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 youâre looking to earn more points, maximize cashback, or lock in premium perks, this month has some solid options. Letâs dive in.
đ Major Refresh: Chase Sapphire ReserveÂŽ
The Chase Sapphire ReserveÂŽ has long been a staple for frequent travelersâand 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 ReserveÂŽAnnual 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. Itâs 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. Itâs 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 Businessâ
The business version shares the travel DNA of the personal card, with added perks for businesses. It delivers over $2,500 in annual valueâand mirrors many of the personal cardâs best perks for a $795 annual fee.
Sapphire Reserve for Businessâ Annual fee: $795
Sebby's Take: If your business spends heavily on travel, advertising, or software, the card can return a lot of valueâespecially once you factor in the travel credits and lounge access. Itâs 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 valueâespecially once you factor in the travel credits and lounge access. Itâs 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 CardÂŽ 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 ExpressÂŽ 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.
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.
Delta Credit Cards
Delta has increased offers on their suite of cards, on both the personal and business side.
Delta SkyMilesÂŽ Gold American Express CardAnnual fee: $0 introductory annual fee for the first year, then $150.
Terms apply | Rates & Fees
Sebby's Take: A practical choice for casual Delta travelers, offering useful airline perks and the ability to earn SkyMiles on everyday purchases. Itâs a straightforward way to start getting more value from your Delta flights without a high annual fee.
Sebby's Take: A practical choice for casual Delta travelers, offering useful airline perks and the ability to earn SkyMiles on everyday purchases. Itâs a straightforward way to start getting more value from your Delta flights without a high annual fee.
Delta SkyMilesÂŽ Gold Business American Express CardAnnual fee: $0 introductory annual fee for the first year, then $150
Terms apply | Rates & Fees
Sebby's Take: A solid entry point for businesses that fly Delta, offering key travel perks like a first checked bag free and priority boarding. Itâs a practical way to earn SkyMiles on everyday business expenses while keeping annual fees manageable.
Sebby's Take: A solid entry point for businesses that fly Delta, offering key travel perks like a first checked bag free and priority boarding. Itâs a practical way to earn SkyMiles on everyday business expenses while keeping annual fees manageable.
Delta SkyMilesÂŽ Platinum American Express CardAnnual fee: $350
Terms apply | Rates & Fees
Sebby's Take: A mid-tier travel card that offers a mix of elevated SkyMiles earning and valuable Delta perks, including a Companion Certificate and a first checked bag free. Itâs a strong choice for frequent Delta travelers looking to boost rewards and enjoy added convenience.
Sebby's Take: A mid-tier travel card that offers a mix of elevated SkyMiles earning and valuable Delta perks, including a Companion Certificate and a first checked bag free. Itâs a strong choice for frequent Delta travelers looking to boost rewards and enjoy added convenience.
Delta SkyMilesÂŽ Platinum Business American Express CardAnnual fee: $350
Terms apply | Rates & Fees
Sebby's Take: A mid-tier business card that offers elevated SkyMiles earning and practical Delta perks like an Annual Companion Certificate, first checked bag free, and priority boarding. It's a strong option for business owners who frequently fly Delta and want travel benefits that add up.
Sebby's Take: A mid-tier business card that offers elevated SkyMiles earning and practical Delta perks like an Annual Companion Certificate, first checked bag free, and priority boarding. It's a strong option for business owners who frequently fly Delta and want travel benefits that add up.
Delta SkyMilesÂŽ Reserve American Express CardAnnual fee: $650
Terms apply | Rates & Fees
Sebby's take: The ideal option for Delta frequent flyers who can benefit from access to Delta Sky Clubs and Centurion Lounges (when flying Delta). Terms apply for lounge access. The annual fee is offset by the Annual Companion Certificate.
Sebby's take: The ideal option for Delta frequent flyers who can benefit from access to Delta Sky Clubs and Centurion Lounges (when flying Delta). Terms apply for lounge access. The annual fee is offset by the Annual Companion Certificate.
Delta SkyMilesÂŽ Reserve Business American Express CardAnnual fee: $650
Terms apply | Rates & Fees
Sebby's Take: The ideal option for Delta frequent flyers who can benefit from access to Delta Sky Clubs and Centurion Lounges (when flying Delta). Terms apply to lounge access. The annual fee is offset by the Annual Companion Certificate.
Sebby's Take: The ideal option for Delta frequent flyers who can benefit from access to Delta Sky Clubs and Centurion Lounges (when flying Delta). Terms apply to lounge access. The annual fee is offset by the Annual Companion Certificate.
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 Questâ 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 United Clubâ CardAnnual fee: $695
Sebby's Take: This is the perfect option for Star Alliance frequent flyers who can benefit from the United Club membership that comes with the card.
Annual fee: $695
Sebby's Take: This is the perfect option for Star Alliance frequent flyers who can benefit from the United Club membership that comes with the card.
The New United Gatewayâ CardAnnual fee: $0
Sebby's Take: An entry-level card in the United ecosystem. It's one of the few no annual fee cards that has no foreign transaction fees. In addition, you get multipliers for United, gas, and transit.
Annual fee: $0
Sebby's Take: An entry-level card in the United ecosystem. It's one of the few no annual fee cards that has no foreign transaction fees. In addition, you get multipliers for United, gas, and transit.
The New Unitedâ Explorer CardAnnual fee: $0 Intro Annual fee for the First Year, then $150
Sebby's Take: The ideal card to get the perks of airline status, without being a frequent flyer. My favorite is free first checked bag (great for skiers!). The annual fee is offset by 2 United Club one-time passes per year.
Annual fee: $0 Intro Annual fee for the First Year, then $150
Sebby's Take: The ideal card to get the perks of airline status, without being a frequent flyer. My favorite is free first checked bag (great for skiers!). The annual fee is offset by 2 United Club one-time passes per year.
The New Unitedâ Business CardAnnual fee: $0 introductory annual fee for the first year, then $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: $0 introductory annual fee for the first year, then $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
- đ Major Refresh: Chase Sapphire ReserveÂŽ
- Sapphire Reserve for Businessâ
- American Express "As High As" Offers
- IHG One Rewards Cards
- Delta Credit Cards
- United Credit Cards