Best Credit Card Offers Nov 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.
Southwest Credit Cards
Select personal Southwest credit cards have increased offers, which is ideal for earning the Companion Pass.
Southwest Rapid Rewards® Priority Credit CardAnnual fee: $229
Sebby's Take: A top-tier Southwest card offering 4x points on Southwest purchases, a yearly travel credit, and four upgraded boardings per year. It's a strong choice for loyal Southwest flyers who want to boost rewards and enjoy extra travel perks without a high annual fee.
Annual fee: $229
Sebby's Take: A top-tier Southwest card offering 4x points on Southwest purchases, a yearly travel credit, and four upgraded boardings per year. It's a strong choice for loyal Southwest flyers who want to boost rewards and enjoy extra travel perks without a high annual fee.
Southwest Rapid Rewards® Plus Credit CardAnnual fee: $99
Sebby's Take: A good entry point if you're looking for a low annual fee option. In addition, you get 3,000 points for every cardmember anniversary which lowers the effective cost every year.
Annual fee: $99
Sebby's Take: A good entry point if you're looking for a low annual fee option. In addition, you get 3,000 points for every cardmember anniversary which lowers the effective cost every year.
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
- 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
- Southwest Credit Cards
- Atmos™ Rewards Ascent Visa Signature® Credit Card
- Marriott Bonvoy Credit Cards