Securing a lucrative welcome offer on credit cards could be optimized. Our analysis suggests the opportune moments for higher chances.
In the world of credit cards, the holiday season is not just about shopping for gifts. It's also the time when issuers like Chase, Capital One, and American Express roll out boosted welcome offers to attract new cardholders. Here's a roundup of some of the latest offers available.
For those seeking a personal rewards card, Chase has recently boosted its Sapphire Preferred offer to 75,000 bonus points after $5,000 spent in 3 months. Meanwhile, the Freedom Unlimited card offers a $200 cash bonus after $500 spent in 3 months. Capital One's Venture Rewards Card offers 75,000 miles ($750 in travel) after $4,000 spent in 3 months.
In the business realm, the Ink Business Unlimited card offers $750 cash back after $6,000 spent in 3 months, while the Ink Business Cash card provides $350 cash back after $3,000 spent in 3 months, with an additional $400 after $6,000 spent in 6 months. Capital One offers the Spark Miles for Business card with a bonus of 150,000 miles after $30,000 spent in 3 months.
Wells Fargo's One Key card offers $400 in OneKeyCash after $1,000 spent in the first 3 months, while the Capital One One Key+ card offers $600 in OneKeyCash after $3,000 spent in the first 3 months.
Bank of America's Alaska Airlines card offers a unique boosted welcome offer: Buy one ticket, get one for just the taxes and fees ($0 fare plus taxes and fees from $23) and earn 50,000 bonus miles with this offer.
It's important to note that some welcome offers can dish out hundreds of dollars in points or cash, regardless of being boosted. However, the best time to apply for a boosted welcome offer for Chase credit cards typically aligns with periods when Chase runs limited-time or targeted promotions, often around key shopping seasons like October to December.
To increase your chances of getting a boosted offer, opt into targeted mailings from Chase by updating your marketing preferences online. Consider applying during seasonal peaks like the fall shopping months (October–December). Keep an eye on recent promotions, as Chase occasionally adjusts spending thresholds and bonus amounts.
Once you have the card, the new Points Boost system for Chase Sapphire Preferred and Reserve cards, introduced in June 2025, maximizes the value of points earned and redeemed but is separate from the initial welcome bonus timing.
In summary, to maximize your chance for a boosted welcome offer, apply during Chase’s promotional periods (often fall months), and ensure you are opted into Chase’s marketing communications for possible targeted offers. Happy card shopping!
- For individuals interested in personal finance, the holiday season could be an excellent time to consider investing in a credit card, as issuers like Chase offer boosted welcome offers, such as 75,000 bonus points after spending $5,000 in 3 months with the Sapphire Preferred card.
- In the realm of business finance, the Ink Business Cash card, offered by Capital One, gives a cashback of $350 after spending $3,000 in 3 months, making it a beneficial option for entrepreneurs looking to maximize their returns during their business expenses.
