Chase vs Wells Fargo bonuses
As of Jul 21, 2026, Chase has 17 live sign-up bonuses, up to $3,000. Wells Fargo has 4, up to $825. Here is how they compare, verified against each institution's own terms.
At a glance
| Chase | Wells Fargo | |
|---|---|---|
| Live sign-up bonuses | 17 | 4 |
| Biggest cash bonus | $3,000 | $825 |
| 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: no Wells bonus in the past 12 months (verify current terms) |
| House rules | The 48-month Sapphire rule, The 5/24 rule | — |
Current offers
What to know about each
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.
A steady $300-class checking bonus with a low electronic-deposit hurdle, refreshed on short published windows. The terms are plain; the work is mostly remembering the coupon.
Common questions
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.
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.