Best Credit Card Offers July 2025
Updated Monthly With the Best Welcome Offers Available Now
July brings a fresh batch of credit card offers, and some of them are worth paying attention to. Whether youāre looking to earn more points, maximize cashback, or lock in premium perks, this month has some solid options. Letās dive in.
š Major Refresh: Chase Sapphire ReserveĀ®
The Chase Sapphire ReserveĀ® has long been a staple for frequent travelersāand it just got a major refresh. With more lifestyle credits, stronger multipliers, and a powerful new points redemption feature, it now delivers over $2,700 in annual cardmember value.
Chase Sapphire ReserveĀ®Annual fee: $795
Sebby's Take: This premium travel card is packed with perks like airport lounge access, travel credits, and elevated rewards on travel and dining. Itās a top choice for frequent travelers who want premium benefits and flexible redemption options
Annual fee: $795
Sebby's Take: This premium travel card is packed with perks like airport lounge access, travel credits, and elevated rewards on travel and dining. Itās a top choice for frequent travelers who want premium benefits and flexible redemption options
On the fence? Crunch your numbers in the calculator here.
NEW: Sapphire Reserve for Businessā
The business version shares the travel DNA of the personal card, with added perks for businesses. It delivers over $2,500 in annual valueāand mirrors many of the personal cardās best perks for a $795 annual fee.
Sapphire Reserve for Businessā Annual fee: $795
Sebby's Take: If your business spends heavily on travel, advertising, or software, the card can return a lot of valueāespecially once you factor in the travel credits and lounge access. Itās a strong option for founders who want to consolidate spend and earn flexible points.
Annual fee: $795
Sebby's Take: If your business spends heavily on travel, advertising, or software, the card can return a lot of valueāespecially once you factor in the travel credits and lounge access. Itās a strong option for founders who want to consolidate spend and earn flexible points.
American Express Offers
You can now apply and find your welcome offer to see if you get an "as high as" offer for select cards. Welcome offers vary, and you may not be eligible for an offer.
The Platinum CardĀ® from American ExpressAnnual fee: $695
Terms apply | Rates & Fees
Sebby's take: Despite a hefty annual fee, you get up to $1,574 in credits that help offset this. The card is great for people who benefit from lounge access, travel protections, and access to programs like Fine Hotels & Resorts.
Sebby's take: Despite a hefty annual fee, you get up to $1,574 in credits that help offset this. The card is great for people who benefit from lounge access, travel protections, and access to programs like Fine Hotels & Resorts.
American ExpressĀ® Gold CardAnnual fee: $325
Terms apply | Rates & Fees
Sebby's take: One of the strongest cards that's great for people who spend a lot on dining, U.S. supermarkets, and flights booked directly. The annual fee is offset with a monthly dining credit and monthly Uber Cash.
Sebby's take: One of the strongest cards that's great for people who spend a lot on dining, U.S. supermarkets, and flights booked directly. The annual fee is offset with a monthly dining credit and monthly Uber Cash.
Hilton Honors American Express SurpassĀ® Card
The Hilton Surpass card has a $0 introductory annual fee for the first year, then $150. Offer Ends 8/13/2025.
Hilton Honors American Express SurpassĀ® CardAnnual fee: $0 introductory annual fee for the first year, then $150.
Terms apply | Rates & Fees
Sebby's Take: This mid-tier hotel card offers strong Hilton Honors earning rates, automatic Gold status, and a Free Night Reward after eligible spending. Itās a solid pick for travelers who stay with Hilton often and want elevated perks without the premium price tag.
Sebby's Take: This mid-tier hotel card offers strong Hilton Honors earning rates, automatic Gold status, and a Free Night Reward after eligible spending. Itās a solid pick for travelers who stay with Hilton often and want elevated perks without the premium price tag.
IHG One Rewards Cards
The IHG personal cards just launched their highest points offers of the year!
IHG One Rewards Premier Credit CardAnnual fee: $99
Sebby's Take: A great card for IHG loyalists due to the multipliers. You also get an anniversary night (valued up to 40,000 points) every cardmember year for keeping the card, which helps offset the annual fee.
Annual fee: $99
Sebby's Take: A great card for IHG loyalists due to the multipliers. You also get an anniversary night (valued up to 40,000 points) every cardmember year for keeping the card, which helps offset the annual fee.
IHG One Rewards Traveler Credit CardAnnual fee: $0
Sebby's Take: A good entry point into the IHG ecosystem and offers a great earn rate for your IHG stays. It's one of the few no annual fee cards that offer no foreign transaction fees.
Annual fee: $0
Sebby's Take: A good entry point into the IHG ecosystem and offers a great earn rate for your IHG stays. It's one of the few no annual fee cards that offer no foreign transaction fees.
United Credit Cards
United just refreshed their suite of credit cards, which means new benefits and some increased offers worth considering if United is your airline of choice.
The New United Questā CardAnnual fee: $350
Sebby's Take: My recommendation for United loyalists. The $200 credit and 10,000-mile credit each account anniversary when booking an award flight helps offset the annual fee. On top of that, you get free first and second checked bags.
Annual fee: $350
Sebby's Take: My recommendation for United loyalists. The $200 credit and 10,000-mile credit each account anniversary when booking an award flight helps offset the annual fee. On top of that, you get free first and second checked bags.
The New Unitedā Business CardAnnual fee: $150
Sebby's take: Get the perks of airline status, without being a frequent flyer. My favorite is free first checked bag (great for skiiers!). The annual fee is offset by 2 United Club one-time passes per year. Plus, add employee cards at no additional cost.
Annual fee: $150
Sebby's take: Get the perks of airline status, without being a frequent flyer. My favorite is free first checked bag (great for skiiers!). The annual fee is offset by 2 United Club one-time passes per year. Plus, add employee cards at no additional cost.
In this article
- š Major Refresh: Chase Sapphire ReserveĀ®
- Sapphire Reserve for Businessā
- American Express "As High As" Offers
- Hilton Honors American Express SurpassĀ® Card
- IHG One Rewards Cards
- United Credit Cards