Chase Credit Card Bonuses – February 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

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With the Chase Ink Business UnlimitedSM Credit Card: -Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening -Earn unlimited 1.5% cash back on every purchase made for your business -0% introductory APR for 12 months on purchases and balance transfers -Employee cards at no additional cost -No Annual Fee

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With the Ink Business Cash℠ Credit Card: -Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening -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 -Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year -Earn 1% cash back on all other card purchases with no limit to the amount you can earn -0% introductory APR for 12 months on purchases and balance transfers -Employee cards at no additional cost -No Annual Fee

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With the Ink Business Preferred℠ Credit Card: -Earn 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® -Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year -Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn -Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards -Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open -No foreign transaction fees -Employee cards at no additional cost -$95 Annual Fee

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With the Chase Freedom Unlimited® Card: -0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum -Unlimited 1.5% cash back on every purchase - it's automatic -Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening -No minimum to redeem for cash back -Cash Back rewards do not expire as long as your account is open -Free credit score, updated weekly with Credit JourneySM -No annual fee

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With the Chase Sapphire Preferred® Card: -Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards® -Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018 -2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases. -No foreign transaction fees -1:1 point transfer to leading airline and hotel loyalty programs -Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel -No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

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With the Chase Freedom® Card: -0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum -Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening -Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate -Enjoy new 5% categories each quarter -Unlimited 1% cash back on all other purchases - it's automatic -Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. -Free credit score, updated weekly with Credit JourneySM -No annual fee

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With the Southwest Rapid Rewards® Priority Credit Card: -Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. -7,500 bonus points after your Cardmember anniversary. -$75 Southwest® travel credit each year. -4 Upgraded Boardings per year when available. -20% back on in-flight drinks and WiFi. -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. -No foreign transaction fees.

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With the Southwest Rapid Rewards® Plus Credit Card: -Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. -3,000 bonus points after your Cardmember anniversary. -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. -Earn unlimited points that don't expire as long as your card account is open -All points earned with either card count towards Companion Pass -No blackout dates or seat restrictions -Redeem your points for flights, hotel stays, gift cards, access to events and more

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With the Southwest Rapid Rewards® Premier Credit Card: -Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. -6,000 bonus points after your Cardmember anniversary. -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. -Earn unlimited points that don't expire as long as your card account is open -No foreign transaction fees. -No blackout dates or seat restrictions. -Redeem your points for flights, hotel stays, gift cards, access to events and more.

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With the Chase IHG® Rewards Club Premier Credit Card: -Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening -Enjoy a Free Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a free reward night when you redeem points for any stay of 4 or more nights -Earn 10 points per $1 spent when you stay at an IHG hotel -Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases -Platinum Elite status as long as you remain a Premier card member -Global Entry or TSA Pre✓® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card -IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

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With the British Airways Visa Signature® Card: -Earn 4 Avios for every $1 spent on all purchases within your first year up to $30,000. That's up to 120,000 bonus Avios -Every calendar year you make $30,000 in purchases on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years. -4 Avios for every $1 spent on all purchases up to $30,000 in the first 12 months from account opening, you will then earn 3 Avios for every $1 spent on British Airways purchases and 1 Avios for every $1 spent on all other purchases. -Pay no foreign transaction fees when you travel abroad. -Simply tap to pay with your contactless British Airways Visa Signature Card. Just look for the contactless symbol at checkout. It's fast, easy and secure!

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With the Marriott Rewards® Premier Plus Credit Card: -Earn 75,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. -Get the card that helps you earn more with U.S. News & World Report's No.1 Hotel Rewards Program, Marriott Rewards. -Earn 6X points per $1 spent at over 6,700 participating Marriott Rewards & SPG hotels. -2X points for every $1 spent on all other purchases. -Automatic Silver Elite Status each account anniversary year. -Path to Gold Status when you spend $35,000 on purchases each account year. -15 Elite Night Credits each calendar year. -1 Free Night Award (valued up to 35,000 points) every year after account anniversary.

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With the Southwest Rapid Rewards® Premier Business Credit Card: -Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open. -6,000 bonus points after your Cardmember anniversary. -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. -Earn points on employee spending -Employee cards at no additional cost -No blackout dates when you redeem points, no seat restrictions, bags fly free®, and no change fees -No foreign transaction fees

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With the Chase Sapphire Reserve℠ Card: -Earn 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® -Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine -$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year -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. $0 foreign transaction fees. -Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel -1:1 point transfer to leading airline and hotel loyalty programs -Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select -Up to $100 application fee credit for Global Entry or TSA Pre✓®

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!