Best Credit Card Offers Jan 2026
Updated Monthly With the Best Welcome Offers Available Now
January brings a fresh batch of credit card offers, and some of them are worth paying attention to. Whether you’re looking to earn more points, maximize cashback, or lock in premium perks, this month has some solid options. Let’s dive in.
Capital One Venture Rewards Credit Card
One of our favorite limited-time offers is back! The last time we saw this offer was over a year and a half ago.
Capital One Venture Rewards Credit CardAnnual fee: $95
Sebby's Take: Earn unlimited 2x miles on every purchase and offers flexible travel redemptions, including transfers to airline and hotel partners. It's a strong mid-tier option for travelers who want solid rewards without overcomplicating things.
Annual fee: $95
Sebby's Take: Earn unlimited 2x miles on every purchase and offers flexible travel redemptions, including transfers to airline and hotel partners. It's a strong mid-tier option for travelers who want solid rewards without overcomplicating things.
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.
American Express Platinum Card®Annual fee: $895
Terms apply | Rates & Fees
Sebby's take: Despite a hefty annual fee, you get up to $3,500 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 $3,500 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 Express® 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.
The Business Platinum Card® from American ExpressAnnual fee: $895
Terms apply | Rates & Fees
Sebby's Take: The flagship Amex business travel card. Despite a hefty annual fee, you get up to $3,500 in credits that help offset this. The card is ideal for people who benefit from lounge access, travel protections, and access to programs like Fine Hotels & Resorts.
Sebby's Take: The flagship Amex business travel card. Despite a hefty annual fee, you get up to $3,500 in credits that help offset this. The card is ideal for people who benefit from lounge access, travel protections, and access to programs like Fine Hotels & Resorts.
💎 Chase Sapphire Reserve®
The Chase Sapphire Reserve® has long been a staple for frequent travelers, and 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 Reserve®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. It’s 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. It’s a top choice for frequent travelers who want premium benefits and flexible redemption options
On the fence? Crunch your numbers in the calculator here.
The World of Hyatt Credit Card
Earn up to 5 free nights with the new limited-time offer! Free nights can be redeemed at any Category 1-4 Hyatt hotel or resort worldwide.
The World of Hyatt Credit CardAnnual fee: $95
Sebby's Take: Ideal for those seeking a keeper hotel card with strong point redemption value. Earn a free night certificate on your cardmember anniversary.
Annual fee: $95
Sebby's Take: Ideal for those seeking a keeper hotel card with strong point redemption value. Earn a free night certificate on your cardmember anniversary.
Atmos™ Rewards Ascent Visa Signature® Credit Card
Alaska Airlines just launched its new loyalty program, Atmos Rewards, along with limited-time offers.
Atmos™ Rewards Ascent Visa Signature® Credit CardAnnual fee: $95
Sebby's Take: A strong value play for Alaska and Hawaiian Airlines flyers, especially if you can unlock the Companion Fare each year. It probably won’t be your everyday card, but it earns its spot in a focused travel setup. Terms apply. All information about the Atmos™ Rewards Ascent Visa Signature® Credit Card has been collected independently by AskSebby.com.
Annual fee: $95
Sebby's Take: A strong value play for Alaska and Hawaiian Airlines flyers, especially if you can unlock the Companion Fare each year. It probably won’t be your everyday card, but it earns its spot in a focused travel setup. Terms apply. All information about the Atmos™ Rewards Ascent Visa Signature® Credit Card has been collected independently by AskSebby.com.
Marriott Bonvoy Credit Cards
The American Express suite of Marriott Bonvoy cards has increased offers to consider.
Marriott Bonvoy Business® American Express® CardAnnual fee: $125
Terms apply | Rates & Fees
Sebby's Take: Get competitive multipliers at Bonvoy properties, restaurants worldwide, U.S. gas stations, U.S. shipping, and U.S. wireless telephone services. The annual fee is offset with a Free Night Award every cardmember anniversary. In addition, you get Bonvoy Gold status.
Sebby's Take: Get competitive multipliers at Bonvoy properties, restaurants worldwide, U.S. gas stations, U.S. shipping, and U.S. wireless telephone services. The annual fee is offset with a Free Night Award every cardmember anniversary. In addition, you get Bonvoy Gold status.
In this article
- Capital One Venture Rewards Credit Card
- American Express "As High As" Offers
- 💎 Major Refresh: Chase Sapphire Reserve®
- The World of Hyatt Credit Card
- Atmos™ Rewards Ascent Visa Signature® Credit Card
- Marriott Bonvoy Credit Cards