Credit cards for Chase Ultimate Rewards
By ApplyOrWait. Compiled from issuer terms and our audited issuer-rule list. Offers checked ; issuer rules verified . Terms apply.
Credit cards for Chase Ultimate Rewards: 7 current offers are compared, including personal and business cards. Chase Ink Business Preferred has the highest estimated first-year value after fees for credit cards for chase ultimate rewards at $1,155 using travel redemption. The lowest annual fee among credit cards for chase ultimate rewards is $0. Opening any of the 4 personal cards compared for credit cards for chase ultimate rewards adds an account to Chase's reported 5/24 count for 24 months, even if the account later closes.
Compare cards that earn Chase Ultimate Rewards. Check whether the card supports transfers, which partners fit your travel, and whether you will use its benefits.
Check my eligibility first →We compare conditional value after fees; compensation never changes rankings.
How we rankChase Ultimate Rewards: 7 available offers, ordered by conditional travel value after fees.
Offers for Chase Ultimate Rewards to compare
1. Chase Ink Business Preferred
Welcome offer: 100,000 Ultimate Rewards points. Annual fee: $95. Terms apply.
First-year value after fees (travel redemption), estimated: $1,155.
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2. Chase Sapphire Preferred
Welcome offer: 75,000 Ultimate Rewards points. Annual fee: $95. Terms apply.
First-year value after fees (travel redemption), estimated: $928.
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3. Chase Sapphire Reserve
Welcome offer: 100,000 Ultimate Rewards points. Annual fee: $795. Terms apply.
First-year value after fees (travel redemption), estimated: $755.
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4. Chase Ink Business Cash
Welcome offer: $750 bonus cash back. Annual fee: $0. Terms apply.
First-year value after fees (travel redemption), estimated: $750.
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5. Chase Ink Business Unlimited
Welcome offer: $750 bonus cash back. Annual fee: $0. Terms apply.
First-year value after fees (travel redemption), estimated: $750.
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6. Chase Freedom Flex
Welcome offer: $250 bonus cash back (25,000 points redeemable for $250). Annual fee: $0. Terms apply.
First-year value after fees (travel redemption), estimated: $250.
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7. Chase Freedom Unlimited
Welcome offer: $200 bonus cash back. Annual fee: $0. Terms apply.
First-year value after fees (travel redemption), estimated: $200.
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Compare requirements and conditional value
Chase Ultimate Rewards estimates use travel redemption, expected credit use and first-year fees; ongoing spending rewards are excluded. Terms apply.
| Card | Annual fee | Required spend | First-year value, estimated (travel) | Timing or bonus condition | Recorded details | Last checked |
|---|---|---|---|---|---|---|
| Chase Ink Business Preferred | $95 | $8,000 in 3 months | $1,155 | Chase's terms say the Chase Ink Business Preferred welcome offer may be unavailable if you have or had the card, and you cannot open the card while you hold it.Issuer terms | Network: Visa.First-year fee: $95; renewal: $95. | 2026-10-06 |
| Chase Sapphire Preferred | $95 | $5,000 in 3 months | $928 | Chase's terms say the Chase Sapphire Preferred welcome offer may be unavailable if you have or had the card or received its welcome bonus before, and you cannot open the card while you hold it.Issuer terms | Network: Visa.First-year fee: $95; renewal: $95. | 2026-10-06 |
| Chase Sapphire Reserve | $795 | $6,000 in 3 months | $755 | Chase's terms say the Chase Sapphire Reserve welcome offer may be unavailable if you have or had the card or received its welcome bonus before, and you cannot open the card while you hold it.Issuer terms | Network: Visa.First-year fee: $795; renewal: $795. | 2026-10-06 |
| Chase Ink Business Cash | $0 | $6,000 in 3 months | $750 | Chase's terms say the Chase Ink Business Cash welcome offer may be unavailable if you have or had the Chase Ink Business Cash or the Chase Ink Business Unlimited.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Chase Ink Business Unlimited | $0 | $6,000 in 3 months | $750 | Chase's terms say the Chase Ink Business Unlimited welcome offer may be unavailable if you have or had the Chase Ink Business Cash or the Chase Ink Business Unlimited.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Chase Freedom Flex | $0 | $500 in 3 months | $250 | Chase's terms say the Chase Freedom Flex welcome offer is unavailable if you received its welcome bonus within the past 24 months, and you cannot open the card while you hold it.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Chase Freedom Unlimited | $0 | $500 in 3 months | $200 | Chase's terms say the Chase Freedom Unlimited welcome offer is unavailable if you received its welcome bonus within the past 24 months, and you cannot open the card while you hold it.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
Timing rules for the cards on this list
Application windows and account limits
Chase Ink Business Preferred and Chase Sapphire Preferred and Chase Sapphire Reserve and Chase Ink Business Cash and Chase Ink Business Unlimited and Chase Freedom Flex and Chase Freedom Unlimited: Chase usually declines most applications at 5/24 or higher, based on applicant reports. Approval is never guaranteed. Your estimated 5/24 count changes as older accounts age out. Exact eligibility timing depends on reported opening dates.
Chase Ink Business Preferred and Chase Sapphire Preferred and Chase Sapphire Reserve and Chase Ink Business Cash and Chase Ink Business Unlimited and Chase Freedom Flex and Chase Freedom Unlimited: Applicants report Chase pacing of roughly two cards in 30 days, usually one business card. Additional applications may be declined. Many applicants space Chase applications about 90 days apart to reduce review risk; this is community guidance.
Welcome offers and prior-card history
Chase's terms say the Chase Freedom Flex welcome offer is unavailable if you received its welcome bonus within the past 24 months, and you cannot open the card while you hold it.
Chase's terms say the Chase Freedom Unlimited welcome offer is unavailable if you received its welcome bonus within the past 24 months, and you cannot open the card while you hold it.
Chase's terms say the Chase Sapphire Preferred welcome offer may be unavailable if you have or had the card or received its welcome bonus before, and you cannot open the card while you hold it.
Chase's terms say the Chase Sapphire Reserve welcome offer may be unavailable if you have or had the card or received its welcome bonus before, and you cannot open the card while you hold it.
Chase's terms say the Chase Ink Business Cash welcome offer may be unavailable if you have or had the Chase Ink Business Cash or the Chase Ink Business Unlimited.
Chase's terms say the Chase Ink Business Unlimited welcome offer may be unavailable if you have or had the Chase Ink Business Cash or the Chase Ink Business Unlimited.
Chase's terms say the Chase Ink Business Preferred welcome offer may be unavailable if you have or had the card, and you cannot open the card while you hold it.
Chase's terms say you cannot open the Chase Ink Business Cash while you hold it.
Chase's terms say you cannot open the Chase Ink Business Unlimited while you hold it.
Chase Sapphire Preferred and Chase Sapphire Reserve: Holding the other Sapphire card does not create an automatic exclusion in the current offer terms; Chase still determines bonus eligibility.
Effect on Chase 5/24
Chase Ink Business Preferred: Chase business cards generally do not increase your personal 5/24 count, although your existing count affects approval.
Chase Sapphire Preferred is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Chase Sapphire Reserve is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Chase Ink Business Cash: Chase business cards generally do not increase your personal 5/24 count, although your existing count affects approval.
Chase Ink Business Unlimited: Chase business cards generally do not increase your personal 5/24 count, although your existing count affects approval.
Chase Freedom Flex is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Chase Freedom Unlimited is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Application order
Issuer terms: Chase Ink Business Preferred and Chase Sapphire Preferred and Chase Sapphire Reserve and Chase Ink Business Cash and Chase Ink Business Unlimited and Chase Freedom Flex and Chase Freedom Unlimited may have welcome-offer restrictions in both directions; changing application order does not remove the relevant holding, approval or bonus-history exclusions.
Questions about Chase Ultimate Rewards
What could delay a card application for Chase Ultimate Rewards?
Chase applications and recent account openings can affect timing for Chase Ultimate Rewards. Compare the issuer-specific windows with your dates; a waiting period does not establish approval.
Do credit cards for Chase Ultimate Rewards have an application order?
For Credit cards for Chase Ultimate Rewards, offer exclusions apply in both directions and some depend on the selected offer. A different order cannot remove earlier card or bonus history.
Which welcome offers for Chase Ultimate Rewards depend on earlier card or bonus history?
Chase Ink Business Cash's welcome offer may depend on whether you have or had Chase Ink Business Unlimited. Check the specific event and waiting period in the offer terms before counting a welcome bonus.