Chase's Sapphire Preferred shows 75,000 points today and the Sapphire Reserve shows 100,000, the same figures our dated articles recorded for the Preferred in March and for the Reserve in September and October. A few dated readings don't make a pattern, so we can't point you to a better month to wait for. What you can act on is the Freedom Flex offer, Chase's eligibility rules and the targeted emails that Chase sends to some cardholders. This guide lists today's offers on seven Chase cards, what our own dated articles recorded, and how to decide when to apply.
What Are Chase's Card Offers Right Now?
These are the live offers as read on Chase's own card pages on November 2, 2026:
- Chase Sapphire Preferred ($95 annual fee): 75,000 points after $5,000 in purchases in the first 3 months.
- Chase Sapphire Reserve ($795 annual fee, $195 for each authorized user): 100,000 points after $6,000 in purchases in the first 3 months.
- Chase Freedom Unlimited ($0 annual fee): a $200 bonus after $500 in purchases in the first 3 months.
- Chase Freedom Flex ($0 annual fee): a $250 bonus after $500 in purchases in the first 3 months. Chase's page shows $200 struck through next to the $250 and labels it "Offer ending soon."
- Ink Business Preferred: 100,000 bonus points after $8,000 in purchases in the first 3 months.
- Ink Business Cash: $750 cash back after $6,000 in purchases in the first 3 months.
- Ink Business Unlimited: $750 cash back after $6,000 in purchases in the first 3 months.
Check the live offer on Chase's Sapphire Preferred page or the page for the card you want the day you apply. Chase changes them.
What Our Dated Articles Recorded
Our Marriott card offer history was built from archived copies of Marriott's card page. This guide works only from our own dated articles, which recorded Chase's offers on the day we wrote them.
For the Sapphire Preferred, our bonus eligibility article, published March 19, 2026, gave 75,000 points after $5,000 in the first 3 months. For the Sapphire Reserve, our Sapphire Reserve bonus guide read 100,000 points after $6,000 in the first 3 months on Chase's page on September 4, 2026, and our upgrade offer alert gave the same public offer on October 1, 2026. Both match Chase's pages today.
Two targeted Reserve offers are in our records. Our Private Client offer article from February 20, 2026 covered 200,000 points after $10,000 in three months, emailed to Chase Private Client members. On October 1, 2026, we recorded a targeted offer to upgrade from the Preferred to the Reserve for 75,000 points after $4,000 in spending, with a warning that some upgrade emails carried no bonus points. Our Sapphire Reserve for Business review from September 25, 2026 recorded 200,000 points after $30,000 in the first 6 months on that card.
On the Ink side, our Ink Business Cash review, with Chase's pages read September 23, 2026, gave $750 after $6,000 in 3 months on the Ink Business Cash and the Ink Business Unlimited, and 100,000 points after $8,000 in 3 months on the Ink Business Preferred. All three match today. Our Freedom card article says the Freedom Unlimited and Flex amounts rotate.
What the Rules Say About Who Gets the Bonus
Chase's offer terms, read on its card pages, decide whether you get the bonus.
The Sapphire Preferred and the Sapphire Reserve each say the card is unavailable if you currently have it open, and that the new cardmember bonus may not be available if you previously held that card or received a new cardmember bonus for it. Chase says it may also consider the number of cards you've opened and closed.
The Freedom Unlimited and Freedom Flex aren't available to current cardmembers, or to previous cardmembers who received that card's new cardmember bonus within the last 24 months. If you got a Freedom bonus, that 24-month clock is the date to watch.
The Ink Business Cash and Ink Business Unlimited bonuses may not be available if you've ever had that card or any other Chase for Business card without an annual fee. The Ink Business Preferred bonus may not be available if you've ever had that card. On all three, Chase says it may also consider factors about your business.
On both Sapphire cards and both Freedom cards, the bonus terms count purchases by you or an authorized user toward the spending requirement.
Our Sapphire Preferred eligibility article covers the January 22, 2026 change to those rules.
When I'd Apply for Each Card
Sapphire Preferred or Reserve: apply when the public offer matches a spending need you already have. Our records are a few dated readings, not a calendar, so I wouldn't hold out for a better month. Check your Chase account and email first. If you hold the Preferred, look for the targeted Reserve upgrade offer before you apply for the Reserve as a new card, and confirm that your email names the bonus.
Freedom Unlimited and Flex: look at both pages. The Flex shows $250 today and the Unlimited shows $200. Each needs $500 in purchases in 3 months, so one purchase can serve both if you split it, as our Freedom card article explains.
Ink cards: the $750 offers need $6,000 in 3 months and the Preferred needs $8,000. Apply when you have that business spending coming. If you've ever had any Chase for Business card without an annual fee, read the Ink Business Cash and Unlimited terms first.
Everyone: read the live terms the day you apply, and don't open a card to chase a bonus you can't meet with normal spending.
