ChaseThe 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.
Chase
Bank & card issuer · 23 live offers, $7,800 cash + points offers
Chase has 23 live sign-up bonuses we track, the biggest $3,000. Every offer below is verified against Chase's own terms and carries the date we last checked it. We take no affiliate placement, so what appears and in what order reflects the offers, not payouts.
What counts as a direct deposit
The bank's own definition: An electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government, using your Chase account and routing numbers.
Counts
- Payroll from an employer
- Pension payments
- Government benefits like Social Security
Does not count
- ACH transfers from another bank, brokerage, or investment account
- Zelle and other person-to-person payments
- Tax refunds, dividends, and retirement distributions
- Wire transfers, debit-card loads, and micro-deposits
Chase enforces this strictly. A credit coded PPD from a payroll or benefits provider usually triggers it; a plain bank-to-bank push usually does not.
Quoted from the bank's page and checked Jul 17, 2026.
Live offers
Total CheckingChecking · Nationwide$400Checked Jul 11, 2026Private Client CheckingChecking · Nationwide$3KChecked Jul 19, 2026High School CheckingChecking · Nationwide$125Checked Jul 19, 2026Secure BankingBank account · Nationwide$175Checked Jul 19, 2026Business Complete CheckingChecking · Nationwide$500Checked Jul 17, 2026Premier Credit CardTravel card · $99 annual fee140K ptsChecked Aug 6, 2026United Explorer CardTravel card · $150 annual fee60K miChecked Jul 19, 2026Explorer CardTravel card · $150 annual fee60K miChecked Jul 21, 2026SavingsSavings · Nationwide$200Checked Jul 18, 2026Sapphire ReserveTravel card · $795 annual fee100K ptsChecked Jul 17, 2026IHG One Rewards PremierTravel card · $99 annual fee140K ptsChecked Jul 27, 2026Ink Business CashCash-back card · No annual fee$1KChecked Jul 26, 2026Rapid Rewards PriorityTravel card · $229 annual fee60K ptsChecked Jul 20, 2026IHG One Rewards TravelerTravel card · No annual fee80K ptsChecked Aug 5, 2026Freedom UnlimitedCash-back card · No annual fee$200Checked Jul 17, 2026World of Hyatt BusinessTravel card · $199 annual fee70K ptsChecked Aug 21, 2026Ink Business PremierCash-back card · $195 annual fee$1KChecked Jul 23, 2026Marriott Bonvoy BoundlessTravel card · $95 annual fee4 Free Night AwardsChecked Aug 10, 2026Sapphire PreferredTravel card · $95 annual fee75K ptsChecked Jul 31, 2026Freedom FlexCash-back card · No annual fee$200Checked Jul 18, 2026Ink Business PreferredTravel card · $95 annual fee100K ptsChecked Jul 19, 2026Marriott Bonvoy BoldTravel card · No annual fee45K ptsChecked Aug 7, 2026Ink Business UnlimitedCash-back card · No annual fee$1KChecked Jul 17, 2026
Referral programs
What an existing Chase customer earns for referring someone. The offers above are the other side, which is what a new customer gets.
| Program | You earn | Cap | Tax form |
|---|---|---|---|
Apply through your unique URL and be approved confirmed Jul 21, 2026 | Varies by card and offer Varies by cardholder | Capped per card, amount not published | None published |
Compare Chase
- Chase vs Capital One
- Chase vs Wells Fargo
- Chase vs Bank of America
- Chase vs Citi
- Chase vs U.S. Bank
- Chase vs SoFi
- Chase vs American Express
Common questions
What sign-up bonuses does Chase have right now?
Chase has 23 live sign-up bonuses, the biggest $3,000. See the full list above, each verified against Chase's own terms.
Does Chase use ChexSystems?
Soft pull for checking; low new-account sensitivity
Does opening a Chase account affect my credit?
Hard inquiry for cards. Experian most common
How Chase bonuses have moved
2 offers are at the highest we have tracked. Each row shows where the current figure sits against its own history, not against any other institution.
Total Checking
now $400, was $300 in 2024-2026
Highest tracked
Ink Business Cash
now $1,000, was $750 in Jul 2026
Highest tracked
Marriott Bonvoy Boundless
now 4 Free Night Awards
Sapphire Preferred
now 75,000 points, was 100k in 2021
Down from 100k
Marriott Bonvoy Bold
now 45,000 points, was 60,000 points in Aug 2026
Down from 60,000 points
Ink Business Unlimited
now $1,000
Guides that cover Chase
- Business bank and card bonusesBusiness bonuses pay more than personal ones and almost nobody claims them, because most people assume they do not have a business. The eligibility bar is lower than it looks, and the rules that follow it are different in ways that matter.
- Bank bonus churning: a beginner's guideChurning is just earning sign-up bonuses on purpose, one after another. Done right it is a legitimate few thousand dollars a year. Here is how to start without tripping a rule.
- Do you owe taxes on bank bonuses?Short answer: usually yes. Bank and brokerage sign-up bonuses are taxable income, even if you never get a form. Credit-card welcome bonuses are mostly a different story. Here is how it works.
- How bank sign-up bonuses workBanks pay you a few hundred dollars to open a checking or savings account and do a little. Here is the real structure: what you have to do, what the fine print costs you, and how to pick one that is actually worth your time.
- How to choose the right sign-up bonus for youThere are more live bonuses than you can chase. A simple framework for picking the ones actually worth your time, in the right order.
- Seven mistakes that cost people their bank bonusThe bonus is easy to earn and easy to forfeit. These are the seven ways people do the work and still never get paid, and how to avoid each one.
- The Chase 5/24 rule, explainedChase quietly declines most card applications if you have opened five or more cards in the last 24 months. Here is how the count actually works, which cards it hits, and how to plan around it.
- What counts as a direct deposit for a bank bonusThe single most common reason people miss a checking bonus is a deposit that did not code as a direct deposit. Here is what banks actually accept, what usually fails, and how to be sure.
Past offers
| Chase World of Hyatt Card: 75,000 points bonus | ended 2026-08-20 | 0 reports preserved |
