Best Credit Card Offers October 2025
Updated Monthly With the Best Welcome Offers Available Now
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.
September 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.
💎 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.
NEW: Sapphire Reserve for Business℠
The business version shares the travel DNA of the personal card, with added perks for businesses. It delivers over $2,500 in annual value—and mirrors many of the personal card’s best perks for a $795 annual fee.
Sapphire Reserve for Business℠Annual fee: $795
Sebby's Take: If your business spends heavily on travel, advertising, or software, the card can return a lot of value—especially once you factor in the travel credits and lounge access. It’s 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 value—especially once you factor in the travel credits and lounge access. It’s a strong option for founders who want to consolidate spend and earn flexible points.
No Annual Fee Ink Cards
Although the Ink cards are marketed as earning cash back, they actually earn Chase Ultimate Rewards that you can combine with other UR earning cards for better redemptions. $900 = 90,000 UR points.
Ink Business Cash® Credit CardAnnual fee: $0
Sebby's take: Ideal for people with high spend at office supply stores or on internet, cable and phone services. Given the flexibility of Ultimate Reward (UR) points, this is one of the best earners cards.
Annual fee: $0
Sebby's take: Ideal for people with high spend at office supply stores or on internet, cable and phone services. Given the flexibility of Ultimate Reward (UR) points, this is one of the best earners cards.
Ink Business Unlimited® Credit CardAnnual fee: $0
Sebby's Take: A great catch-all card for "everything else" spend. Despite the marketing, you earn Ultimate Reward (UR) points which can be useful if you have a Sapphire Preferred/Reserve or Ink Preferred.
Annual fee: $0
Sebby's Take: A great catch-all card for "everything else" spend. Despite the marketing, you earn Ultimate Reward (UR) points which can be useful if you have a Sapphire Preferred/Reserve or Ink Preferred.
Capital One Cards
A handful of no-annual-fee Capital One cards are offering a $100 Capital One Travel credit, in addition to the usual intro bonus.
Capital One Savor Cash Rewards Credit CardAnnual fee: $0
Sebby's take: Earner card where you get 3% on dining, grocery stores, entertainment, and popular streaming. This is one of the few no annual fee cards that also have no foreign transaction fees.
Annual fee: $0
Sebby's take: Earner card where you get 3% on dining, grocery stores, entertainment, and popular streaming. This is one of the few no annual fee cards that also have no foreign transaction fees.
Capital One VentureOne Rewards Credit CardAnnual fee: $0
Sebby's Take: No-annual-fee travel card earns 1.25x miles on every purchase and offers flexible redemptions through Capital One’s travel portal or transfer partners. It’s a low-commitment option for occasional travelers who still want to earn rewards.
Annual fee: $0
Sebby's Take: No-annual-fee travel card earns 1.25x miles on every purchase and offers flexible redemptions through Capital One’s travel portal or transfer partners. It’s a low-commitment option for occasional travelers who still want to earn rewards.
Capital One Quicksilver Cash Rewards Credit CardAnnual fee: $0
Sebby's take: Ideal for those who want simple, flat-rate rewards without keeping track of bonus categories.
Annual fee: $0
Sebby's take: Ideal for those who want simple, flat-rate rewards without keeping track of bonus categories.
Hilton Credit Cards
The Hilton suite of cards has increased offers until 1/14/2026.
Hilton Honors American Express Surpass® CardAnnual fee: $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. It’s 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. It’s a solid pick for travelers who stay with Hilton often and want elevated perks without the premium price tag.
Hilton Honors American Express CardAnnual fee: $0
Terms apply | Rates & Fees
Sebby's Take: Earn elevated multipliers at Hilton properties, U.S. gas stations, U.S. restaurants, and U.S. supermarkets. The card also has no annual fees, making it easy to keep.
Sebby's Take: Earn elevated multipliers at Hilton properties, U.S. gas stations, U.S. restaurants, and U.S. supermarkets. The card also has no annual fees, making it easy to keep.
The Hilton Honors American Express Business CardAnnual fee: $195
Terms apply | Rates & Fees
Sebby's Take: Get competitive multipliers at Hilton properties and select business and travel purchases. The card also comes with Hilton Gold status.
Sebby's Take: Get competitive multipliers at Hilton properties and select business and travel purchases. The card also comes with Hilton Gold status.
IHG One Rewards Cards
If IHG is your hotel group of choice, a new best-ever offer just dropped for the no annual fee IHG One Rewards Traveler Credit Card, along with new promos for their other cards.
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.
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 Premier Business 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.
British Airways Visa Signature® Card
British Airways Visa Signature® CardAnnual fee: $95
Sebby's take: Ideal for loyalists who want to earn Avios. It gives you a 10% discount when booking via a special link and up to $600 statement credit on reward flight bookings. Also, you can earn a two-for-one "travel together" ticket spend you spend $30,000 each year on the card.
Annual fee: $95
Sebby's take: Ideal for loyalists who want to earn Avios. It gives you a 10% discount when booking via a special link and up to $600 statement credit on reward flight bookings. Also, you can earn a two-for-one "travel together" ticket spend you spend $30,000 each year on the card.
Delta SkyMiles®Cards
If Delta is your airline of choice, the suite of cards has limited-time offers to consider.
Delta SkyMiles® 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. It’s 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. It’s a straightforward way to start getting more value from your Delta flights without a high annual fee.
Delta SkyMiles® 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. It’s 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. It’s a strong choice for frequent Delta travelers looking to boost rewards and enjoy added convenience.
Delta SkyMiles® 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 SkyMiles® 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. It’s 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. It’s a practical way to earn SkyMiles on everyday business expenses while keeping annual fees manageable.
Delta SkyMiles® 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 SkyMiles® 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.
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.
United Credit Cards
United just refreshed its suite of credit cards, which means new benefits and some increased offers worth considering if United is your airline of choice.
The New United℠ 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
- American Express "As High As" Offers
- 💎 Major Refresh: Chase Sapphire Reserve®
- Sapphire Reserve for Business℠
- No Annual Fee Ink Cards
- Capital One Cards
- Hilton Credit Cards
- IHG One Rewards Cards
- British Airways Visa Signature® Card
- Delta SkyMiles® Cards
- Atmos™ Rewards Ascent Visa Signature® Credit Card
- Marriott Bonvoy Credit Cards
- United Credit Cards