Newest Chase Promotions, Bonuses, Offers and Coupons: January 2023

Chase bank promotions

Getting free money is easier than you might think. One way is by cashing in on bank account sign-up bonuses, such as those offered at Chase. You can earn hundreds of dollars, which you can use to jump-start or boost your savings balance.

If you’ve been considering opening an account at Chase, now may be a good time to check out the bank’s current offers. Read on to explore Chase’s promotions for January 2023.

Checking Account Promotions

If you’re a student, a business owner or just in the market for a new checking account bonus, Chase has something for you.

Chase Secure BankingSM: $100 Bonus

Chase Secure Banking’s settings mean you won’t overdraw your account, meaning you’ll save big if you typically end up paying overdraft fees*. It comes with a monthly fee of $4.95, but there are no check-cashing fees, no fees on money orders or cashier’s checks and no fees to pay bills through Chase Online Bill Pay or to send money through Zelle.

  • Cash value: $100
  • Minimum deposit to qualify: N/A
  • Expiration date: April 19, 2023
  • How to get it: Open a new Chase Secure Banking account either online through the offer page or in-branch by requesting a coupon via email through the offer page and make 10 qualifying transactions within 60 days of enrolling in the offer. Qualifying transactions include making debit card purchases, paying bills online through Online Bill Pay, using Chase QuickDeposit or sending or receiving money through Zelle.
  • When you’ll get it: Within 15 days of making the qualifying transactions
  • Terms and conditions: Must be a new Chase checking customer who has not closed a Chase checking account in the past 90 days or closed one with a negative balance in the past three years. You can’t have claimed another coupon bonus in the past two years, and only one bonus is available per customer. Your account must be open and not restricted to receive the bonus.
  • Monthly fee: $4.95
  • Promotion page: Chase Secure Banking $100 bonus offer
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Chase Total Checking®: $200 Bonus

Signing up for a new Chase Total Checking account can net you a $200 bonus. Read on for the full picture:

  • Cash value: $200
  • Minimum deposit to qualify: N/A
  • Expiration date: April 19, 2023
  • How to get it: Open a new Chase Total Checking account through the offer page and receive a direct deposit of your paycheck, pension or government benefits within 90 days of opening.
  • When you’ll get it: Within 15 days of receiving a qualifying direct deposit
  • Terms and conditions: You can’t have an existing Chase checking account, have closed one within the last 90 days, or have closed an account with a negative balance in the last three years. Closing your account within six months will lead to Chase recouping the bonus.
  • Monthly fee: The Chase Total Checking account comes with a $12 monthly fee, which can be waived by receiving at least $500 in electronic deposits in a month, having a balance of $1,500 at the beginning of each day or maintaining a combined average balance of $5,000 across eligible Chase accounts daily.
  • Promotion page: Chase Total Checking bonus offer

Chase College CheckingSM: $100 Bonus

College students between the ages of 17 and 24 will want to check out this offer, which gives a free C-note for opening a new student checking account. Get the details:

  • Cash value: $100
  • Minimum deposit to qualify: N/A
  • Expiration date: April 19, 2023
  • How to get it: Make 10 qualifying transactions in your new College Checking account within 60 days of applying the coupon. Qualifying transactions include debit card purchases, online bill payments, Zelle and ACH credits, mobile deposits and checks paid.
  • When you’ll get it: Within 15 days of making the qualifying transactions
  • Terms and conditions: To qualify for the College Checking account, you must be between 17-24 years old, show a valid student ID or proof of college enrollment or acceptance and provide an expected graduation date.
  • Monthly fee: For college students between the ages of 17 and 24, there’s no monthly fee from the time of opening the account until graduation, for up to five years.
  • Promotion page: Chase College Checking bonus offer
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Credit Card Promotions

Chase is known for its credit cards, so read on for the best offers for new cardholders, plus ways you can boost your bonus by referring friends.

: ($750 Value)

The Chase Sapphire Preferred credit card lets you earn triple points on dining and grocery store purchases, excluding Target, Walmart and wholesale clubs. With this card you will also earn double points on travel purchases. Redeem the points for travel to get 25% more value, or use them as a statement credit to reduce your balance. New cardholders get even more: 60,000 bonus points if they meet spending requirements. Here’s more:

  • Cash value: $750
  • Minimum spend to qualify: $4,000
  • Expiration date: N/A
  • How to get it: Open a new Chase Sapphire Preferred credit card and use the card to make at least $4,000 in purchases within the first three months.
  • When you’ll get it: Six to eight weeks after qualifying for bonus
  • Terms and conditions: This offer is available to new Chase Sapphire card members who have not received a bonus in the last 48 months.
  • Annual fee:
  • Boost your bonus: Chase Sapphire Preferred has a referral bonus of 15,000 bonus points per friend referred, up to 75,000 bonus points a year.

: $200 Cash-Back Bonus ($200 Value)

This card offers cash back varying by category. Chase Freedom Flex has 5% cash back up to $1,500 on rotating quarterly categories, plus 5% cash back on travel booked through Chase, 3% cash back on dining and drugstores and 1% cash back on all other purchases. Additionally, this card offers no annual fee and offers a 0% introductory APR on purchases for the first 15 months. This introductory period is followed by an APR of .

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The low spend to receive the bonus could be worth exploring if you’re in the market for a new credit card.

  • Cash value: $200
  • Minimum spend to qualify: $500
  • Expiration date: N/A
  • How to get it: Open a new Chase Freedom Flex card and make $500 in purchases within three months of account opening.
  • When you’ll get it: Six to eight weeks after qualifying
  • Terms and conditions: You must not currently hold the card or have previously received an opening bonus for the card in the past 24 months. Balance transfers, fees, interest and various other transactions do not count as purchases — see the offer page for details.
  • Annual fee:
  • Boost your bonus: Referring a friend who opens any Freedom card can get you a $100 cash-back bonus, up to $500 per year.

Chase : $900 Cash-Back Bonus ($900 Value)

The Chase Ink Business Unlimited credit card lets you earn 1.5% cash-back rewards on purchases. Redeem the rewards for cash back, travel and gift cards. Build your rewards balance faster with complimentary employee cards and enjoy zero liability protection. New customers can receive $900 cash back, plus 0% APR on purchases for the first 12 months. The introductory period is followed by an APR of . Here’s how to qualify:

  • Cash value: $900
  • Minimum spend to qualify: $6,000
  • Expiration date: N/A
  • How to get it: Apply for a new Ink Business Unlimited credit card and make at least $6,000 in purchases within the first three months.
  • When you’ll get it: Six to eight weeks after meeting requirements
  • Terms and conditions: The account must be open and in good standing to receive the bonus points. Qualifying purchases do not include balance transfers, wire transfers or cash advances. The account must be open and not in default to receive the bonus.
  • Annual fee: N/A
  • Boost your bonus: Ink Business cards have a referral bonus of 20,000 points per business, up to five per year. That’s up to 100,000 bonus points.

Chase : $900 Cash-Bank Bonus ($900 Value)

With the Chase Ink Business Cash credit card, you’ll earn up to 5% cash back on purchases made in select categories. The card has no annual fee and comes with free employee cards. New account holders also can qualify for a bonus worth $900 and 0% APR on purchases for the first 12 months. After the introductory period, an APR of will apply. Here’s how to get the bonus:

  • Cash value: $900
  • Minimum spend to qualify: $6,000
  • Expiration date: N/A
  • How to get it: Open a new Ink Business Cash credit card account and make $6,000 in purchases within the first three months.
  • When you’ll get it: Within six to eight weeks after meeting requirements
  • Terms and conditions: The account must be open and in good standing to receive the bonus points. Qualifying purchases do not include cash advances, balance transfers and purchases made with convenience checks.
  • Annual fee: N/A

Chase Refer-A-Friend: Up To $500 Bonus

If you’re already a Chase customer, you can earn extra cash by referring others to open an account. You don’t need any Chase coupons, but you do need to sign up to receive a referral link to share with your friends and family members. You can earn $50 for each qualifying referral — up to $500 per year. Here’s more.

  • Cash value: Up to $500
  • Minimum spend to qualify: N/A
  • Expiration date: None
  • How to get it: Complete the online form to receive a link to share with friends. Referrals must use the link to open the account.
  • When you’ll get it: Within 30 days of the referred person meeting requirements
  • Terms and conditions: Accounts are subject to approval. Both your account and your referral’s account must be open at the bonus payment time.
  • Monthly fee: N/A

Is Chase the Right Bank for You?

Chase bonuses can be lucrative if you meet the qualifications to open an account and earn the bonus. But that shouldn’t be the only reason you open an account. It’s more important to find a bank that offers products and services that meet your financial needs. Chase is a large, national bank with plenty of branches and convenient ATMs. If you can meet the requirements to avoid hefty fees, it may be worth a second look at what Chase offers.

Jared Nigro contributed to the reporting for this article.

Information on promotions is accurate as of Jan. 20, 2023. Additional requirements may apply. Offers and terms are subject to change.

This article has been updated with additional reporting since its original publication.

*With Chase Overdraft AssistSM, Chase won’t charge an Insufficient Funds Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.

The information related to Chase Secure Banking, Chase College Checking, Chase Sapphire Preferred, Chase Freedom Flex and Chase Ink Business cards was collected by GOBankingRates and has not been reviewed or provided by the issuer of these products/cards. Product details may vary. Please see issuer website for current information. GOBankingRates does not receive commission for these products.

Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by Chase.

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