Tom Lipkis, Retired Economy Teacher
@cindercard
The best Chase credit card signup bonus is Sapphire Preferred’s 60,000 points for spending $4,000 in the first 3 months. Those bonus points are worth $750 in travel booked through Chase Ultimate Rewards. That’s the equivalent of nearly 19% back, making it Chase’s most efficient bonus. It pays for the Preferred card’s $95 annual fee for more than 7 years.
If you’re a business owner, you’ll get the most signup points from the Ink Business Preferred Card. It offers a bonus of 100,000 points, worth $1,250 in Chase travel, for spending $15,000 in the first 3 months. That pays for the $95 annual fee for more than 10 years.
Another big Chase credit card signup bonus is the IHG Rewards Club Premier card’s 140,000 points for spending $3,000 in the first 3 months.
Best Chase credit card signup bonus offers:
- Ink Business Preferred® Credit Card: 100,000 points for spending $15,000 in the first 3 months, worth $1,250 in travel through Chase Ultimate Rewards (25% extra value). $95 annual fee. Requires good credit.
- IHG® Rewards Club Premier Credit Card: 140,000 points for spending $3,000 in the first 3 months. $89 annual fee. Requires good credit.
- Chase Sapphire Preferred® Card: 60,000 points for spending $4,000 in the first 3 months – worth $750 in travel through Chase Ultimate Rewards (25% extra value). $95 annual fee. Requires good credit.
- Chase Sapphire Reserve®: 50,000 points for spending $4,000 in the first 3 months – worth $750 in travel through Chase Ultimate Rewards (50% extra value). $550 annual fee. Requires excellent credit.
- IHG® Rewards Club Traveler Credit Card: 60,000 points for spending $2,000 in the first 3 months. $0 annual fee. Requires good credit.
- Chase Freedom Flex℠: $200 cash back when you spend $500 in the first 3 months. 5% cash back on travel booked through Chase, 3% on restaurant and drugstore purchases and 1% back on everything else. $0 annual fee. Requires good credit.
- Chase Freedom Unlimited®: $200 for spending $500 in the first 3 months. 5% back on travel booked through Chase, 3% on restaurant and drugstore purchases and 1.5% back on everything else. $0 annual fee. Requires good credit.
As you can see, many of these cards have annual fees. But by taking advantage of their initial bonuses and extra benefits, you should be able to more than make up for that.

2021's Best Chase Credit Cards
Compare CardsAlicia Kane, savvy shopper
@Alicia_K
Can't beat the Chase Sapphire Preferred sign up bonus, but the Chase Freedom one is easily attainable.
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