Chase Credit Card Bonuses – October 2019

Not only does Chase offer great bank accounts like the Chase Total Checking® + Chase Savings^SM or Chase Premier Plus Checking^SM accounts, they also offer excellent credit cards!

Chase is a consumer’s favorite, offering attractive sign-up bonuses for their credit cards and co-branded credit cards. Plus, they feature solid travel partners like JetBlue, Southwest Airlines, Hyatt, and Marriott!

As long as you are not a cardholder of a particular Chase card for 24 months, then you qualify to apply for the same card as a new customer.

Things You Should Know About Chase

1. Chase’s infamous 5/24 Rule may be a bummer. You won’t be approved for most Chase cards if you’ve received more than 5 new cards in the last 24 months. Though, not officially confirmed by Chase, this guideline applies to all new card accounts opened in the past 24 months, not just Chase cards.
2. You can get the sign up bonus on Chase cards more than one time. As long as you abide by the 5/24 Rule and it’s been at least 24 months since you’ve last received the bonus, it’s absolutely possible for you to get a Chase credit card sign-up bonus multiple times.
3. You’ll only be approved for two Chase cards per month. Generally, Chase won’t approve you for more than two of their cards per month. Business and personal credit cards are considered separate. Sometimes, you can get approved for three or more by calling in, but that is difficult.
4. Chase will match-up higher sign-up bonuses if you notify them within 90 days of application. If you sign up for a bonus and Chase increases the bonus amount within 90 days, contact them to have your bonus matched up. Though, if the annual fee is different, they will often reject your request. If they do approve, you’ll keep the lower annual fee, per the Credit CARD Act.
5. They not only offer generous credit card bonuses, but they also offer lavish checking & savings accounts bonuses. Earning $150-$300 on the total checking account and $150-$300 on the savings account are definitely common. You can read more on current Chase Bank bonuses if you’re interested.
6. If you apply for multiple Chase cards in one day, hard credit pulls will be combined. Business and personal inquiries will not be combined.
7. Participate in the Refer-A-Friend Program. Refer friends to the Chase credit cards you have. The typically bonus is $100 or 10,000 points for every referred friend. The bonus your friend receives and what is available regularly changes.
8. Expedite your cards with 1-2 day shipping. If your card is lost or stolen, they will expedite you a credit card via snail mail for free. Just be sure to contact Chase and make a request.
9. Call for reconsideration if you’re declined a credit card. You may be approved after they ask some basic questions. Make sure you have a valid reason for wanting the card, for example, a unique feature that the card offers. In addition, know your credit score and report, as different cards require different scores.
10. Check your application status online. Click on “Manage Accounts” under Customer Center. Then, find the “Check my application(s) status” under Open a New Account. You can also call (888) 338-2586.
11. There is no credit limit to the amount of Chase credit cards you can have. This is limited to how much credit you’re approved for. If you’re denied for a card, you can always request to transfer some of that credit limit to a new card.
12. See if you’re pre-approved for a card online. This feature only works on Chase branded cards (Chase Sapphire, Chase Freedom, etc.). It’s not available for Chase co-branded credit cards (Chase Southwest, Chase Marriott, etc.)
13. Asking for a credit limit increase will result in a hard credit pull.
14. Distributing your credit limits between existing cards will result in a soft credit pull. This is not an option if your increasing the credit limit on a card to more than $35,000. It will be a hard pull instead.
15. There is a $500 minimum credit limit on all Chase cards. If you’re opening or closing an account and you wan to transfer credit limits, keep in mind you need to keep a credit limit of at least $500 on each card.
16. It’s possible for Chase to pull from a different bureau if you freeze your report. If you want to limit the number of inquiries on one of your credit reports, you can freeze that. Usually, Chase will agree to pull your report from one of the other bureaus. If they don’t allow it, they’ll let you grant them a PIN, giving them access to the original report they wanted to pull.
17. Get your points posted sooner than normal. All you have to do is make the minimum spending requirement, then change the statement closing date to something sooner. Then, once the statement closes, the bonus points should be posted onto your account.
18. Change your statement closing date. Chase is flexible with your statement closing date usually when your account is in good standing.
19. Chase business credit cards don’t get reported to personal credit bureaus. This is great for keeping your credit report cleaner.
20. You won’t usually earn a retention bonus. However, it’s still worth calling. These bonuses or spending offers are generally given when you annual fee is coming, but it’s best to call in early for one.
21. Receive targeted spending bonuses. Chase often sends out targeted offers for spending on their cards on MyChaseBonus.com.
22. You usually have between 103 – 115 days after being approved to meet the minimum spend requirement. If you don’t make your minimum spend in time, it’s still worth the try to ask them for the bonus. Sometimes, they’ll give you it.
23. Chase allows product downgrades but only within the same brand. For example, if you have a Chase United MileagePlus Explorer Card and you want to change to a Chase United Card, it’s possible. But, you can’t exchange it for a British Airways co-branded card.
24. Participate in Chase Offers. Log into your account and add Chase Offers to your card. You can receive up to an extra 10% cash back or points for your purchases with your Chase credit cards.
25. Usually, Chase will refund the annual fee if you cancel within one or two statements. The rule varies among what card it is. However, if you forget to cancel your card and your annual fee is posted, you can get a refund. Just don’t stall too long!
26. A closed credit card account can be reinstated up to 30 days after you close it if you change your mind and decide you want the card.
27. If you make a partial or full payment and have auto pay set up, they will pull the full amount.

Best Chase Credit Card Bonuses

The Ink Business UnlimitedSM Credit Card offers $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening. You'll earn an unlimited 1.5% cash back on every purchase made for your business and you'll receive employee cards at no additional cost. This card carries no annual fee and you'll have the opportunity to take advantage of a 0% introductory APR for 12 months on purchases Learn More

The Chase Ink Business CashSM Card offers $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening. You'll earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year, 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, & % cash back on all other card purchases with no limit to the amount you can earn. This card comes with no annual fee. You'll be able to take advantage of employee cards at no additional cost & the 0% introductory APR for 12 months on purchases. Learn More About This Card

The Chase Ink Business PreferredSM Card offers 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®. You'll earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year; 1 point per $1 on all other purchases - with no limit to the amount you can earn. Furthermore, points are worth 25% more when you redeem for travel through Chase Ultimate Rewards. This card does come with a $95 annual fee but does not have any foreign transaction fees. Learn More

The Chase Freedom Unlimited® Card offers a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on all purchases. There is no minimum to redeem for cash back & your cash back rewards do not expire as long as your account is open. This card comes with no annual fee and you'll get a free credit score that is updated weekly with Credit JourneySM. Learn More About This Card

The Chase Sapphire Preferred® Card offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®! You'll earn 2X points on travel and dining at restaurants worldwide; 1 point per dollar spent on all other purchases. And when you redeem your points for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards, you'll get 25% more value! Learn More About This Card Here

The Chase Freedom® Card offers a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. You'll earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and an unlimited 1% cash back on all other purchases. You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. This card has no annual fee and you'll get a free credit score that's updated weekly with Credit JourneySM. Learn More

The Southwest Rapid Rewards® Priority Credit Card offers 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. In addition, you'll earn 7,500 bonus points after your Cardmember anniversary & get $75 Southwest® travel credit each year. You'll earn 2x points per $1 spent on Southwest® purchases & Rapid Rewards® hotel/car rental partner purchases; 1x point on all other purchases. Some perks include receiving 4 Upgraded Boardings per year when available, savings of 20% back on in-flight drinks and WiFi, and more! This card carries a $149 annual fee and no transaction fees. Learn More About This Card Here

The Southwest Rapid Rewards® Plus Credit Card offers 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. In addition, you'll earn 3,000 bonus points after your Cardmember anniversary. You'll earn 2x points per $1 spent on Southwest® purchases & Rapid Rewards® hotel/car rental partner purchases; 1x point on all other purchases - in which all points earned with either card count towards Companion Pass. You're able to redeem your your points for flights, hotel stays, gift cards, access to events & more! This card does carry a $69 annual fee. Learn More About This Card Here

The Southwest Rapid Rewards® Premier Credit Card offers 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. In addition, you'll earn 6,000 bonus points after your Cardmember anniversary. You'll earn 2x points per $1 spent on Southwest® purchases & Rapid Rewards® hotel/car rental partner purchases; 1x point on all other purchases. You're able to redeem your points for flights, hotel stays, gift cards, access to events and more. This card does carry a $99 annual fee, but there are no foreign transaction fee. Learn More About This Card Here up to 60,000 points. Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus, earn 20,000 points after you spend $12,000 on purchases in the first 12 months your account is open.

The IHG® Rewards Club Premier Credit Card offers 125,000 bonus points after spending $3,000 on purchases within the first three months of account opening. You'll earn 40X points total per $1 spent when you stay at an IHG hotel for the first 12 months - after that, 25X points. Furthermore, you'll earn 4X points on all other purchases for the first 12 months – after that, 2X points at gas stations, grocery stores, and restaurants and 1 point per $1 on all other purchases. This card offers several perks that you'll sure enjoy like: a free night after each account anniversary (you'll also receive a free night when you redeem points for any stay of 4 or more nights.) And as long as you're a cardmemeber, you'll have Platinum Elite status. This card has an annual fee of $89. Learn More

The British Airways Visa Signature® Card offers 50,000 bonus Avios after spending $3,000 within the first 3 months. You'll have the opportunity to earn an additional 50,000 bonus Avios after spending $20,000 within your first year of account opening. You'll earn 3X Avios for every $1 spent on British Airways, Aer Lingus, Iberia, and Level purchases & 2 Avios per $1 spent on hotel accommodations, plus 1 Avios per $1 spent on all other purchases. This card comes with a $95 annual fee and no foreign transaction fees. Learn More

The Southwest Rapid Rewards® Premier Business Card offers 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open in addition to 6,000 bonus points after your Cardmember anniversary. You'll earn 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases; 1 point per $1 spent on all other purchases. This card does carry a $99 annual fee and there are no foreign transaction fees. Learn More About This Card Here

The Chase Sapphire Reserve® offers 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®. You'll earn 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. When redeeming your points for travel through Chase Ultimate Rewards, you'll get 50% more value. This card does carry a $450 annual fee and there are no foreign transaction fees. However, you're able to earn a $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year & up to $100 application fee credit for Global Entry or TSA Pre✓®. Learn More About This Card Here

Other Chase Credit Card Bonuses

More Credit Card Bonuses

Didn’t find any Chase credit card bonuses you liked from this list? See our list of the best credit card promotions and their respective reviews to find the best one that suits your needs, here on BankCheckingSavings. In addition, if you’re interested in opening a new checking and/or savings account, you can find a collection of our best bank bonuses with some of our helpful guides listed on there if you need any additional information!

Chase Coupon Promo Codes for October 18, 2019: $200, $300, $350, $500, $625, $1250

Discover Savings Bonus: $150 or $200 Promotion (October 2019)

Huntington Bank Bonuses for October 17, 2019: $200, $400, & $750 Checking Promotions

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