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Chase credit cards: Best time to apply based on offer history

Credit card welcome bonus offers can change quickly and over time. Here's what to know about Chase's bonuses so you can know when to apply.

AAdmin
October 31, 2026
3 min read
Chase credit cards: Best time to apply based on offer history

Jump to section Facebook Twitter LinkedIn Copy URL Email The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information. Editor's Note This is a recurring post, regularly updated with new information and offers. With many of the best credit cards on the market, earning a generous welcome bonus is a quick way to receive a lot of value . These cards from Chase are no exception.

It's important to know, however, that welcome offers often change.

Let's say you're considering adding a new Chase card to your wallet. When is the best time to apply so you can earn the best offer? We have you covered.

Read on to learn more about the welcome offer history across both Chase's cash-back cards and those earning Chase Ultimate Rewards points.

Below are some of the most popular Chase credit cards , along with their highest-ever offers and our recommendations for when to apply.

Note that these are all publicly available offers; some individual, targeted bonuses may be higher than the offers listed here. Additionally, some of these offers may no longer be available.

Also, keep in mind that Chase factors in its 5/24 rule when you apply. Other factors can dictate whether or not you're eligible for a Chase welcome bonus .

Consider your current wallet setup and cross-check with the terms of whichever card you decide to apply for.

Chase Freedom Flex® Earn a $250 bonus after spending $500 on purchases in the first three months from account opening. When the offer is at least a $200 bonus. Chase Freedom Unlimited® Depending on your spending habits, the best offer is either: Earn unlimited double cash back for the first 12 months from account opening. Earn a $200 bonus after spending $500 on purchases in the first three months from account opening, plus earn 5% cash back on grocery store purchases (not including Target or Walmart; on up to $12,000 spent on these purchases) during the first year. When the offer is either: Double cash back. At least a $200 bonus, plus a bonus category for extra earnings during the first year. Chase Sapphire Preferred® Card Earn 100,000 bonus points after spending $4,000 on purchases in the first three months from account opening. When the offer is at least 75,000 bonus points. Chase Sapphire Reserve® Earn 150,000 bonus points after spending $6,000 on purchases in the first three months from account opening. When the offer is at least 125,000 bonus points. Chase Sapphire Reserve for Business℠ Earn 200,000 bonus points after spending $30,000 on purchases in the first six months from account opening. When the offer is at least 200,000 bonus points. Ink Business Cash® Credit Card Earn $1,000 cash back after spending $8,000 on purchases in the first four months from account opening. When the offer exceeds $750. Ink Business Preferred® Credit Card Earn 120,000 bonus points after spending $8,000 on purchases in the first three months from account opening. When the offer is at least 100,000 bonus points. Ink Business Premier® Credit Card Earn $1,000 cash back after spending $10,000 on purchases in the first three months from account opening. When the offer i…