Chase vs Citi bonuses

As of Jul 21, 2026, Chase has 17 live sign-up bonuses, up to $3,000. Citi has 3, up to $1,500. Here is how they compare, verified against each institution's own terms.

The quick take. Chase has the bigger headline bonus right now ($3,000). Chase gives you more offers to choose from. The best pick is the one whose requirement you can actually meet, so weigh the figures below against your own cash and direct deposit.

At a glance

	Chase	Citi
Live sign-up bonuses	17	3
Biggest cash bonus	$3,000	$1,500
Bonus types	bank, card	bank, card
ChexSystems	Soft pull for checking; low new-account sensitivity	Soft pull reported for checking
Credit pull	Hard inquiry for cards. Experian most common	Hard inquiry for cards
Eligibility	Checking bonus: once per 24 months · Sapphire bonus: once per 48 months	Checking once per period; card once per 24 to 48 months (verify)
House rules	The 48-month Sapphire rule, The 5/24 rule	—

Current offers

Chase

Chase Private Client Checking$3,000

Deposit $500,000+ in new money, hold 90 days · sign-up bonus

Chase Ink Business Cash$1,000

$8,000 in purchases in the first 4 months · sign-up bonus

Chase Ink Business Unlimited$1,000

$8,000 in purchases, 4 months · sign-up bonus

Chase Business Complete Checkingup to $500

$2,000 new money + 5 transactions ($10,000 for $500) · sign-up bonus

Chase Total Checking$400

$1,000 in direct deposits, 90 days · sign-up bonus

Chase Savingsup to $200

$5,000 new money held 90 days ($10,000 for $200) · sign-up bonus

Chase Freedom Flex$200

$500 in purchases in 3 months · sign-up bonus

Chase Freedom Unlimited$200

$500 in purchases, 3 months · sign-up bonus

Chase Secure Banking$175

10 qualifying transactions within 60 days · sign-up bonus

Chase High School Checking$125

Complete 5 qualifying transactions within 60 days · sign-up bonus

Chase Sapphire Reserve100,000 points

$6,000 in purchases, 3 months · points bonus

Chase World of Hyatt Card75,000 points

$5,000 spend in 3 months, plus 2x bonus on $15,000 in 6 · points bonus

Chase Marriott Bonvoy Boundless125,000 points

$3,000 in purchases within 3 months of account opening · points bonus

Chase IHG One Rewards Premier140,000 points

$3,000 in purchases in first 3 months · points bonus

Chase Ink Business Preferred100,000 points

$8,000 in purchases in first 3 months · points bonus

Chase Sapphire Preferred75,000 points

$5,000 in purchases, 3 months · points bonus

Chase United Explorer Card60,000 miles

$3,000 spend in 3 months plus add an authorized user · miles bonus

Citi

Citigold Checking$1,500

Deposit $200,000+ within 20 days, maintain 60 days · sign-up bonus

Citi Double Cash$200

$1,500 in purchases in first 6 months · sign-up bonus

Citi AAdvantage Platinum Select80,000 miles

$3,500 in purchases in first 4 months · miles bonus

What to know about each

Chase

The most rule-governed program of any issuer, and the most predictable. Chase publishes real end dates, honors them, and enforces 5/24 without exceptions. That cuts both ways: fewer surprises, but no loopholes. Checking bonuses run several times a year (currently elevated to $400). Card offers spike to historic levels once or twice a year, as with the current 100k Sapphire window.

Citi

One of the largest US banks and card issuers, running checking bonuses and a broad co-brand and cash-back card lineup. Card figures are often personalized.

Common questions

Which has the bigger sign-up bonus, Chase or Citi?

Chase has the bigger cash bonus right now, at $3,000. Figures change; both are checked against the source and shown above with the date.

Is Chase or Citi better for a sign-up bonus?

The better pick is the offer whose requirement you can actually meet. Chase currently gives you more offers to choose from. Weigh each bonus against the deposit or spend it needs, not just the headline number.

New to this? Start with how bank sign-up bonuses work, weigh both by value with the easiest to earn list, and see more head-to-heads on the compare page. Reference information, not financial advice.