The offer for the Ink Business Preferred® Credit Card has expired. Learn more about the current offers here.
Every month I make a post with what I consider to be the best credit card offers at the time, with a particular focus on the best travel credit cards. It’s always a great time to start getting your points strategy in order, so you’re ready to plan your dream trip when the time is right.
While there are several excellent long-standing credit card offers, the specifics of the top offers are constantly changing (be it the annual fee, minimum spending requirement, or even amount of the welcome bonus).
If you read my blog on a daily basis, then by all means skip this post. But for me, it’s a useful, “current” place to refer people who ask about which cards they should apply for, which is a question I get on a daily basis.
Why you should care about credit card offers
Simply put, most people want to travel better, but don’t know how. One of the best ways to improve your travel experience is to pick up an excellent credit card that can add value to your wallet.
After all, doesn’t this…
…look better than this?
When applying for a credit card, consider three main points:
In this post I’m focusing primarily on the welcome bonuses, which can be one of the best ways to get rewarded quickly. Often a good credit card bonus will be enough to earn you an international ticket in first or business class, which many would otherwise assume is off limits.
10 best credit card offers July 2025
Let’s look at some of the best credit card welcome bonuses that are available this month. Below are what I consider the current best offers to be. Before I share my list, let me just note a few things:
- I’m including publicly available offers that are available online — in some cases people may have better targeted offers, but it’s hard to include those
- When I list the value of a welcome offer, that’s based on my published valuation of points.
- The minimum spending requirements between these offers vary wildly, so everyone will have to factor that in based on their spending ability
1. Sapphire Reserve for BusinessSM
Current offer: 200,000 Ultimate Rewards points after spending $30,000 within six months
Annual fee: $795
Why it’s a great offer: The Sapphire Reserve Business is Chase’s new premium business card. While the card has a high annual fee, it offers valuable perks, like a Priority Pass membership, Chase Sapphire Lounge access, and more. On top of that, the card offers all kinds of credits that can help offset the annual fee, like a $300 annual travel credit. While the card has a significant spending requirement, I value the welcome bonus on this card at $3,400.
Learn more about the Sapphire Reserve Business (apply for the Sapphire Reserve Business).
2. Capital One Venture X Business
Current offer: 150,000 miles after spending $30,000 within three months
Annual fee: $395
Why it’s a great offer: Not only does the Venture X Business offer an excellent welcome bonus, but it’s also incredibly lucrative. The card offers a variety of perks, including a $300 annual travel credit, 10K bonus anniversary miles, a Priority Pass membership, access to Capital One Lounges and Capital One Landings, and more. While the spending requirement is significant, I value the welcome bonus on this card at $2,550.
Learn more about the Capital One Venture X Business (apply for the Capital One Venture X Business).
3. The Business Platinum Card® from American Express
Current offer: 150,000 Membership Rewards points after spending $20,000 within three months
Annual fee: $695 (Rates & Fees)
Why it’s a great offer: The Amex Business Platinum is a premium business card. In addition to valuable lounge access, the card also offers all kinds of credits and benefits that can help offset the annual fee. Anecdotally, I also find the card to be quite easy to get approved for. I value the welcome bonus on this card at $2,550.
Learn more about the Amex Business Platinum (apply for the Amex Business Platinum).
4. Chase Sapphire Reserve® Card
Current offer: 100,000 Ultimate Rewards points plus a $500 Chase Travel credit after spending $5,000 within three months
Annual fee: $795
Why it’s a great offer: The Sapphire Reserve is Chase’s premium personal card. In addition to valuable lounge access, the card offers all kinds of credits that can help offset the annual fee. This includes a $300 annual travel credit, up to a $300 annual dining credit, up to a $500 annual hotel credit, and more. I value the welcome bonus on this card at $2,200.
Learn more about the Sapphire Reserve (apply for the Sapphire Reserve).
5. Capital One Spark Cash Plus
Current offer: Cash bonus of $2,000 after spending $30,000 within three months, plus an additional $2,000 cash bonus for every $500,000 spent during the first year
Annual fee: $150
Why it’s a great offer: The Capital One Spark Cash Plus is offering a huge bonus of $2,000 cash back after meeting the $30,000 spending requirement, which is lucrative. This is an all-around great card, as it ordinarily offers 2% cash back with no caps and no foreign transaction fees. Best of all, rewards can even be converted into Capital One miles at the rate of one cent per mile, making this even more lucrative. This is a card that’s good for both for the welcome bonus and for everyday spending.
Learn more about the Spark Cash Plus (apply for the Spark Cash Plus).
6. American Express® Business Gold Card
Current offer: 100,000 Membership Rewards points after spending $15,000 within three months
Annual fee: $375 (Rates & Fees)
Why it’s a great offer: In addition to a great welcome offer, the Amex Business Gold is also one of the best Amex business cards for earning Membership Rewards points, given the 4x points categories. Anecdotally, I find the card to be quite easy to be approved for as well. I value the welcome offer on the card at $1,700.
Learn more about the Amex Business Gold (apply for the Amex Business Gold).
7. Ink Business Preferred® Credit Card
Current offer: 90,000 Ultimate Rewards points after spending $8,000 within three months
Annual fee: $95
Why it’s a great offer: The Ink Business Preferred offers a consistently great bonus. On top of that, the Ink cards have extremely generous category bonuses that help sole proprietorships and small businesses maximize points on everyday credit card spending. This card offers 3x points on the first $150,000 spent annually in combined purchases on travel, shipping, internet, cable and phone services, advertising purchases made with social media sites and search engines, each account anniversary year. I value the welcome bonus on this card at $1,530.
Learn more about the Ink Business Preferred (apply for the Ink Business Preferred).
8. Chase Sapphire Preferred® Card
Current offer: 75,000 Ultimate Rewards points after spending $5,000 within three months
Annual fee: $95
Why it’s a great offer: The Sapphire Preferred has an improved welcome bonus, and offers bonus points on dining and travel, great travel protection, and more. Ultimate Rewards points can be transferred at a 1:1 ratio to Singapore KrisFlyer, United MileagePlus, World of Hyatt, and many other programs. To me, the welcome bonus is worth $1,275.
Learn more about the Chase Sapphire Preferred (apply for the Chase Sapphire Preferred).
9. Ink Business Unlimited® Credit Card
Current offer: 75,000 points after spending $6,000 within six months
Annual fee: no annual fee
Why it’s a great offer: The Ink Business Unlimited has a great welcome bonus, which is especially impressive for a no annual fee card. This is an excellent card for everyday spending, as you can earn 1.5x points on all purchases, and also take advantage of benefits like rental car coverage. Points can be pooled with the Ultimate Rewards points earned on other cards. Assuming you have the card in conjunction with one accruing premium Ultimate Rewards points, I value the welcome bonus on this card at $1,275.
Learn more about the Ink Business Unlimited (apply for the Ink Business Unlimited).
10. Ink Business Cash® Credit Card
Current offer: Up to 75,000 points — 35,000 points after spending $3,000 within three months, an additional 40,000 points after spending a total of $6,000 within six months
Annual fee: no annual fee
Why it’s a great offer: The Ink Business Cash has a generous welcome bonus, which is lucrative for a no annual fee card. This is an excellent card for its bonus categories, as you can earn 5x points in select categories, and also take advantage of benefits like rental car coverage. Points can be pooled with the Ultimate Rewards points earned on other cards. Assuming you have the card in conjunction with one accruing premium Ultimate Rewards points, I value the welcome bonus on this card at $1,275.
Learn more about the Ink Business Cash (apply for the Ink Business Cash).
Rules of applying for credit cards
Before applying for cards, makes sure you’re aware of the rules each bank has for credit card applications.
One of the common misconceptions people have is that they think applying for credit cards will hurt their credit. The opposite is largely true, actually. Assuming you use your credit responsibly (and make payments on time, don’t utilize too much of your credit, etc.), applying for credit cards can actually help your credit.
Lastly, if you are going to apply for credit cards, make sure you do so responsibly — only apply for them if you have self-control and won’t end up in debt, and try to pay your balance in full every month, or else the interest charges will negate any rewards earned.
Bottom line
The above are just some of the best credit card offers right now, though there are so many others to choose from. If you’re already into miles & points but don’t have some of the above cards, consider applying. If you’re new to miles & points, it’s always the right time to get started!
The following links will direct you to the rates and fees for mentioned American Express Cards. These include: American Express® Business Gold Card (Rates & Fees), and The Business Platinum® Card from American Express (Rates & Fees).
