8 ways to get the best Chase signup bonus offers


The quick answer to how to find the best Chase signup bonus offers for credit cards is to visit Frequent Miler’s Best Offers page.  But, that page focuses on the best publicly available offers.  This post details a few ways to get private targeted offers that are often even better.

Note that in all cases presented below, you should compare the offers you find online, in branch, over the phone, etc. to the ones found on my Best Offers page.  In some rare cases the Best Offers page will have better offers.

1. Dummy bookings

Chase has quite a few hotel and airline branded credit cards.  In many cases, you can qualify for an improved offer simply by going through the steps of booking a stay or a flight.  Look for an improved offer on the final confirmation / payment screen.  For example, I logged into my son’s IHG account and found this standard offer for the IHG credit card:

Chase signup bonus offers IHG no status

Then, I went through the steps of booking a hotel stay.  On the final confirmation screen, I saw this:

Chase signup bonus offers IHG no status dummy booking

The second offer is for the same number of points but it now includes a $50 statement credit after first purchase.  There is no need to complete the reservation in order to get this offer.  The same trick often works with airline cards as well.

2. Elite status

Those with airline or hotel elite status are often targeted with better offers than the general public.  For example, thanks to my Marriott Platinum status, I have United Silver status (see: Shortcuts to earning and renewing Marriott elite status).  The current public offer for the United MileagePlus card is 30,000 points:

Chase signup bonus offers United No Status

As a Silver elite member, though, I frequently receive offers for 50,000 miles.  For example, this offer showed up in my email recently:

Chase signup bonus offers United Silver Status

Similarly, the current standard offer for the IHG credit card is for 60,000 points (as shown above in the “Dummy Bookings” section).  But, I have IHG Gold status.  I originally had Platinum status due to having the IHG credit card. I cancelled that card with a plan of signing up again, but haven’t done so yet. As a result, IHG has “soft landed” me down to Gold status.  So, when I log into my IHG account, I see an offer for 80,000 points:

Chase signup bonus offers IHG status

This stacks with the Dummy Booking trick.  When I go through the steps of booking a stay, I see this on the final confirmation screen:

Chase signup bonus offers best offer IHG dummy booking

The dummy booking trick again gets me $50 additional bucks.  I originally wrote about this approach here: How to find the best IHG signup offer: 80K points plus $50.

If you don’t have status with an airline or hotel program, you may be able to get status by seeking a status match or challenge.  Contact the hotel or airline’s loyalty program to ask if you can qualify for a match based on similar status with other hotel or airline programs.  In many cases, especially with hotels, they’ll grant you low level elite status along with a challenge to get to higher level status.

3. Call Chase

Chase reps sometimes put forward better offers over the phone than what you’ll see online.  For example, a reader named Matt said that his in-laws called to sign up for the IHG card and they were offered 80,000 points instead of the 60,000 point public offer.  Doctor of Credit reported this recently as well.  While I’ve never tried this with Chase, I’ve had similar experiences with American Express, so this may be worth trying in general.

4. Direct Mail and email

Keep an eye out for direct offers through mail and email.  Carefully compare these offers to those found on my Best Offers page.  In some cases the targeted offer may be better than the public offer.  For example, my business frequently receives 60K offers for the Chase Ink Plus card.  On the surface it appears to be the same as the public 60K offer, but there is one big difference: my targeted offer waives the first year $95 fee.  The public offer does not.

5. In-branch

Sometimes in-branch offers are better than public online offers.  Wander into a branch to find out.

6. Business checking

If you have some form of a business (rental property, consulting, reselling, blog authoring, etc.), consider signing up for a business checking account with Chase.  I believe that this will increase your chances of receiving good targeted offers for Chase business cards.

7. Private Client

This is intended for high net worth clients.  However, if you’re invited to the Chase Private Client program, I strongly recommend accepting the offer.  Private Client customers sometimes have access to better offers than everyone else.  For example, while the public offer for the Sapphire Preferred card is currently 50,000 points plus 5,000 for adding an authorized user, Private Client members can qualify for 60,000 points plus 5,000 for an authorized user.  See: Chase Private Client and Sapphire Preferred 65K.

8. Apply for lesser offer then ask for match

Chase has been known to match people to better offers.  The key is to call or send a secure message within 90 days of applying.

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[…] Better offers may be available. Click for details. […]

[…] some card issuers you can apply for an inferior offer and then call or send a secure message to ask to be bumped up […]

[…] As a reminder, Chase often has better offers that can be found in similar ways. For more info, see: 8 ways to get the best Chase signup bonus offers. […]

[…] Note: If you’re thinking of signing up for the United card, don’t forget to start the process of booking a paid flight first.  This way you’ll get the same offer given upon logging in plus a $50 statement credit after first purchase.  See: 8 ways to get the best Chase signup bonus offers. […]


Chase matched my 60k + $50 statement credit to the 80k w/out $50 statement credit for the IHG card. This is the explanation given via SM: “We would like to explain that the $50.00 statement credit and 80,000 Reward Point offer is only available when applying for instant credit while booking an IHG hotel reservation online.”


sucks u don’t get the $50 credit but still very nice deal. what r u planning on using the points on?


My sister gets her anniversary free night this summer and were also planning to go San Francisco. Hopefully there will be rooms with two beds bookable with points


Book it now I waited 2 long for my KONA hotel oop’s. Hawaii like 6 months out better to book.. .

[…] 8 ways to get the best Chase signup bonus offers by Frequent Miler. If you ever see any better in branch offers or similar, let me know so I can let other readers know. This post by Frequent Miler is a good recap of different channels that work for getting better offers from Chase. […]


just got a pre-approved offer for Ink for 60,000 points problem is I already have one linked to my SSN. Debating if I should close old Ink card so I can open a new one. Also want to get a couple Southwest cards to get companion pass.Also am pre-approved for gold amex biz card with 75,000 bonus. This usually would not be a problem except for the 5/24 rule that chase will be implementing soon. any advice? If u guys had these offers how would u proceed?


The only mail offer I’ve ever gotten from Chase was for their slate card. And that was before their 5/24 rule. I do the dummy booking and that works. But I always have to SM Chase to make sure that the correct bonus offer is linked to the account. My sister and I learned our lesson after they didn’t honor the 80k plus $50 statement credit that she got approved for last year.


Definitely have to look into this IHG credit card as my 7,500 IHG points expire May 1st!


My IHG® Accelerate offer includes a substantial bonus if I apply for and IHG credit card. Do you think that I will get credit for that if I apply through one of these other channels, or your link, or do you think I need to go through the link on my offer?