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.
Southwest Credit Cards
Chase and Southwest Airlines just rolled out a major refresh of their entire Rapid Rewards credit card lineup, along with some of the best offers this year.
Southwest Rapid RewardsÂŽ Priority Credit CardAnnual fee: $229
Sebby's Take: A top-tier Southwest card offering 3x 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 3x 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 RewardsÂŽ 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.
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.
Hilton Honors American Express SurpassÂŽ 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 SurpassÂŽ 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. Itâs 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. Itâs a solid pick for travelers who stay with Hilton often and want elevated perks without the premium price tag.
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 Unitedâ 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
- đ Major Refresh: Chase Sapphire ReserveÂŽ
- Sapphire Reserve for Businessâ
- Southwest Credit Cards
- American Express "As High As" Offers
- Hilton Honors American Express SurpassÂŽ Card
- United Credit Cards