If you’re planning to travel or level up your rewards game next summer, NOW is the time to start earning the points for next year’s travel plans. Whether you’re just getting started or already a points pro, now is a great time to apply for a new card and take advantage of limited-time bonuses, generous multipliers, and travel perks.
In this blog post, we’ll break down the Best Credit Card Offers for July 2025, who they’re best for, and how to make the most of them.
1.Chase Sapphire Preferred
Best For: Beginners & budget travelers
Welcome Bonus:75,000 points after spending $5,000 in the first 3 months
Annual Fee: $95
Why It’s a Top Pick:
- 8x points on all purchases through Chase Travel
- 4x points on flights booked directly with airlines
- 3x on dining worldwide
- 3x points on online grocery purchases
- $50 annual travel credit
- Points are transferable to top partners like Hyatt, United, and Air Canada Aeroplan
- Excellent benefits: trip delay, baggage insurance, and more
Ideal For: If you’re starting your travel rewards journey, this card gives you outsized value for a low annual fee.
2. Chase Sapphire Reserve
Best For: This card just got a refresh, and the perks are amazing for frequent travelers who desire luxury.
Welcome Bonus: 100,000 points + $ 500 Chase Travel Credit after spending $5,000 in the first 3 months.
Annual Fee: $795
Key Benefits:
- 8x points on all purchases through Chase Travel
- 4x points on flights booked directly with airlines
- 3x on dining
- $500 Chase Travel credit (limited offer)
- $300 annual travel credit
- $500 credit for stays with The Edit (handpicked collection of hotels and resorts)
- Chase Sapphire Lounge (plus 2 guests complimentary, Priority Pass Lounge Access + Global Entry/TSA PreCheck credit
- Other credits with door dash, lyft, apple TV, Peloton and many more
- Same top-tier transfer partners as Preferred (Hyatt, United, etc.)
Pro Tip: If you travel often and can use the lounge access + credits, the Reserve easily pays for itself.
3. American Express® Gold Card (Personal)
Best For: Foodies and Families who spend a lot on groceries
Welcome Bonus: 100,000 Membership Rewards® points after $6,000 spend within the first 6 months
Annual Fee: $325
Highlights:
- 4x points at restaurants (including takeout & delivery)
- 4x at U.S. supermarkets (up to $25,000 per year)
- 3x on flights booked directly or on amextravel.com
- $120/year Uber Cash – Get $10 in uber cash each month to use on orders and rides in the U.S.
- $155 Walmart plus credit
- $120/year dining credit
Why We Love It: High earning rates on categories you probably already spend on, and the credits help offset the annual fee.
4. American Express® Platinum Card (Personal)
Best For: Luxury travelers & lounge lovers
Welcome Bonus: Up to 175,000 Membership Rewards® points after you spend $8,000 within the first 6 months
Annual Fee: $695
Premium Perks:
- 5x on flights booked directly or through Amex Travel
- Access to Centurion Lounges, Delta Sky Clubs, and Priority Pass
- $200 hotel credit, $200 airline fee credit, $199 CLEAR® credit
- $200 Uber Cash and $100 Saks Credit.
Who Should Get It: If you travel multiple times per year and want first-class travel benefits, this is the ultimate status card.
5.Marriott Bonvoy Boundless® Credit Card
Best For: Hotel lovers & Marriott loyalists
Welcome Bonus: Up to 5 Free Night Awards (worth up to 250,000 points total) – Limited time offer ending July 16 – Act Fast!!
Annual Fee: $95
Benefits:
- 6x points at Marriott hotels
- 15 elite night credits toward status
- 1 free night certificate (up to 35,000 pts) each year after renewal
- Silver Elite Status automatically
Pro-tip: Make sure you have plans on how to use the 5 free nights as it expires 1 year after issuance. Marriott points can go far, especially with 5th night free when booking with points.
6. Chase Ink Business Cash
Best For: Entrepreneurs, freelancers & small business owners
Welcome Bonus: Earn up to $750 bonus cash back (Earn $350 after you spend $3,000 in the first 3 months). Convert the cash back into 75,000 when paired with the Chase Sapphire Card
Annual Fee: No annual fee
Why It’s Worth It:
- $0 Annual fee
- 5% cash back when used at office supply stores or for internet, cable and phone services
- 2% cash back for gas stations and restaurants
- 0% intro APR on purchases for 12 months
- Points are transferable to Chase’s top travel partners (like United, Hyatt, and Air Canada) when paired with Chase Sapphire
Pro Tip: Pair this with a personal favorite card (like Sapphire Preferred or Reserve) to combine points and boost redemption value even further. This is also a great card for long term projects with 0% APR for 12 months.
7. Chase Sapphire Reserve® for Business
Welcome Offer:
Earn 200,000 bonus points after spending $30,000 in your first 6 months.
Annual Fee: $795
Points Earning Highlights:
- 8X on hotels and car rentals booked through Chase Travel℠
- 5X on Lyft rides
- 4X on flights and hotels booked directly
- 3X on shipping, internet, phone, cable, and select ads
- $300 annual travel credit
- $500 credit for stays with The Edit (handpicked collection of hotels and resorts)
- Chase Sapphire Lounge (plus 2 guests complimentary, Priority Pass Lounge Access + Global Entry/TSA PreCheck credit
- $100 credit via giftcards.com
- Same top-tier transfer partners as Preferred (Hyatt, United, etc.)
Why It Stands Out:
Premium perks for high-spending business owners — including 50% more value on travel redemptions, airport lounge access, and 1:1 point transfers to top airline and hotel partners.
🚀 Final Thoughts
The right card depends on your spending habits, travel style, and goals. Whether you want cash back, travel perks, or points you can transfer for luxury flights, there’s a card this July that can get you closer to your next adventure.! 💃
If you need help finding the next card for you, schedule a one-on-one HERE.
