July 1, 2024
The Best Credit Card Welcome Offers: July Edition
Pam
Let’s check out some of the best credit card welcome offers that are available now. We will look at each of these offers and see why they are valuable. Evaluating and comparing before deciding what to apply for is always a good idea. Nothing is worse than finally being ready to pull the trigger on an offer, and it’s gone! We love to apply when the offers are higher than usual, but also apply sometimes at the standard offers when having the card makes sense anyway.
Chase Ink Business Preferred® Credit Card
You’ll now earn an introductory welcome offer of 100,000 Ultimate Rewards points after spending $8,000 in the first 3 months. Those points are worth a minimum of $1,250 when redeemed in Chase Travel℠ (each point is worth 1.25 cents when redeemed in the portal) and could be worth even more when transferred to a partner like Hyatt. You better believe we’ve all applied for this one!
Chase Ink Business Cash® Credit Card
The welcome offer hasn’t increased on this card, but meeting the minimum spend has gotten easier. This makes this card a great choice for those who previously felt like they couldn’t meet a $6K minimum spend in just three months.
Chase Southwest Rapid Rewards Credit Cards
Currently, the Southwest® Rapid Rewards® Performance Business Credit Card and the Southwest® Rapid Rewards® Premier Business Credit Card have amazing introductory welcome offers that make the Southwest Companion Pass even easier to obtain.
American Express Hilton Honors Credit Cards
The Hilton Honors American Express Card, Hilton Honors American Express Surpass® Card, and American Express Hilton Honors Aspire all have higher-than-usual welcome offers. Even better, some come with a free night certificate that can be used almost ANYWHERE standard award pricing is available. Read about how we would use those certificates here.
Capital One Venture Rewards Credit Card
The Capital One Venture Rewards card currently has an introductory welcome offer of 75,000 Venture miles after spending $4,000 in the first three months. The annual fee is $95. Here are some ideas for redeeming Capital One Venture miles. These miles also work well to pay for Disney tickets.
You could even pay for Disney tickets with the Capital One Venture Card.
Other Co-Branded Airline Cards
The Aer Lingus Visa Signature® Card, Iberia Visa Signature® Card, and British Airways Visa Signature® Card have higher-than-usual welcome offers and might interest some of you who are planning to travel to Europe. Just remember that they take a 5/24 spot.
Bottom Line
Now is the time to learn more about these cards and earn a great welcome offer! We always advise applying when the welcome offer is high. Which card intrigues you right now?
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. American Express is a Travel Mom Squad advertiser, but we always show the best public offer even when we don’t earn a commission. Terms Apply.
Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.
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Editorial Note: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Alex, I have a question. When you are in flight and they offer you the card, do you get more miles than if you just open an account?
These inflight offers are often quite good and a little higher than usual.
Do most people use the cards for one year when they have annual fees? Or is it really worth it to keep them. It hurts my frugalness to pay those fees.
Are there any business cards that you recommend at this time. We have some major expenses but got the Amex Gold & Chase Sapphire a few months ago.
I would get the Ink Business Cash and Ink Business Unlimited.
If you are a newbie and just opened the chase sapphire… last week which card would you open next from this list and how long would you wait?
How do you know when offers will end?
Sorry if this is coming through multiples times, but wondering what card you would suggest from the list for a newbie that just opened the chase sapphire card a Week ago? Also how long would you wait to open it and is there a way to know when these offers will end?
Hello: I was just approved for the Chase Ink Business Preferred card and not realizing I should wait 30 days in order to apply for another card, applied for a personal card from Chase. My application was denied, of course. Is this going to hurt my credit?
You should call the reconsideration line. I did this same thing, called them and they approved me!
The number is (800) 432-3117.
TMS has a great podcast episode about this too! Which is how I knew to call them. Just checked and it’s episode 59! Highly recommend listening before calling too 😊
How do we decide if we want to go for the Ink Cash or Ink Unlimited?
My husband recently got the Ink Cash card. Since the new 90k bonus offer is out, our plan is for him to refer me so that I can also get the card with the 90k offer. However, the referral link is not offering the 90k offer, it’s still the 75k. Is that typical or will the referral link eventually update for referrals?
We did secure message on his card and ask for the 90k match since he opened his 2 weeks before the offer and they said they will match it. I’m assuming I could do the same, but would it be more reliable to wait until the referral link offers 90k or open now and secure message later to ask for the match?
Thanks in advance! Been reading your blog and listening to the podcast and am learning so much
Thanks!
Hi, I recently opened the Chase freedom unlimited on December 14th….is it too soon for me to apply for the ink business cash? Should I wait at least 30 days in between applications?
Can you use your companion pass to travel one way instead of round trip sometimes?
Absolutely!
Assuming 2 things: 1) you are not actively chasing a minimum spend requirement and 2) a purchase doesn’t fall into a bonus category for a particular card, what is your go-to credit card (or cards) that you keep and use for base spend? And, why?
(I’m assuming the reason behind it would be the points you deem as being most valuable for your purposes, and at a rate of 2x or at least 1.5x per $ spent. My mind immediately goes to like an Amex Blue Business card that earns 2x on every $ spent. Otherwise, my mind also goes toward a long term spending goal like pursuit of Hyatt Globalist, or some other long-term spend goal reward for an existing card. That, of whichever Chase card earns the most on everyday purchases that don’t get a better multiplier.)
Usually a Venture X card for 2x. However, I am almost always chasing minimum spend!
Thank you so much, Pam! I actually attempted a pre-approval on CapitalOne’s site (to see if it showed me as pre-approved) – and, it did not show me as pre-approved for the Venture (which many say will mean decline for the Venture X – and to wait a few months before trying).
So, do you have a runner-up or second choice right now that is not a Capital One card but good earning for everyday purchases?
Thanks again!
Thanks for this great post! I’m thinking of signing up for the Hyatt Business Card. We are Discoverists thanks to our stays and to my husband’s Hyatt personal card. My question is, if I open the Hyatt Business card, can I link it to our Hyatt account, even if the account is linked to Player 2’s personal card? Or will I have to open a second World of Hyatt account?
Thanks for this helpful post. I am thinking of opening the World of Hyatt Business Card. My husband has the World of Hyatt personal card and it is linked to our World of Hyatt account. If I get the business card in my name, will I be able to add it to our world of Hyatt account to continue accumulating elite nights, or would I need to open up a separate World of Hyatt account? Thank you!
Whoever opens the card will have the points linked to them so you will need your own WOH account. Unfortunately, you can’t combine those elite nights.
I was an authorized user on my husband’s Sapphire card for years. I recently had him remove me from his card. Do you think I’m still eligible to get my own card with the sign on bonus? He removed me about 3 months ago.
Yes, you should now be able to.
I have a question about the Hilton cards…is there a free night each year you hold the card or just the first year? Even on the no fee Honors card? I really would like to start with the Surpass card and then move to the Honors card but I am concerned that Amex might not award points if I get cards in the same family “out of order” What are your thoughts on this? Thanks so much for sharing your knowledge and experiences!
The only card that comes with an annual FNC is the Aspire. The others just have it as a welcome offer promo. The family language doesn’t currently pertain to the Hilton cards but that could change.