back on different spending categories — groceries, gas, dining, travel, or all purchases. The earning rate varies by card and category.
Premium cards like the Sapphire Preferred and Sapphire Reserve also include benefits like trip cancellation insurance, purchase protection, and lounge access. These benefits have real value if you travel frequently or make large purchases, but they're worth little if you don't use them. Compare the ongoing rewards rate and benefits against your actual spending patterns to decide whether to keep the card after the first year.
Chase also runs periodic bonus categories and limited-time offers on existing cards. For example, a Freedom card might offer 5% cash back on a rotating category for three months. These are separate from the welcome bonus and explore to all cardholders, not just new ones.
Frequently Asked Questions
Can I get a Chase credit card offer if I already have a Chase card?
Yes. Chase allows you to hold multiple cards at once, and you can earn a welcome bonus on each card as long as you haven't held that specific card within the past 24 months. For example, you can hold the Sapphire Preferred and the Freedom Unlimited simultaneously and earn bonuses on both if you're may be able to access for each.
What if I don't meet the spending requirement for the welcome bonus?
If you don't spend the required amount within the timeframe, you don't earn the bonus. There is no partial bonus or extension — the requirement is all-or-nothing. Plan your spending carefully or use the card for planned large purchases (like travel or home repairs) to reach the threshold.
Are Chase credit card offers the same for everyone?
No. Chase shows different offers to different people based on credit history, existing relationship with Chase, and sometimes location. A targeted mailer offer may be higher than the website offer. Always check the specific terms of the offer you're seeing before you explore.
Can I transfer my welcome bonus points to another card?
No. Welcome bonus points belong to the card you earned them on. You can redeem them through that card's rewards program, but you cannot move them to a different Chase card. Once you close the card, you typically have 30 days to redeem remaining points before they're forfeited.
How long does it take to receive a Chase credit card after approval?
Chase typically mails physical cards within 7 to 10 business days of approval. Some cards offer when ready card numbers for online shopping when ready after approval. You can check the status of your card in your Chase account or by calling the number on your approval letter.