My Personal Favorite Credit Cards for July

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Since credit card offers are constantly changing, I wanted to point out my top 5 offers on a monthly basis (past months: MarchAprilMay, June). Of course this list does not include all offers currently available (you can see a compiled list here), but I wanted to limit it to five and include some newly announced offers along with some offers that are close to expiring:

  • Chase Ink PlusEarn 50,000 points after $5,000 spend within the first three months. Annual fee waived for the first year then $95/year.
    • Perks: This card is part of the Chase Ultimate Rewards program and points earned can be transferred to many loyalty programs (my favorites being Hyatt, British Airways, and United). One of the best perks of this card is that you get 5x points at office supply stores and on all telecommunication costs (cell phone, internet, etc.). At office supply stores your entire purchase earns the 5x benefit, including gift card purchases! For telecommunications, let’s say you spend $400/month on everything (pretty easy to do for a family, unfortunately!), that will give you 24,000 points a year – or close enough to a domestic plane ticket!
    • Related Blog Posts: Chase Ink PlusChase Ink BoldChase Ultimate Rewards Blog Series
    • Application Link: Chase Ink Plus Application Link
  • Marriott Rewards® Premier Credit CardEarn 70,000 Marriott points for new applicants after spending $2,000 on the card in the first three months + 1 free award night (category 1-4); Free night (category 1-5) upon annual account renewal. This offer is only available to those with status – Marriott Silver, Gold, or Platinum.
    • Perks: Typically this card offers 50,000 points, so a 70,000 point offer is nice to see. This is one of the first credit cards I applied for in the points and miles world and while I do not use the card for my every day spend, it is a card I’ve held on to year after year. While the free night upon account renewal is capped at a category 5 hotel, I am always able to get more then $85 out of the free night. I’d say on average I get a $150 value out of the free night. The card also gives 15 nights towards status annually which came in very handy when I used to stay at Marriott hotels often, but needed the extra boost to hit Platinum status.
    • Related Blog Posts: Marriott Rewards Credit Card Overview
    • Application Link: Marriott Rewards® Premier Credit Card Application Link
      • If you do not have status this is the best offer for you which will give you 50,000 Marriott points after spending $1,000 on the card in the first three months. You will still get the 1 free award night (category 1-4), plus the annual free night (category 1-5) upon annual account renewal.
  • Hilton Reserve Credit Card: Earn 2 free weekend nights plus a $100 statement credit:
    • Earn a $100 statement credit after spending $100 or more on your first hotel stay in the Hilton HHonors Portfolio within the first 3 months of account opening. This is the additional limited time offer, so is great if you have an upcoming stay at any Hilton hotel. You can think of this as a free $100 towards your next stay! The downside though is that it is only valid for 3 months, so it is limited. This offer with the $100 statement credit is set to expire this Friday, July 18th.
    • Earn 2 weekend night certificates good at select hotels and resorts within the Hilton HHonors portfolio after $2,500 in purchases within 4 months of account opening
    • Perks: While I wouldn’t use this card for everyday spend, getting two free weekend nights at a high end hotel is great. These certificates can be used at expensive hotels in NYC, London, Hawaii, Maldives, Paris, etc. The only exclusions are all-inclusive resorts, Hilton Grand timeshare properties, and Waldorf Astoria hotels with no standard rooms offered. Additionally, the certificates are limited to Friday, Saturday, and Sunday nights. Unlike sign up offers where you earn points, this offers a fixed redemption so you are better off redeeming for an expensive high end hotel over a Hampton Inn, for example. If you typically redeem your points for inexpensive stays, then this card is not for you. But, if you are one that likes the lavish hotels, this is a great card. The certificates do expire, however, 12 months after they are deposited into your account. Additionally, this card entitles you to free Gold status which gets you free breakfast (except at Waldorf Astoria and Vacation Club hotels) and your 5th night free on all award redemptions. Lastly, if you spend $10,000 on the card within your cardmember year (rolling 12-months not a calendar year), you’ll receive another free night weekend certificate – this is a yearly perk.
    • Related Blog Posts: Hilton Reserve Credit Card Limited Time OfferHilton Blog Series
    • Application Link: Citi® Hilton HHonors™ Reserve Credit Card
  • US Airways Premier World Mastercard: Earn 40,000 miles after your first purchase on the card. When you redeem your points for a US Airways flight you’ll get a 5,000 mile discount. Currently, you also get an annual companion certificate good for up to 2 companions at $99 each, plus taxes and fees. $89 annual fee.
    • Perks: This card is good as it does not have a high annual spend and you get a great discount when redeeming your points. Even if you are not a US Airways traveler, this card is good for those who like to accrue American Airline miles. This is another way to earn more AA miles as eventually US Airways miles will transfer to your AAdvantage account. Also, eventually you will no longer be able to apply for this card when US Airways no longer exists. At that point, this card will turn into a Barclays American Airline credit card and will not be open to new applications.
    • Application Link: US Airways Premier World Mastercard
  • Club Carlson Premier Rewards Visa Signature® Card: Earn up to 85,000 points depending on which of the four cards you apply for (there are three personal cards and one business card). With some of the cards you earn yearly bonus points for account renewal (which more then makes up for the annual fee in my opinion). Annual fee varies based on the card you apply for. 

What are some of your favorite offers?

Disclosure: This post contains affiliate links. As always, thanks for supporting the blog and enjoy traveling on a deal!

Comments

  1. Just wanted to say thank you for this post. I am currently booking our honeymoon and the Marriott offer works perfectly for us. I would have never thought about apply for the credit card if it weren’t for you.

  2. Sorry for the question…I’m a newbie. My Marriott rewards card automatically transfers the miles to Delta. Will these $70,000 points transfer to airline miles the same way?

    • @Cindy – you have it set that all your points transfer automatically, or you have it set to earning Delta miles instead of points when staying at Marriott hotels?

    • @Cindy – I am not 100% sure, but I suggest changing it to not automatically transfer if you decide to apply.

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