Chase Credit Card Offer History: Best-Ever Offers and When You Should Apply

Offers for the Aer Lingus Visa Signature^® Card, Marriott Bonvoy Bold^® Credit Card, Marriott Bonvoy Boundless^® Credit Card, Chase Freedom Flex℠, Iberia Visa Signature^® Card and Southwest Rapid Rewards^® Premier Credit Card are not available through this site. Some offers may have expired. Please see our card marketplace for available offers

With a deep bench of credit cards that earn valuable rewards in various currencies, it's easy to see why Chase's offerings are among the most sought-after. But what differentiates a good offer from a fantastic offer? And when does it make sense to apply for one of these cards?

Here's a comprehensive look at the best-ever offers on Chase credit cards and when it makes sense to apply based on past offer history on each card's welcome bonus. For compliance reasons, we must point out that multiple offers discussed below aren't currently available. However, knowing what was previously available can help you know what to look for in a good credit card bonus offer.

Best-Ever Chase Card Offers

The table below highlights various Chase cards, showcasing the best-ever offers, the spending requirement and timeframe associated with them, when those offers were available, and when we recommend you apply for each card based on its offer history.

The “best-ever offer” represents the highest publicly available welcome bonus for the card. This label does not account for targeted offers that you might receive from Chase or its partners.

And before we get too much further, we'd be remiss not to mention Chase's infamous 5/24 rule. Each card mentioned in this post is subject to that rule, so bear that in mind before you complete an application.

Related: How To Check Your Chase 5/24 Status for Free

Chase Sapphire Cards

Chase offers two Sapphire cards that earn transferable Ultimate Rewards points and are loved by travelers everywhere. Here's a look at the offer history on these cards.

Chase Sapphire Preferred^® Card

Chase Sapphire Preferred^® Card

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Rates & Fees

Chase Sapphire Preferred^® Card

Annual Fee$95

Welcome Bonus Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

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Why We Like ItHighlightsEarning Rates

Our #1 recommended beginners rewards card featuring a 60,000-point signup bonus after you spend $5,000 on purchases in the first 3 months from account opening. This card comes with great benefits and earns valuable Ultimate Rewards points.

• Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
• 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Member FDIC
• Rates & Fees

• 5X points on Lyft rides through September 2027
• 5X points on travel purchased through Chase Travel℠
• 3X points on dining at restaurants worldwide
• 3X points on eligible streaming services
• 3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
• 2X points on all other travel
• 1X point per dollar spent on all other purchases

One of the best beginner's rewards cards, the Chase Sapphire Preferred^® Card is a fan favorite because of its Ultimate Reward-earning ability, extensive perks, and reasonable $95 annual fee.

Cardholders earn 5X Ultimate Rewards on travel purchased through Chase, 3X on dining at restaurants worldwide, 3X on online grocery purchases, 2X on all other travel, and 1X on everything else. There's no shortage of ways to earn Chase points by swiping the Sapphire Preferred. Ultimate Rewards go far, too

Welcome offers for the Sapphire Preferred range between 50,000 and 100,000 Ultimate Rewards after spending $4,000-$5,000 in three months.

The best welcome offer on the card was 100,000 Ultimate Rewards, but a special offer is anything above the standard 60,000-point bonus.

Related: Chase Sapphire Preferred Review

Chase Sapphire Reserve^®

Chase Sapphire Reserve^®

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Rates & Fees

Chase Sapphire Reserve^®

Annual Fee$550

Welcome Bonus Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

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Why We Like ItHighlightsEarning Rates

Chase's flagship Ultimate Rewards card. You get a $300 travel credit, airport lounge access courtesy of a Priority Pass membership and industry-leading travel insurance benefits. New cardholders earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

• Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
• Member FDIC
• Rates & Fees

• 10X points on hotels and car rentals purchased through Chase Travel℠
• 10X points on Chase Dining (including prepaid reservations and prepaid takeout purchased through Chase)
• 5X points on airfare purchased through Chase Travel℠
• 3X points on all other travel
• 3X points on dining at restaurants
• 1X points on all other purchases

As Chase's ultra-premium travel rewards card, the Chase Sapphire Reserve^® packs a punch. For a $550 annual fee, you should expect great perks, and the Sapphire Reserve delivers.

Cardholders earn 10X on hotels and rental car reservations made through Chase Travel, 10X on Chase Dining, 5X on airfare purchased through Chase, 3X on all other travel, 3X on dining at restaurants, and 1X on everything else.

But where the card shines most is in its benefits. From $300 in annual travel credits to lounge access, extensive insurance protections, and more, serious travelers can't go wrong with the Sapphire Reserve.

Welcome offers for the Sapphire Reserve range between 50,000 and 80,000 Ultimate Rewards after spending $4,000-$5,000 in three months. The card also launched with a 100,000-point welcome bonus in 2016, but it's unlikely we'll see that again.

The best-ever welcome offer on the card was 100,000 Ultimate Rewards, but a more reasonable elevated bonus to watch for is 75,000 points. We've only seen this offer once, so it's worth taking advantage of it if it ever comes around again. 60,000-point offers are respectable in their own right, representing the upper end of the most common offers seen on the card.

Related: Chase Sapphire Reserve Review

Chase Freedom Cards

The Freedom credit card family from Chase includes several of our favorite cash-back cards. Let's take a look at the best-ever offers on these cards.

Chase Freedom Unlimited^®

The Chase Freedom Unlimited is a cash-back powerhouse, earning 5% on travel purchased through Chase Travel℠, 3% on dining at restaurants and drugstores, and 1.5% on other eligible purchases. The card carries no annual fee, and the cash back you earn can be converted to Ultimate Rewards points if you hold a complementary Chase card.

Chase Freedom Unlimited^®

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Rates & Fees

Chase Freedom Unlimited^®

Annual Fee$0

Welcome Bonus Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

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Why We Like ItHighlightsEarning Rates

The everyday workhorse of the Ultimate Rewards family of cards earns 1.5% cash back on every purchase, every day of the week. While the Freedom Unlimited earns cash back on its own, the points earned become even more valuable when you hold an Ultimate Rewards card with the ability to transfer points to partners.

• Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
• No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC
• Rates & Fees

• Earn 5% on purchases through Chase Travel℠
• Earn 3% on dining at restaurants
• Earn 3% on drugstore purchases
• Earn 1.5% on all purchases

Welcome offers for the Freedom Unlimited range between $150 and $600 (or 15,000 and 60,000 Ultimate Rewards points, respectively) after spending between $500 and upwards of $20,000 in the first year. Offers will occasionally come with bells and whistles, such as the offer for unlimited matched cash back after the first year — no spending limit required.

Offers oscillate between $200 and $600 in cash back (or 20,000–60,000 in Ultimate Rewards) when there's a fixed bonus. For a no-annual-fee card, a $600 offer is incredible if you can max out the spending required to get it. But that said, an offer featuring unlimited matched cash back for the first 12 months is the best we've ever seen on the Freedom Unlimited.

Chase Freedom Flex℠

The Chase Freedom Flex is another fantastic cash-back credit card. Cardholders will earn 5% on rotating bonus categories (up to $1,500 per quarter), 5% on travel purchased through Chase, 3% on dining at restaurants and drugstore purchases and 1% on other eligible purchases. This card has no annual fee.

Chase Freedom Flex℠

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Chase Freedom Flex℠

Annual Fee$0

Welcome Bonus Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

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Earning Rates

• Earn 5% on up to $1,500 on combined purchases in bonus categories each quarter you activate
• Earn 5% on travel purchased through Chase Ultimate Rewards
• Earn 3% on dining at restaurants, including takeout and eligible delivery services
• Earn 3% on drugstore purchases
• Earn 1% on all other purchases

Welcome offers for the Freedom Flex don't stray from the standard $200 cash back (or 20,000 Ultimate Rewards if you combine your cash back) after you spend $500 on purchases in your first three months from account opening.

Welcome offers don't vary for the Freedom Flex. But in some instances, you'll find the card offering a limited-time bonus category, such as 5% cash back on grocery purchases. It makes the most sense to jump on offers that add that small extra.

Related: Chase Freedom Flex Categories — Earn 5% Cash Back

Chase Ink Business Cards

For small businesses, the Chase Ink card family offers four excellent products. Here are the best-ever offers on some of the bank's most valuable small business credit cards.

Ink Business Cash^® Credit Card

One of the best no-annual-fee business cards on the market, the Chase Ink Cash offers up to 5% cash back on purchases in several popular business categories. That tremendous earning power becomes even more valuable if you also hold an Ultimate Rewards card with access to Chase's transfer partners.

Ink Business Cash^® Credit Card

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Rates & Fees

Ink Business Cash^® Credit Card

Annual Fee$0

Welcome Bonus Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening

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Why We Like ItHighlightsEarning Rates

Features a up to $750 cash back signup bonus, and you earn 5% cash back on a select range of business expenses on the first $25,000 spent each year.

• Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after 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 purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% introductory APR for 12 months on purchases
• Member FDIC
• Rates & Fees

• 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
• 1% cash back on all other card purchases with no limit to the amount you can earn

The Ink Cash earns 5% cash back at office supply stores and on cellular phone, landline, internet and cable TV services and 2% cash back at gas stations and restaurants on the first $25,000 spent in combined purchases each account anniversary year. Plus, you'll earn 1% cash back on other eligible purchases.

Welcome offers on the Ink Cash range from $500 to $900 after spending between $3,000 and $7,500 in the first three to six months of account activation.

As history shows, when offers get lucrative, they get really lucrative. Jump on a $900 offer if you can.

Related: Chase Ink Cash Review

Ink Business Unlimited^® Credit Card

Another formidable no-annual-fee business card, the Chase Ink Business Unlimited earns a flat 1.5% cash back on every eligible purchase made for your small business. There are no special categories to keep track of, which makes card management incredibly simple. And just like the Ink Cash, these rewards can be combined with those from other Ultimate Rewards cards to maximize your value.

Ink Business Unlimited^® Credit Card

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Rates & Fees

Ink Business Unlimited^® Credit Card

Annual Fee$0

Welcome Bonus Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

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Why We Like ItHighlightsEarning Rates

The best business card to earn Ultimate Rewards on non-bonus purchases, you receive a $750 cash back bonus after you spend $6,000 on purchases in the first 3 months from account opening. Earn 1.5% back on all business expenses.

• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Member FDIC
• Rates & Fees

• Earn unlimited 1.5% cash back on every purchase made for your business

Welcome offers on the Ink Unlimited range from $500 to $900 after spending $3,000 to $7,500 within the first three months after opening your account.

The game plan with the Ink Unlimited is the same as the Ink Cash. Jump on a $900 welcome offer when you can. It's one of the most valuable offers ever on a no-annual-fee card.

Related: Chase Ink Unlimited Review

Ink Business Preferred^® Credit Card

The Chase Ink Business Preferred is a powerful earner that's sure to reward your small business spending handsomely. In exchange for a $95 annual fee, cardholders earn 3x points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, and advertising purchases made with social media sites and search engines each account anniversary year. For everything else, the rate of return is 1x.

Ink Business Preferred^® Credit Card

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Rates & Fees

Ink Business Preferred^® Credit Card

Annual Fee$95

Welcome Offer Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

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Why We Like ItHighlightsEarning Rates

The most valuable Ultimate Rewards signup bonus on offer and our top pick for small business rewards cards. Business owners earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Plus, earn up to 450,000 points per year on a wide range of 3X bonus categories.

• Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
• 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
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC
• Rates & Fees

• 3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
• 1X point per $1 on all other purchases

Welcome offers on the Ink Preferred typically offer 80,000 to 100,000 Ultimate Rewards points after spending between $8,000 and $15,000 in the first three months of account activation. However, offers have gone as high as 120,000 points. But anything above 100k points is worth an application.

Related: Chase Ink Preferred Review

Ink Business Premier^® Credit Card

Ink Business Premier^® Credit Card

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Rates & Fees

Ink Business Premier^® Credit Card

Annual Fee$195

Welcome Bonus Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.

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Why We Like ItHighlightsEarning Rates

The Ink Business Premier℠ Credit Card is tailored for businesses with significant spending, offering robust cash back and travel benefits. It features unlimited 2.5% cash back on purchases of $5,000 or more, and 2% back on all other business purchases. For travel, it provides 5% cash back on bookings through Chase Travel℠, with additional travel protections like trip cancellation/interruption insurance and an auto rental collision damage waiver. The card includes purchase protection, extended warranty, and up to $1,000 cell phone protection per claim. Additionally, it offers employee cards at no extra cost, complete with spending controls and monitoring tools. Despite its $195 annual fee, the card's high cash back rates and suite of business-focused features make it a valuable tool for high-spending businesses.

• Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
• Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
• Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
• The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
• Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
• Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
• There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
• Member FDIC
• Rates & Fees

• 5% cash back on travel purchases through the Chase Travel℠ portal
• 2.5% cash back on purchases of $5,000 or more
• 2% cash back on all other purchases

Lastly, the $195 annual fee Ink Business Premier^® Credit Card is Chase's most premium Ink business card. Small businesses will earn 5% cash back on travel purchases made through the Chase portal, 2.5% on purchases of $5,000 or more, and 2% on everything else.

There's only been one public offer on the Ink Premier: $1,000 cash back after spending $10,000 in the first three months.

Related: Chase Ink Premier Review

Aeroplan Card

Pivoting into the world of co-branded credit cards, Chase and Air Canada Aeroplan have teamed up to offer a card that earns Aeroplan points. Here's the offer history on that card.

Aeroplan^® Credit Card

Aeroplan^® Credit Card

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Rates & Fees

Aeroplan^® Credit Card

Annual Fee$95

Welcome Bonus Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open.

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Why We Like ItHighlightsEarning Rates

The Aeroplan^® Credit Card earns 3x points on grocery, dining, and Air Canada direct purchases. Cardholders receive 500 bonus points for every $2,000 you spend in a calendar month (up to 1,500 points per month), and earn a 10% bonus on Chase Ultimate Rewards point transfers to Aeroplan, enhancing point value. The card includes a free first checked bag for up to eight people on the same reservation, no foreign transaction fees, and a Global Entry/TSA PreCheck^®/NEXUS fee credit.

• Earn 75,000 bonus points
• Earn 75K bonus points after you spend $4,000 on purchases in the first 3 months your account is open.
• $95 Annual Fee
• Redeem points for both international and domestic flights with the Aeroplan® Credit Card.
• Fly to another continent and travel the world with the Aeroplan® Credit Card.
• Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly. Earn 1X point for each dollar spent on all other purchases.
• 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
• Member FDIC
• Rates & Fees

• 3x points directly with Air Canada
• 3x points on dining, including takeout and eligible delivery services
• 3x points at grocery stores
• 1x point on all other purchases

For Air Canada loyalists, the Aeroplan^® Credit Card is a valuable wallet addition for its points-earning abilities. Cardholders will earn 3X Aeroplan points on dining (including takeout and eligible delivery services), grocery stores, and purchases made directly with Air Canada. For everything else, you'll earn 1X.

The Aeroplan Card also carries many perks, including complimentary Aeroplan Elite 25K status for a year, preferred award pricing, travel protections, and more — all for a $95 annual fee.

Welcome offers for the Aeroplan Card range between 50,000 and 100,000 Aeroplan points after spending $3,000 to $20,000 in the first 12 months.

Based on the offer history for the Aeroplan Card, it makes the most sense to apply for offers greater than 70,000 points. The highest offers on the card require the most spending — upwards of $20,000 in certain instances. 100,000-point offers are the cream of the crop if you can meet the spending requirements, but slightly lower offers are equally as good if you can't realistically meet a high requirement.

Related: Aeroplan Card Review

Avios Airline Cards

Chase issues three cards that earn Avios — one of the most versatile airline mileage currencies out there. Here's a look at those cards.

Aer Lingus Visa Signature^® Card

Aer Lingus Visa Signature^® Card

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Aer Lingus Visa Signature^® Card

Annual Fee$95

Welcome Bonus Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.

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Why We Like ItEarning Rates

The Aer Lingus Visa Signature^® Card is designed for travelers who regularly fly Aer Lingus, British Airways, or Iberia. Cardholders earn 3 Avios per $1 spent on flights with these airlines and 2 Avios per $1 on hotel accommodations, plus 1 Avios per $1 on all other purchases. A notable perk is the annual economy companion ticket for spending $30,000 in a calendar year. Other benefits include priority boarding on eligible Aer Lingus flights and no foreign transaction fees.

• 3X Avios per $1 spent on purchases with Aer Lingus, British Airways, Iberia, and LEVEL
• 2X Avios per $1 spent on hotel accommodations
• 1X Avios for every $1 spent on all other purchases

For those looking for another way to earn Avios, the Aer Lingus Visa Signature^® Card has you covered. Cardholders will earn 3X Avios per $1 spent on Aer Lingus, British Airways, and Iberia flight purchases, 2X on hotel accommodations booked directly with the hotel, and 1X on everything else. The Aer Lingus Visa carries a $95 annual fee.

Welcome offers for the Aer Lingus Visa range between 75,000 and 100,000 Avios after spending between $5,000 and $20,000.

As the offer history shows, it's possible to get six digits worth of Avios simply by signing up for the Aer Lingus Visa, but these offers usually carry a high spending requirement.

Related: Aer Lingus Visa Review

British Airways Visa Signature^® Card

British Airways Visa Signature^® Card

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British Airways Visa Signature^® Card

Annual Fee$95

Welcome Bonus Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.

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Why We Like ItHighlightsEarning Rates

The British Airways Visa Signature^® Card is a great option for frequent flyers of British Airways and its partners. Cardholders earn 3 Avios per $1 on eligible British Airways, Aer Lingus, Iberia and LEVEL purchases, 2 Avios per $1 on hotel accommodations, and 1 point per $1 on all other purchases. A standout feature is the Travel Together Ticket, received after spending $30,000 annually, which offers a two-for-one deal on Avios bookings, or a 50% discount for solo travel. Additionally, the card offers up to $600 in reward flight statement credits per year, no foreign transaction fees, and 10% off British Airways flights from the US.

• Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
• Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL.
• Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.
• 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
• 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.
• 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!
• Member FDIC

• 3X Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL
• 2X Avios per $1 spent on hotel accommodations
• 1X Avios for every $1 spent on all other purchases

Another Avios-earning credit card with a bit more nuance, the British Airways Visa Signature^® Card earn 3X Avios per $1 spent on Aer Lingus, British Airways, and Iberia flight purchases, 2X on hotel accommodations booked directly with the hotel, and 1X on everything else. The card carries a $95 and packs some nice perks, such as a 10% discount when you book a British Airways flight from the U.S. to London.

Welcome offers for the British Airways Visa Card range between 50,000 and 120,000 Avios after spending between $5,000 and $30,000.

Based on offer history, high-Avios offers with a relatively low spending requirement occasionally appear on the card. A few examples include 75,000 to 100,000 Avios after spending $5,000 in the first three months. These offers have no strings attached and are worth taking advantage of.

Related: British Airways Visa Card Review

Iberia Visa Signature^® Card

Iberia Visa Signature^® Card

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Iberia Visa Signature^® Card

Annual Fee$95

Welcome Bonus Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.

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Why We Like ItEarning Rates

The Iberia Visa Signature^® Card members earn 3 Avios per $1 spent directly with Iberia, British Airways, LEVEL, and Aer Lingus, 2 Avios per $1 on direct hotel bookings, and 1 Avios per $1 on other purchases. Additionally, spending $30,000 annually on the card earns a $1,000 discount voucher for two tickets on the same Iberia flight. You pay no foreign transaction fees, and cardholders get a 10% discount on Iberia flights booked through a specific link.

• 3X Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and LEVEL
• 2X Avios per $1 spent on hotel accommodations
• 1X Avios for every $1 spent on all other purchases

Similar to both the Aer Lingus and British Airways Chase cards, the Iberia Visa Signature^® Card also earns 3X Avios per $1 spent on Aer Lingus, British Airways, and Iberia flight purchases, 2X on hotel accommodations booked directly with the hotel, and 1X on everything else. Cardholders can also take advantage of the 10% discount on flights booked using their card when reserving through Iberia.com/Chase10, plus a handful of other perks. The card carries a $95 fee.

Welcome offers for the Iberia Visa range between 75,000 and 100,000 Avios after spending between $5,000 and $20,000.

Based on offer history, high offers with a relatively low spending requirement occasionally appear for the Iberia Visa. A few offer examples include 75,000 to 100,000 Avios after spending $5,000 in the first three months. Anything in this range is worth applying for.

Related: Iberia Visa Review

IHG One Rewards Cards

Chase issues a few credit cards that earn IHG One Rewards. With unique properties all over the globe, there are plenty of reasons why you'd want to snag a best-ever offer on one of these cards.

IHG One Rewards Traveler Credit Card

IHG One Rewards Traveler Credit Card

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IHG One Rewards Traveler Credit Card

Annual Fee$0

Welcome Bonus Earn 120,000 Bonus Points after spending $2,000 on purchases within the first 3 months of account opening.

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Why We Like ItHighlightsEarning Rates

The IHG One Rewards Traveler Card features a solid welcome bonus of 120,000 bonus points after spending $2,000 on purchases within the first 3 months of account opening , no foreign transaction fees, fourth night free on award bookings, and no annual fee.

• Our Highest Points Offer of 2025! Earn 120,000 Bonus Points
• No Annual Fee
• Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts
• Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases
• No Foreign Transaction Fees
• Redeem 3 Nights, Get the 4th Night Free
• IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
• Member FDIC
• Rates & Fees

• 17X points total per $1 spent when you stay at an IHG hotel
• 3X points per $1 spent on dining, utilities, select streaming services, and at gas stations
• 2X points per $1 spent on all other purchases

The earning for spending at IHG hotels breaks down as follows:

• Earn 5X points for being a IHG One Rewards Traveler Credit Cardmember
• Earn 2X points from IHG^® with Silver Elite Status, a benefit of this Card
• Earn 10X points from IHG^® for being an IHG^® Rewards Club Member (Being a cardholder is not required to earn this bonus for participating in the IHG^® loyalty program)

As the no-fee IHG credit card option from Chase, the IHG One Rewards Traveler Credit Card isn't the most rewarding IHG co-branded card, but there are plenty of earning-related reasons to keep it in your wallet. Cardholders will earn 17X points per $1 spent on stays at an IHG hotel, 3X on dining, utilities, gas, and select streaming services, and 2X on everything else.

Welcome offers for the IHG One Rewards Traveler Card range between 60,000 and 120,000 One Rewards points after spending $2,000.

This card has seen many different offers, but six-figure welcome bonuses for spending $2,000 in the first three months following account opening are possible and the ones most worth taking advantage of. Don't settle for anything less than 100,000 One Rewards points.

Related: IHG One Rewards Traveler Card Review

IHG One Rewards Premier Credit Card

IHG One Rewards Premier Credit Card

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IHG One Rewards Premier Credit Card

Annual Fee$99

Welcome Bonus Earn 5 Free Nights after spending $5,000 on purchases in the first 3 months from account opening.

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Why We Like ItHighlightsEarning Rates

The IHG One Rewards Premier Credit Card is packed with benefits for IHG fans, and we rate it one of the best co-brand hotel cards you can have in your wallet. Cardholders earn up to 26X points per $1 at IHG properties (including points multipliers from your elite status), 5X points on travel, dining, and at gas stations, and 3X points on all other purchases. An attractive feature is the automatic upgrade to Platinum Elite status, enhancing your hotel stay experience. The card also offers a valuable Anniversary Free Night each year, and a fourth Reward Night free when redeeming points for a stay of four or more nights. Additional perks include a 20% discount on point purchases, no foreign transaction fees, comprehensive travel and purchase protections, and a Global Entry, TSA PreCheck, or NEXUS credit every four years.

• Our Best Offer of 2025! Earn 5 Free Nights
• Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
• Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
• Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
• Automatic Platinum Elite status as long as you remain a Premier cardmember
• Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
• IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
• Member FDIC
• Rates & Fees

• Earn 26 points total per $1 spent when you stay at an IHG hotel
• 5X points per $1 spent on purchases on travel, gas stations, and restaurants
• 3X points per $1 spent on all other purchases

The earning for spending at IHG hotels breaks down as follows:

• Earn 10X points for being a IHG One Rewards Premier Credit Card member
• Earn 6X points from IHG^® with Platinum Elite Status, a benefit of having this card
• Earn 10X points from IHG^® for being an IHG^® One Rewards member (Being a cardholder is not required to earn this bonus for participating in the IHG^® loyalty program)

The IHG One Rewards Premier Credit Card is a One Rewards-earning powerhouse. You'll earn up to 26X points per $1 spent on IHG hotel stays, 5X on travel, gas, and restaurant purchases, and 3X on everything else. If you spend on the card with frequency (especially at IHG properties), you'll have a hefty One Rewards balance in no time.

The $99 annual fee card also offers many headline perks, such as complimentary Platinum Elite status, a TSA PreCheck or Global Entry credit, and more.

Welcome offers for the IHG One Rewards Premier Card range between 80,000 and 175,00 One Rewards points after spending between $2,000 and $3,000 for points bonuses, up to an offer of 5 free nights valued at up to 60,000 points each for free night bonuses.

Based on history, we see many high-point offers on the IHG One Rewards Premier Card. It's worth shooting for offers greater than 140,000 IHG One Rewards points.

Related: IHG One Rewards Premier Card Review

IHG One Rewards Premier Business Credit Card

IHG One Rewards Premier Business Credit Card

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Rates & Fees

IHG One Rewards Premier Business Credit Card

Annual Fee$99

Welcome Bonus Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening

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Why We Like ItHighlightsEarning Rates

The IHG One Rewards Premier Business Credit Card earns up to 26x points at IHG Hotels & Resorts, plus 5x on travel, gas stations, dining, and social media advertising, and 3x on all other purchases. Cardholders enjoy an anniversary free night, automatic Platinum Elite status, and a Global Entry, TSA PreCheck, or NEXUS application fee credit, making it perfect for frequent travelers who favor IHG properties.

• Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
• Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
• Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
• Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
• Automatic Platinum Elite status as long as you remain a Premier Business cardmember
• Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
• IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
• Member FDIC
• Rates & Fees

• Earn 26x total points per $1 spent when you stay at an IHG hotel
• 5X points per $1 spent on travel, dining, social media search engine advertising, and at office supply stores and gas stations
• 3X points per $1 spent on all other purchases

The earning for spending at IHG hotels breaks down as follows:

• Earn 10X points for charging your stay to your IHG One Rewards Premier Business Credit Card
• Earn 6X bonus points for having IHG^®Platinum Elite Status, a benefit of having this card
• Earn 10X base points for being an IHG^® One Rewards Member (Being a cardholder is not required to earn this bonus for participating in the IHG^® loyalty program)

As the business variant of the IHG One Rewards Premier Credit Card, the IHG One Rewards Premier Business Credit Card earns an identical 26X points per $1 spent on IHG hotel stays but features 5X earnings on travel, dining, social media and search engine advertising, office supply stores, and gas stations. For everything else, cardholders will earn 3X per $1 spent.

Welcome offers for the IHG One Rewards Business Card range between 140,000 and 200,000 One Rewards points after spending between $4,000 and $9,000.

There's not much to the offer history on the IHG One Rewards Business Card, but we'd like to think anything above 140,000 IHG One Rewards points is a high-quality offer for this $99-annual-fee business card.

Related: IHG One Rewards Business Card Review

Marriott Bonvoy Credit Cards

The Chase-issued Marriott Bonvoy cards are a great option when choosing the best Marriott credit card. Here’s an overview of the best-ever Chase Marriott Bonvoy card offers.

Marriott Bonvoy Bold^® Credit Card

As Marriott's entry-level card, the Marriott Bonvoy Bold offers impressive rewards for a no-annual-fee rewards card. Cardholders can earn 3X Bonvoy points per $1 spent at Marriott Bonvoy hotels, 2X points for every $1 spent on other travel purchases, and 1 point per $1 on all other purchases. Despite its simplicity, this card is an excellent option to earn Marriott Bonvoy points without the burden of an annual fee.

Marriott Bonvoy Bold^® Credit Card

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Marriott Bonvoy Bold^® Credit Card

Annual Fee$0

Welcome Bonus Earn 60,000 bonus points + 1 Free Night Award after spending $2,000 on eligible purchases within the first 3 months of account opening. Free Night Award valued up to 50,000 points. Certain hotels have resort fees.

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Earning Rates

• 3X points for every $1 spent at over 7,000 participating Marriott Bonvoy hotels
• 2X points on other travel purchases (from airfare to taxis and trains)
• 1X point on all other purchases

Welcome offers on the Bonvoy Bold range from 30,000 to 60,000 Bonvoy points after spending $1,000 to $2,000.

Offers on the Bonvoy Bold oscillate between 30,000 points and 50–60,000 points. Despite the incrementally higher spending requirement, snagging an offer that awards 50,000 or more Bonvoy points is worth the application — especially if there's a free night award attached.

Marriott Bonvoy Boundless^® Credit Card

One step above the Bonvoy Bold, the Marriott Bonvoy Boundless packs a more rewarding punch. With a $95 annual fee, this card earns 6X Bonvoy points per $1 spent participating Marriott Bonvoy hotels, 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining, and 2X points per $1 on all other purchases. Additionally, you'll receive a free night award (worth up to 35,000 points) on each account anniversary.

Marriott Bonvoy Boundless^® Credit Card

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Marriott Bonvoy Boundless^® Credit Card

Annual Fee$95

Welcome Bonus Earn five bonus Free Night Awards after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy^® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy^®. Certain hotels have resort fees.

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Earning Rates

• Earn 6X Bonvoy points per $1 spent participating Marriott Bonvoy hotels, 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining, and 2X points per $1 on all other purchases
• Earn 3 Marriott Bonvoy^® points for every $1 on the first $6,000 spent in combined purchases each year on gas stations, grocery stores, and dining
• Earn 2X Bonvoy points for every $1 spent on all other purchases

Welcome offers on the Marriott Boundless fluctuate between points and a few free nights. Point offers range between 75,000 and 125,000 points after spending between $3,000 and $5,000. Offers featuring free nights instead of points range from three to five Free Night Awards.

Depending on whether you value Bonvoy points or free nights, there are a few recommendations here. For point chasers, quality welcome offers are those greater than or equal to 100,000 Bonvoy points. For those who prefer Free Night Awards (the more common of the offers on the card), a five-night offer is preferable, although those offers are few and far between.

Southwest Airlines Cards

One of the most iconic airlines in the United States, Southwest has a large route map that can likely get you where you need to go. And when you use the miles you earn from one (or a couple) of five co-branded credit cards, you can get there much cheaper. Here's a snapshot of the best-ever offers on Chase-issued Southwest credit cards.

Related: Lots to Love: 6 Reasons Why Southwest Rapid Rewards Is the Easiest Airline Loyalty Program

Southwest Rapid Rewards^® Plus Credit Card

Southwest Rapid Rewards^® Plus Credit Card

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Rates & Fees

Southwest Rapid Rewards^® Plus Credit Card

Annual Fee$69

Welcome Bonus Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Why We Like ItHighlightsEarning Rates

The Southwest Rapid Rewards^® Plus Credit Card is the most cost-effective option for enjoying Southwest benefits. Cardholders receive 2 EarlyBird Check-Ins per year, 25% back on inflight purchases, and a boost of 10,000 Companion Pass qualifying points annually, all at a lower annual fee compared to other Southwest-branded cards. The card offers 3,000 anniversary points, 2 points per $1 spent on Southwest purchases, Rapid Rewards hotel and car rental partners, local transit, commuting (including rideshare), internet, cable, phone services, and select streaming.

• Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
• 3,000 anniversary points each year.
• Earn 2X points on Southwest® purchases.
• Earn 2X points on local transit and commuting, including rideshare.
• Earn 2X points on internet, cable, and phone services; select streaming.
• 2 EarlyBird Check-In® each year.
• Earn 1 point for every $1 spent on all other purchases.
• Member FDIC
• Rates & Fees

• 2X points per $1 spent on Southwest^® purchases and Rapid Rewards^® Hotel and Car Rental Partner purchases
• 2X points per $1 spent on local transit and commuting, including rideshare
• 2X points per $1 spent on internet, cable, phone services, and select streaming services
• 1X point per $1 spent on all other purchases

The Southwest Rapid Rewards^® Plus Credit Card is the most affordable in Southwest's lineup of consumer credit cards, carrying just a $69 annual fee. For Southwest lovers, the card earns Rapid Rewards points at a reasonable clip: 2X points per $1 spent on Southwest purchases, 2X on Rapid Rewards hotel and car rental purchases, 2X on local transit and commuting, and 2X on internet, cable, phone, and select streaming. For everything else, cardholders will earn 1X.

Welcome offers on the Southwest Plus Card range from 30,000 to 100,000 Rapid Rewards points after spending between $1,000 and $12,000.

If one thing is clear across the lengthy offer history, the Southwest Plus Card features cyclical high-point offers. About once a year in the spring, an offer comes around featuring roughly 30,000 points plus a complimentary Companion Pass good for a year. For those who can take advantage of a Companion Pass, these offers are hard to pass up.

Related: Southwest Plus Card Review

Southwest Rapid Rewards^® Premier Credit Card

Southwest Rapid Rewards^® Premier Credit Card

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Southwest Rapid Rewards^® Premier Credit Card

Annual Fee$99

Welcome Bonus Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Earning Rates

• 3X points per $1 spent on all Southwest^® purchases
• 2X points per $1 spent on all Rapid Rewards^® Hotel and Car Rental Partner purchases
• 2X points per $1 spent on local transit and commuting, including rideshare
• 2X points per $1 spent on internet, cable, phone services, and select streaming services
• 1X point per $1 spent on all other purchases

The Southwest Rapid Rewards^® Premier Credit Card is Southwest's mid-tier consumer credit card option. Boasting a $99 annual fee, the card awards 3X Rapid Rewards per $1 spent on Southwest purchases, 2X on Rapid Rewards hotel and car rental purchases, 2X on local transit and commuting, and 2X on internet, cable, phone, and select streaming. For everything else, cardholders will earn 1X.

Welcome offers on the Southwest Premier Card range from 30,000 to 100,000 Rapid Rewards points after spending between $1,000 and $12,000.

Similar to the Southwest Plus Card, an offer featuring a year of Companion Pass comes around about once per year in the spring. This offer is valuable if you can maximize a Companion Pass. Otherwise, securing a 50,000-point offer is a great consolation prize.

Related: Southwest Premier Card Review

Southwest Rapid Rewards^® Priority Credit Card

Southwest Rapid Rewards^® Priority Credit Card

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Rates & Fees

Southwest Rapid Rewards^® Priority Credit Card

Annual Fee$149

Welcome Bonus Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Why We Like ItHighlightsEarning Rates

The Southwest Rapid Rewards^® Priority Credit Card is packed with features for Southwest fans. Cardholders receive a $75 annual Southwest travel credit and 7,500 anniversary points each year. The card offers 3X points on Southwest purchases, 2X points on Rapid Rewards hotel and car rental partner purchases, local transit, and commuting, including rideshare, internet, cable, phone services, and select streaming, and 1X points on all other purchases. Exclusive cardmember benefits include 4 Upgraded Boardings per year, 25% back on inflight purchases, and a 10,000 Companion Pass qualifying points boost annually. Additional features are no foreign transaction fees, comprehensive travel and purchase protections, contactless payment, and instant access to the card when added to a digital wallet​.

• Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
• 7,500 anniversary points each year.
• Earn 3X points on Southwest® purchases.
• Earn 2X points on local transit and commuting, including rideshare.
• Earn 2X points on internet, cable, and phone services; select streaming.
• $75 Southwest® travel credit each year.
• No foreign transaction fees.
• Member FDIC
• Rates & Fees

• 3X points per $1 spent on all Southwest^® purchases
• 2X points per $1 spent on all Rapid Rewards^® Hotel and Car Rental Partner purchases
• 2X points per $1 spent on local transit and commuting, including rideshare
• 2X points per $1 spent on internet, cable, phone services, and select streaming services
• 1X point per $1 spent on all other purchases

The upper echelon of Southwest's consumer credit card offerings, the Southwest Rapid Rewards^® Priority Credit Card earns similarly to the Southwest Premier card but features a nominally higher $149 annual fee.

The card earns 3X Rapid Rewards per $1 spent on Southwest purchases, 2X on Rapid Rewards hotel and car rental purchases, 2X on local transit and commuting, and 2X on internet, cable, phone, and select streaming. For everything else, cardholders will earn 1X. But what separates this card from its lower-fee companion is an annual $75 Southwest travel credit.

Welcome offers on the Southwest Priority Card range from 30,000 to 100,000 Rapid Rewards points after spending between $1,000 and $12,000.

Like the other Southwest personal credit cards, we see an offer with a complimentary Companion Pass benefit about once a year. If those offers aren't for you, chase offers of 75,000 Rapid Rewards points or greater.

Related: Southwest Priority Card Review

Southwest^® Rapid Rewards^® Premier Business Credit Card

Southwest^® Rapid Rewards^® Premier Business Credit Card

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Rates & Fees

Southwest^® Rapid Rewards^® Premier Business Credit Card

Annual Fee$99

Welcome Bonus Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.

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Why We Like ItHighlightsEarning Rates

The Southwest Rapid Rewards^® Premier Business Credit Card is designed for business travelers frequenting Southwest Airlines. Key benefits include earning 3X points on Southwest purchases, 2X points on Rapid Rewards hotel and car rental partner purchases, local transit, and commuting (including rideshare), and 1X points on all other purchases. Cardholders receive 6,000 anniversary points each year, 2 EarlyBird Check-Ins annually, and 25% back on inflight purchases. Additional features include earning unlimited tier qualifying points towards A-List status, up to $500 in statement credits annually for points transfers, and comprehensive travel and purchase protections, plus you'll pay no foreign transaction fees.

• 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.
• Earn 3X points on Southwest Airlines® purchases.
• Earn 2X points on Rapid Rewards® hotel and car rental partners.
• Earn 2X points on rideshare.
• 1 point per $1 spent on all other purchases.
• 2 EarlyBird Check-In® each year.
• Member FDIC
• Rates & Fees

• 3X points per $1 spent on Southwest^® purchases
• 2X points per $1 spent on Rapid Rewards^® Hotel and Car Rental Partner purchases
• 2X points per $1 spent on local transit and communting, including rideshare
• 1X point per $1 spent on all other purchases

One of two Southwest business cards issued by Chase, the Southwest^® Rapid Rewards^® Premier Business Credit Card is a $99-annual-fee product that will reward small business spending in a few ways. Cardholding businesses will earn 3X Rapid Rewards per $1 spent on Southwest purchases, 2X on Rapid Rewards hotel and car rental purchases, 2X on local transit and commuting, and 1X on everything else.

Welcome offers on the Southwest Premier Business Card range from 60,000 to 120,000 Rapid Rewards after spending between $3,000 and $15,000.

While the offer history on the card is limited, the most common offer is 60,000 Rapid Rewards points. There's nothing wrong with the 60,000-point offer, but it is worth waiting for a higher offer if you can.

Related: Southwest Premier Business Card Review

Southwest^® Rapid Rewards^® Performance Business Credit Card

Southwest^® Rapid Rewards^® Performance Business Credit Card

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Rates & Fees

Southwest^® Rapid Rewards^® Performance Business Credit Card

Annual Fee$199

Welcome Bonus Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.

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Why We Like ItHighlightsEarning Rates

The latest card to join the Southwest lineup of rewards cards, the Southwest Performance Business Card offers the highest Rapid Rewards signup bonus, earns more points than its Southwest counterparts, receives a massive 9,000-point anniversary bonus, plus offers plenty of perks and benefits for Southwest fans. One of the best co-brand business cards on the market.

• Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
• 9,000 bonus points after your Cardmember anniversary.
• Earn 4X pts on Southwest® purchases.
• Earn 3X points on Rapid Rewards® hotel and car rental partners.
• Earn 2X points on rideshare.
• Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
• 4 Upgraded Boardings per year when available.
• Member FDIC
• Rates & Fees

• 4X points per $1 spent on Southwest^® purchases
• 3X points per $1 spent on Rapid Rewards^® hotel and car partners
• 2X points per $1 spent on social media and search engine advertising, Internet, cable and phone services
• 2X points per $1 spent on rideshare
• 1X point per $1 spent on all other purchases

The second (and slightly more premium) Southwest business card earns more lucratively than its lower-fee counterpart. The Southwest^® Rapid Rewards^® Performance Business Credit Card earns an outsized 4X Rapid Rewards points per $1 spent on Southwest purchases, 3X on Rapid Rewards hotel and car partner reservations, 2X on social media, search engine advertising, internet, cable, and phone services, 2X on rideshare, and 1X on all else. This card carries a $199 annual fee.

Welcome offers on the Southwest Performance Business Card range from 70,000 to 120,000 Rapid Rewards after spending between $5,000 and $25,000.

As history shows, the most common offer on this card is around 80,000 Rapid Rewards points after a reasonable amount of spending in the first three months.

Related: Southwest Performance Business Card complete review

United Airlines Cards

United Airlines credit cards exist for just about every type of traveler. And no matter which kind of traveler you are, there's a best-ever offer on a MileagePlus-earning card that will surely fit you. Here are the best-ever offers on a variety of United cards.

Related: Which United Credit Card Is Right for You?

The New United Gateway℠ Card

The New United Gateway℠ Card

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Rates & Fees

The New United Gateway℠ Card

Annual Fee$0

Welcome Bonus Limited-Time Offer: Earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases. Then, a Variable APR of 20.49% - 28.99% will apply.

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Why We Like ItHighlightsEarning Rates

The United Gateway℠ Card is the entry-level United card, offering 2X miles on United purchases, gas stations, and local transit and commuting, including rideshare. Additionally, it provides 25% back as a statement credit on inflight and Club premium drink purchases with United. This card has no annual fee and no foreign transaction fees, enhancing its value for international travel. Other notable features include Auto Rental Collision Damage Waiver, and Trip Cancellation/Interruption Insurance.

• Limited-Time Offer: Earn 30,000 bonus miles
• 0% intro APR for the first 12 months from account opening on purchases & no annual fee.
• 2x miles on United® purchases
• 2x miles at gas stations, on local transit and commuting
• 1x mile on all other purchases
• 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card
• Earn 2 checked bags after you spend $10,000 in a calendar year
• Member FDIC
• Rates & Fees

• 2 miles per $1 spent on United^® purchases
• 2 miles per $1 spent at gas stations, on local transit and commuting
• 1 mile per $1 spent on all other purchases

The New United Gateway℠ Card is a nifty, no-annual-fee product that rewards infrequent United travelers the most. Cardholders will earn 2X United MileagePlus miles per $1 spent on United purchases, 2X at gas stations, and 2X on local commuting, plus 1X on everything else.

Welcome offers on the United Gateway Card range from 10,000 to 30,000 MileagePlus miles after spending between $1,000 and $3,000 in the first three months.

Based on the offer history, the best you can do is snag a 30,000-mile offer for $1,000 in spending in the first three months of account opening. Many offers also include a 0% introductory APR period.

Related: United Gateway Card Review

The New United℠ Explorer Card

The New United℠ Explorer Card

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Rates & Fees

The New United℠ Explorer Card

Annual Fee$0 intro annual fee for the first year, then $150

Welcome Offer Limited-Time Offer: Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

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Why We Like ItHighlightsEarning Rates

The New United℠ Explorer Card is Chase's mid-tier United card, providing an excellent mix of functional benefits and value. Notable perks include a credit of up to $120 every four years for Global Entry, TSA PreCheck^®, or NEXUS fees​​, priority boarding​​, and a free first checked bag for the cardmember and a traveling companion on the same reservation, offering up to $160 in savings​​. Additionally, cardholders receive 25% back on inflight purchases of food, beverages, and Wi-Fi on United-operated flights​​, and two one-time United Club℠ passes annually​​.

• Limited-Time Offer: Earn 60,000 bonus miles
• $0 introductory annual fee for the first year, then $150
• 2x miles on United® purchases, dining, and hotel stays when booked with the hotel
• Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
• Free first checked bag - a savings of up to $160 per roundtrip. Terms Apply.
• Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit
• Earn a $100 United travel credit after spending $10,000 on purchases with your United℠ Explorer Card within a calendar year
• Over $400 in partner credits each year
• Member FDIC
• Rates & Fees

• 2X miles per $1 spent on purchases from United^®
• 2X miles per $1 spent on dining and hotel stays when booked with the hotel
• 1X mile per $1 spent on all other purchases

Carrying no annual fee for the first year, then $150, The New United℠ Explorer Card is a step above the lowest-tier United Gateway Card. This card earns 2X United MileagePlus miles per $1 spent on United purchases, 2X on restaurant spending and hotel stays booked with the hotel, and 1X on everything else. Flight perks include a free first checked bag, TSA PreCheck, NEXUS, or Global Entry statement credits, and more.

Welcome offers on the United Explorer Card range from 40,000 to 80,000 MileagePlus miles after spending between $2,000 and $6,000.

The most common (and reasonable) offer on the card is 60,000 MileagePlus miles after spending $3,000 on purchases in the first three months of account opening. Higher offers, such as the 80,000-mile offer, come about periodically but require twice as much spending as the more common 60,000-mile offer.

Related: United Explorer Card Review

The New United Quest℠ Card

The New United Quest℠ Card

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Rates & Fees

The New United Quest℠ Card

Annual Fee$350

Welcome Bonus Limited-time Offer: Earn 70,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.

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Why We Like ItHighlightsEarning Rates

The United Quest Card offers a great mix of benefits that should easily cover the cost of its annual fee over the long term. Unique perks include a $200 United travel credit, annual 10,000-mile award flight discount, 2 free checked bags, and priority boarding.

• Limited-time Offer: Earn 70,000 bonus miles and 500 PQP
• 3x miles on United® purchases
• 2x miles on dining, select streaming services, and all other travel
• 1x mile on all other purchases
• Receive a $200 United® travel credit and 10,000-mile award flight discount on each account anniversary
• Earn a 10,000-mile award flight discount after spending $20,000 each calendar year to use toward an eligible award flight
• Earn 2 global Economy Plus® seat upgrades after spending $40,000 on purchases each calendar year
• Get a jump start on earning Premier status with 1,000 Card Bonus PQP each year, awarded within 6 to 8 weeks after February 1 each year, starting in 2026.
• Member FDIC
• Rates & Fees

• 5 miles per $1 spent at Renowned Hotels and Resorts
• 3 miles per $1 spent on United^® purchases
• 2 miles per $1 spent on all other travel
• 2 miles per $1 spent at restaurants
• 2 miles per $1 spent on select streaming services
• 1 mile per $1 spent on all other purchases

Climbing another rung up the United credit card ladder will bring us to The New United Quest℠ Card. A strikingly more premium card than its lower-fee counterparts, it earns 3X United MileagePlus miles per $1 spent on United purchases, 2X on all other travel, at restaurants, and on select streaming services, plus 1X on everything else. The card's headline perk is a $125 United purchase credit and a free first and second checked bag — making the $350 annual fee seem incredibly reasonable.

Welcome offers on the United Quest Card range from 60,000 to 100,000 MileagePlus miles after spending between $4,000 and $10,000.

As history shows, we routinely see offers oscillating between 70,000 and 80,000 miles, requiring between $4,000 and $5,000 in spending over the first three months of holding the card. These quality offers come about often and are worth taking advantage of.

Related: United Quest Card Review

The New United Club℠ Card

The New United Club℠ Card

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Rates & Fees

The New United Club℠ Card

Annual Fee$695

Welcome Bonus Limited-Time Offer: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

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Why We Like ItHighlightsEarning Rates

The United Club is the top-tier United co-brand card, and offers some great perks like United Club℠ membership, priority check-in, security screening (where available), boarding and baggage handling privileges. If your not an elite, holding this card means you'll be treated like one of United's most loyal and valuable customers. If you already hold MileagePlus Premier status, the card also grants access to Complementary Premier Upgrades on United flights.

• Limited-Time Offer: Earn 90,000 bonus miles
• 4x miles on United® purchases
• 2x miles on dining and all other travel
• 1x mile on all other purchases
• United Club℠ card membership - at least a $750 value
• Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and Premier Access® travel services
• Earn a 10,000-mile award flight discount after $20,000 in purchases to use toward an eligible award flight - up to two times each calendar year
• Member FDIC
• Rates & Fees

• Earn 4 miles per $1 spent on United^® purchases
• Earn 2 miles per $1 spent on all other travel
• Earn 2 miles per $1 spent on dining
• Earn 1 mile per $1 spent on all other purchases

The New United Club℠ Card takes its place as the airline's most premium consumer card. Cardholders will earn 4X United MileagePlus miles per $1 spent on United purchases, 2X on all other travel, 2X on dining, and 1X on everything else.

But that's not all. The crown benefit of the United Club is United Club membership, which is a perk you can take advantage of even if you don't have United elite status. The card carries a $695 annual fee.

Welcome offers on the United Club range from 75,000 to 120,000 MileagePlus miles after spending between $3,000 and $6,000. Additionally, offers that don't feature miles but waive the annual fee have appeared in the past.

Given how rare the waived annual fee offers are, it makes the most sense to jump on offers of 90,000 MileagePlus miles or more. It may require some patience, but your patience will be rewarded.

Related: United Club Review

The New United℠ Business Card

The New United℠ Business Card

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Rates & Fees

The New United℠ Business Card

Annual Fee$0 intro annual fee for the first year, then $150

Welcome Bonus Earn 75,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.

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Why We Like ItHighlightsEarning Rates

Cardholders earn 2 miles per $1 spent on United purchases, dining, gas stations, office supply stores, and on local transit and commuting, alongside 1 mile per $1 on all other purchases​​. Key benefits include a free first checked bag on United flights, potentially saving up to $160 per roundtrip​​, a $125 United travel credit after qualifying purchases​​, and two one-time United Club℠ passes each year​​. Additional perks include 25% back on United inflight and Club premium drink purchases​​, priority boarding on United-operated flights​​, and no foreign transaction fees​​. Plus, if you also hold a personal United credit card, you earn a 5,000-mile anniversary bonus​​.

• Earn 75,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
• $0 introductory annual fee for the first year, then $150.
• 2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
• 1x mile on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
• Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
• Enjoy a free first checked bag - a savings of up to $160 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
• Receive a $125 United travel credit after making 5 United® flight purchases of $100 or more each calendar year with your United℠ Business Card.
• Member FDIC
• Rates & Fees

• 2x on United^® purchases
• 2x on local transit and commuting — including train tickets, taxicabs, mass transit, tolls and ride share services
• 2x at gas stations, restaurants and office supply stores
• 1x on all other purchases

One of two United business cards with an offer history to speak of, The New United℠ Business Card is a simple product that earns most handsomely on United purchases at a rate of 2X MileagePlus miles per $1 spent. Cardholding small businesses will also earn 2X on local transit and commuting, 2X at gas stations, restaurants, and office supply stores, plus 1X on all else. The card carries a $0 intro annual fee for the first year, then $150.

Welcome offers on the United Business Card range from 50,000 to 150,000 MileagePlus miles after spending between $3,000 and $20,000.

If your small business can meet the spending requirements, taking advantage of a 125,000-mile offer is a must-do. Otherwise, 75,000-mile offers are common and typically require a much smaller spending requirement — usually $5,000 in the first three months of holding the card.

Related: United Business Card Review

World of Hyatt Cards

World of Hyatt is a fan favorite, and rightfully so. Two cards earn valuable Hyatt points, and jumping on a best-ever offer means more free nights. Here's a look at the best offers.

Related: The World of Hyatt Rewards Program — A Complete Guide

The World of Hyatt Credit Card

The World of Hyatt Credit Card

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Rates & Fees

The World of Hyatt Credit Card

Annual Fee$95

Welcome Bonus Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.

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Why We Like ItHighlightsEarning Rates

Cardholders receive one free night at any Category 1-4 Hyatt hotel or resort every year on account renewal, with an additional free night after $15,000 in annual spending​​. The card includes World of Hyatt Discoverist status, providing 5 qualifying night credits towards the next tier status each year, plus 2 additional credits for every $5,000 spent​​. There are no foreign transaction fees​​, and the card also offers comprehensive travel and purchase protections, including baggage delay insurance, lost luggage reimbursement, trip cancellation/interruption insurance, purchase protection, and an auto rental collision damage waiver​​.

• Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
• Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
• Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
• Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
• Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
• Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
• Earn up to 9 points total for Hyatt stays - 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
• Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
• Member FDIC
• Rates & Fees

• Up to 9X points total per $1 spent at Hyatt - 4X points per $1 when you use your card at Hyatt hotels & 5X points per $1 you can earn as a World of Hyatt member
• 2X points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
• 1X point per $1 everywhere else

For Hyatt loyalists, The World of Hyatt Credit Card packs a mighty punch despite carrying a reasonable $95 fee. Cardholders will earn up to 9X World of Hyatt points per $1 spent at Hyatt, 2X at restaurants, airline tickets, local transit, and fitness club and gym memberships, plus 1X on all else. The leading perk of the card is an annual free night at any Category 1-4 Hyatt hotel or resort — more than justifying the annual fee.

The card's standard offer awards 30,000 points after you spend $3,000 in the first three months — and this usually comes with a spending bonus. But if you an grab anything higher than 30,000 points — think five free Category 1-4 nights or 35,000+ points, you'll be in good shape.

Related: World of Hyatt Card Review

World of Hyatt Business Credit Card

World of Hyatt Business Credit Card

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Rates & Fees

World of Hyatt Business Credit Card

Annual Fee$199

Welcome Bonus 60,000 Bonus Points plus Explorist status through 2/28/26 after you spend $7,000 on purchases in your first 3 months from account opening. Offer ends 6/30/25.

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Why We Like ItHighlightsEarning Rates

The World of Hyatt Business Credit Card is tailored for maximizing rewards on Hyatt stays and business expenses. Cardholders receive Discoverist status in the World of Hyatt program, can earn 5 Tier-Qualifying Night Credits for every $10,000 spent, and enjoy up to $100 annual Hyatt credit. A 10% point redemption bonus is available for spending over $50,000 in a year.

• 60,000 Bonus Points plus Explorist status through 2/28/26 after you spend $7,000 on purchases in your first 3 months from account opening. Offer ends 6/30/25
• Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
• 2 Bonus Points per $1 spent in your top three spend categories each quarter.
• 2 Bonus Points per $1 spent on fitness club and gym memberships
• 1 Bonus Point per $1 spent on all other purchases.
• Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
• 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
• World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
• Member FDIC
• Rates & Fees

• Up to 9X total points per $1 spent at Hyatt – 4X points per $1 on qualifying purchases when you use your card at Hyatt hotels & 5X points per $1 you can earn as a World of Hyatt member
• 2X points per $1 spent on fitness club and gym memberships
• 1X point per $1 everywhere else

In addition, you'll earn 2X points per $1 spent in your top three spend categories each quarter. Eligible categories include:

• Dining
• Shipping
• Airline tickets when purchased directly with the airline
• Local transit & commuting
• Social media & search engine Advertising
• Car rental agencies
• Gas stations
• Internet, cable & phone services

Businesses loyal to Hyatt can take advantage of the World of Hyatt Card business variant. The World of Hyatt Business Credit Card earns up to 9X World of Hyatt points per $1 spent at Hyatt, 2X on fitness club and gym memberships, and 1X on all else. Depending on the welcome offer, there may be even more bonus categories — such as 2X points per $1 spent in your top three spending categories. This card carries a $199 annual fee.

Welcome offers on the Hyatt Business Card range from 60,000 to 75,000 World of Hyatt points after spending between $5,000 and $7,500. The most common offer on the card is 60,000 points after spending $5,000 in the first three months of carrying the card.

Related: Hyatt Business Card Review

Publicly Available vs. Targeted Offers

The offers above represent the highest publicly available offers, but you might see targeted offers for something much better. To check, services such as CardMatch will ask for some personal information and run a quick search for any special card offers you may qualify for.

You could earn an outsized welcome offer for any of these Chase cards. These can also appear in your email inbox, mail, or Chase online account in the “Just for you” tab. It's worth keeping an eye open for these targeted, elevated offers. Unfortunately, it's hard to predict what these may be or when you might see them.

Related: How To Get Targeted Credit Card Offers

Bottom Line

When considering applying for a Chase credit card, evaluating the welcome offer in front of you in the context of all other historical welcome offers makes sense. It could make the difference between applying now or waiting for the offer to increase.

Knowing when to apply, what to watch for, and what a quality offer looks like may prove helpful as you develop your broader credit card strategy and work toward your next points and miles redemption. With information about the offer history on various Chase credit cards, you should better understand what offers to apply for and when you should wait.

For rates and fees of the cards mentioned in this post, please visit the following links: Chase Sapphire Preferred^® Card (Rates & Fees), Chase Sapphire Reserve^® (Rates & Fees), Chase Freedom Unlimited^® (Rates & Fees), Ink Business Cash^® Credit Card (Rates & Fees), Ink Business Unlimited^® Credit Card (Rates & Fees), Ink Business Preferred^® Credit Card (Rates & Fees), Ink Business Premier^® Credit Card (Rates & Fees), Aeroplan^® Credit Card (Rates & Fees), IHG One Rewards Traveler Credit Card (Rates & Fees), IHG One Rewards Premier Credit Card (Rates & Fees), IHG One Rewards Premier Business Credit Card (Rates & Fees), Southwest Rapid Rewards^® Plus Credit Card (Rates & Fees), Southwest Rapid Rewards^® Priority Credit Card (Rates & Fees), Southwest^® Rapid Rewards^® Premier Business Credit Card (Rates & Fees), Southwest^® Rapid Rewards^® Performance Business Credit Card (Rates & Fees), The New United Gateway℠ Card (Rates & Fees), The New United℠ Explorer Card (Rates & Fees), The New United Quest℠ Card (Rates & Fees), The New United Club℠ Card (Rates & Fees), The New United℠ Business Card (Rates & Fees), The World of Hyatt Credit Card (Rates & Fees), and World of Hyatt Business Credit Card (Rates & Fees)

AwardWallet Tip of The Day

You can choose to store all of your loyalty account passwords locally on your device, instead of storing them in our secure database. If you choose this option, you can (and should) periodically back them up into a file. In the event that you delete your cookies, these passwords will be deleted. With a proper backup, you'd be able to safely restore from that backup file.
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