$400
162% APY
533/hr for your time
Direct deposit $1,000 within 90 days of opening.
Ease 7/10 · ~15 days after DDEnds in 8d
Direct depositDetails
162% effective APY
$1,000 committed, about 90 days
Chase bonuses
Updated September 2026 · 7 offers · last review 2026-07-07
Chase is the consumer bank of JPMorgan Chase, the largest bank in the United States by assets. It runs both checking and savings account bonuses and the Sapphire, Freedom, and co-branded airline and hotel card families.
Eligibility rules that apply across Chase
- Chase checking bonuses are generally limited to people who have not had a Chase checking account in the last 90 days and who did not receive a checking bonus in the last two years.
- Chase card approvals follow the unofficial 5/24 rule: five or more new personal cards from any issuer in the last 24 months usually means a denial.
- Ultimate Rewards points from Sapphire and Freedom cards transfer 1:1 to partners including United, Southwest, Hyatt, and Marriott.
Up to $1,000
1.6% APY
1,500/hr for your time
Fund new money, tiered. Top tier needs ~$250K held 90 days.
Ease 5/10 · ~15 days after qualifyingEnds in 14d
Hold balanceDetails
1.6% effective APY
$250,000 committed, about 90 days
60,000 Chase Ultimate Rewards points (worth ~$1,200 in travel)
$3,261/hr
No money tied up
Spend $5,000 on purchases within the first 3 months. Chase 5/24 rule applies (auto-denied if you have opened 5+ personal cards across any issuer in the last 24 months).
Ease 6/10 · Points post 6 to 8 weeks after you hit the spend requirementNo expiration
Bonus / matchDetails
$3,261/hr for your time
No cash tied up · about 0.4h of work
60,000 United MileagePlus miles (worth ~$750 in Star Alliance travel)
$1,957/hr
No money tied up
Spend $3,000 on purchases within the first 3 months. Chase 5/24 rule applies.
Ease 7/10 · Miles post 6 to 8 weeks after the spend requirement is metNo expiration
Bonus / matchDetails
$1,957/hr for your time
No cash tied up · about 0.4h of work
100,000 Ultimate Rewards points
$2,027/hr
No money tied up
Apply through a Chase refer-a-friend link and meet the first-year spend requirement. Points are Chase Ultimate Rewards, which transfer one to one to partners such as United, Hyatt and Air Canada Aeroplan, so a cent and a quarter per point is a conservative travel valuation.
Ease 5/10 · 6 to 8 weeks after the spend requirement is metNo expiration
Bonus / matchDetails
$2,027/hr for your time
No cash tied up · about 0.6h of work
$200 cashback + 5% grocery bonus for year one
$522/hr
No money tied up
Spend $500 on purchases within the first 3 months. Chase 5/24 rule applies.
Ease 9/10 · Bonus posts 1 to 2 statements after you hit the spend requirementNo expiration
Bonus / matchDetails
$522/hr for your time
No cash tied up · about 0.4h of work
$150 Amazon gift card, credited instantly on approval
$391/hr
No money tied up
Get approved for the Prime Visa (requires an active Amazon Prime membership).
Ease 9/10 · Gift card credits to your Amazon account within minutes of approvalNo expiration
Bonus / matchDetails
$391/hr for your time
No cash tied up · about 0.4h of work
Return on parked cash
Effective APY across Chase offers
Bonus divided by the money you must hold, annualized.
Start a Chase offer
Chase$400J.P. MorganUp to $1,000Chase Sapphire Preferred60,000 Chase Ultimate Rewards points (worth ~$1,200 in travel)Chase United Explorer60,000 United MileagePlus miles (worth ~$750 in Star Alliance travel)
Buttons without a green fill go to the bank's own public offer, which is the better deal on those rows. See every bonus.
How fast the money lands
Timeline: Chase Total Checking
From opening the account to the bonus posting.
- 1Day 0Open the account$0 to start · DD account
- 2~Day 15Route a direct depositDirect deposit $1,000 within 90 days of opening.
- 3~Day 29Bonus posts - $400~15 days after DD. Cash lands in the account you just opened.
Start this one
Buttons without a green fill go to the bank's own public offer, which is the better deal on those rows. See every bonus.
Offer table
| Offer | Bonus | Requirement | Effective APY | Checked |
|---|---|---|---|---|
| Total Checking | $400 | Direct deposit $1,000 within 90 days of opening. | 162.2% | 2026-07-05 |
| Self-Directed Investing | Up to $1,000 | Fund new money, tiered. Top tier needs ~$250K held 90 days. | 1.6% | 2026-07-05 |
| Credit Card | 60,000 Chase Ultimate Rewards points (worth ~$1,200 in travel) | Spend $5,000 on purchases within the first 3 months. Chase 5/24 rule applies (auto-denied if you have opened 5+ personal cards across any issuer in the last 24 months). | n/a | 2026-07-05 |
| Credit Card | 60,000 United MileagePlus miles (worth ~$750 in Star Alliance travel) | Spend $3,000 on purchases within the first 3 months. Chase 5/24 rule applies. | n/a | 2026-07-05 |
| Credit Card | 100,000 Ultimate Rewards points | Apply through a Chase refer-a-friend link and meet the first-year spend requirement. Points are Chase Ultimate Rewards, which transfer one to one to partners such as United, Hyatt and Air Canada Aeroplan, so a cent and a quarter per point is a conservative travel valuation. | n/a | 2026-08-14 |
| Credit Card | $200 cashback + 5% grocery bonus for year one | Spend $500 on purchases within the first 3 months. Chase 5/24 rule applies. | n/a | 2026-07-05 |
| Credit Card | $150 Amazon gift card, credited instantly on approval | Get approved for the Prime Visa (requires an active Amazon Prime membership). | n/a | 2026-07-05 |
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