Credit Card Recommendations for July
One of the fastest and easiest ways to earn credit card points to redeem for free travel is through credit card welcome offers! Below is a list of elevated credit card offers and recommended credit cards to help you decide which credit card is best for your travel goals!
Chase Sapphire Reserve®
🔥 Best ever offer! Earn 100,000 bonus points + $500 Chase Travel after you spend $5,000 in purchases in the first 3 months of account opening. The annual fee for this card is steep ($795) HOWEVER, the $500 and $300 travel credits essentially erase the annual fee the first year. You’ll also get the 100k points and over $2,500 worth of annual credits!
Credit/benefits that come from being a Chase Sapphire Reserve cardholder: $300 annual travel credit, up to $120 Global Entry, TSA Precheck or Nexus credit every four years, airport lounge access for you + two guests to the Chase Sapphire Lounges by the Club and Priority Pass Lounges, travel protection & benefits, $10/month Lyft credits, DoorDash & DashPass benefits, $500 annual The Edit credit, IHG One Rewards Platinum Status, $300 annual dining credit, complimentary subscription to Apple TV+ and Apple Music, $300 StubHub and viagogo credit, $10/month towards Peloton Membership and MORE!
See a full breakdown of this card, credits and benefits -> HERE.
Chase Sapphire Reserve for Business®
🔥 Brand new card and offer! Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months. My take: this is a steep annual fee ($795) but if you can hit the minimum spend, you come out way ahead.
Chase boasts that this card unlocks over $2,500 in annual value on top of the welcome offer. Benefits and credits include $300 annual travel credit, up to $120 Global Entry, TSA Precheck or Nexus credit every four years, Airport Lounge Access for you + two guests to the Chase Sapphire Lounges by the Club & Priority Pass lounges, $500 annual The Edit credit, IHG One Rewards Platinum Elite Status, Travel Protections & Benefits, $400 ZipRecruiter credit, $200 Google Workspace credit, $100 Giftcards.com credit, $10/month in Lyft credits, DoorDash & DashPass Benefits and more!
See a full breakdown of this card and benefits -> HERE.
Chase Sapphire Preferred® Card
NEW OFFER! Earn 75,000 bonus points when you spend $5,000 in 3 months.
The Chase Sapphire Preferred® Card is my all-time favorite credit card and a very beginner friendly credit card! It has a $95 annual fee and comes with a $50 hotel credit to use when booking a hotel in Chase Travel. If you want to learn more about this card, check out my Ultimate Guide to the Chase Sapphire Preferred!
Capital One Spark Cash
🔥 Elevated offer - Earn $1,500 cash back (up from $750) once you spend $15,000 in the first 3 months of account opening. What I love about the offer is that it can be $1,500 cash back OR 150k miles! You can convert the cash back to 150,000 Venture miles if you hold a Venture miles earning credit card like the Capital One Venture Rewards Credit Card or the Capital One Venture X Rewards Credit Card.
🙌🏼 $0 annual fee the first year! Then $95! 2 percent cash back (or 2x points!) on all purchases! Important to note: while this is a business card, it STILL COUNTS towards your 5/24. You can qualify for a business card with just a small side hustle! → Here's how! Follow the 1 in 6 rule. You can only be approved for a new Capital One credit card every 6 months! If you've been approved for a Capital One credit card less than 6 months ago, I do not recommend applying for this card.
Capital One Venture X Rewards Credit Card
With the Capital One Venture X Rewards Credit Card , you’ll earn 75,000 Capital One Venture Miles when you spend $4,000 in the first 3 months.
This card comes with a $300 Annual Travel Credit (included in the first year!), 10,000 points awarded every account anniversary, which alone offsets the $395 annual fee! On top of this, you get a $120 credit for Global Entry or TSA PreCheck®. Cardholders also get complimentary access to Capital One Lounges and Priority Pass Lounges. Until February 1st, cardholders can also bring two guests into Capital One Lounges and Priority Pass Lounges. Until February 1st, cardholders can add an authorized user to their card and the authorized user + two guests will also get unlimited lounge access.
Ink Business Unlimited® Credit Card
🤯 No annual fee! With the Ink Business Unlimited® Credit Card, you earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
This card is advertised as a cash back credit card, but you actually earn 75,000 points! You can move your points earned on this card to a transferable card like the Chase Sapphire Preferred® Card, Chase Sapphire Reserve® or the Chase Ink Business Preferred® Credit Card and then transfer your points to transfer partners like Hyatt, Marriott, Southwest, United and more! I love that with this card you earn a simple 1.5% cash back or 1.5x on all purchases.
You do not need to have a full time business or LLC to qualify for a business credit card! You can get one with just a small side hustle! -> Here’s How!
Ink Business Cash® Credit Card
🤯 No annual fee! With the Ink Business Cash® Credit Card, you earn up to $750 bonus cash back with this tiered welcome offer. Earn $350 points when you spend $3,000 in 3 months and then an additional $400 when you spend a total of $6,000 in 6 months. *The previous offer was $6,000 in 3 months, so you get twice as long to meet the minimum spend right now!
This card is advertised as a cash back credit card, but you actually earn points! You can move your points earned on this card to a transferable card like the Chase Sapphire Preferred® Card, Chase Sapphire Reserve® or the Chase Ink Business Preferred® Credit Card and then transfer your points to transfer partners like Hyatt, Marriott, Southwest, United and more!
With this card you also earn 5x points for the first $25,000 spent at office supply stores and on internet, cable and phone services. Plus 2x points for the for the first 25,000 spent at gas stations and restaurants.
You do not need to have a full time business or LLC to qualify for a business credit card! You can get one with just a small side hustle! -> Here’s How!
Capital One Spark Cash Plus
🚨 Elevated offer! Earn $2,000 cash after you spend $30,000 in the first 3 months from account opening. With the high minimum spend, this offer is not for everyone but if you have big expenses coming up, this offer is great! If you also have a Venture miles earning card (or get one in the future) you can convert the cash back to Venture miles!
After meeting the minimum spend, these points can turn into 260,000 Venture miles! (200,000 points welcome offer + the 2x per dollar on every purchase)
Marriott Bonvoy Boundless® Credit Card
Earn 5 Free Nights (each night valued up to 50,000 points) after spending $5,000 on eligible purchases within 3 months of account opening with your Marriott Bonvoy Boundless® Credit Card. Certain hotels have resort fees. You CAN top these nights with Marriott points up to 15k points per night so you could use these for nights up to 65k points/night. These nights must be redeemed and used 12 months after issuance.
Aeroplan® Credit Card
Elevated offer! Here’s a creative & valuable way to use Aeroplan miles to cover any travel purchase with points! → Here's How
Earning Flexible and Transferrable Points is KEY!
The Chase Sapphire Preferred is a popular beginner friendly credit card!
The Capital One Venture Rewards Credit Card is a popular beginner friendly credit card!
The Citi Strata Premier℠ Card is a popular beginner friendly credit card!
TAP HERE to find a number of my favorite travel credit cards and their offers.
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FREE Beginner’s Guide to Points and Miles
Want to travel for free?! ✈️ Grab a FREE Beginner's Guide to Points and Miles and learn how to redeem FREE TRAVEL this year! CLICK HERE TO DOWNLOAD!
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