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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
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The 4 best Chase credit cards to apply for in July 2026
Stephanie Stevens is an associate writer with TPG's credit cards team. She focuses on creating timely credit cards content for TPG readers.
June 30, 2026 • 7 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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Quick summary
July 2026 features several credit cards offering their highest or matched welcome bonuses, making it a strong time to apply.
Options include cards with flexible travel rewards, premium travel perks for businesses, and cash-back opportunities for business expenses.
Eligibility often depends on recent credit card openings, and many business cards are accessible to freelancers and sole proprietors.
Each card is tailored to different needs, such as versatile travel rewards, premium business benefits, or straightforward cash-back for everyday business spending.
What to consider
Approval may be restricted by the 5/24 rule, which limits eligibility if you've opened five or more personal credit cards from any issuer in the past 24 months.
Some business cards require significant spending within a set period to unlock the welcome bonus, which may not suit all applicants.
Combining rewards from multiple cards can enhance value, especially for those who hold both personal and business products.
What you'll miss from the article
A detailed comparison of which card best matches your travel or business spending habits, including specific benefits and redemption strategies.
Generated by AI with support from our editorial team.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
If you’re eligible for a Chase card, July is one of the strongest times we’ve seen to apply, as four cards are offering either their best-ever bonus or a match to a previous high.
Whether you’re after flexible travel rewards, premium travel perks or cash back for your business, there’s likely an offer that fits your goals. Here’s how to decide which one deserves a spot in your wallet.
The best Chase credit cards to apply for in July 2026
Before choosing a card, make sure you're eligible. Chase generally follows its 5/24 rule, meaning you're unlikely to be approved for most Chase cards if you've opened five or more personal credit cards (from any issuer) in the past 24 months.
You'll also notice that three of the four cards on this list are business credit cards. You don't need a large company to qualify — many freelancers, gig workers, online sellers and sole proprietors may be eligible to apply using their Social Security number.
Between its flexible rewards, solid travel protections and reasonable annual fee, it's still my go-to recommendation for most people getting started in the world of points and miles.
Choose this card if: You want a versatile travel rewards card with flexible points, valuable travel protections and a reasonable annual fee.
Best for high-spending businesses: Sapphire Reserve for Business
Welcome offer: Earn 200,000 bonus points after spending $30,000 on purchases in the first six months from account opening.
Annual fee: $795
Standout benefits: Business owners with significant annual spending should take a close look at the Chase Sapphire Reserve for Business. The current welcome offer is worth $4,100 based on TPG's valuations, making it one of the most valuable bonuses currently available.
FOUR SEASONS
The card is best suited for businesses whose owners travel frequently. Benefits include airport lounge access, valuable lifestyle and travel credits that can help offset the annual fee and elevated earning rates on flight, hotel and Chase Travel purchases. Like other Ultimate Rewards cards, points can also be transferred to Chase's 14 airline and hotel loyalty partners.
The $30,000 spending requirement means this won't be the right fit for every business. However, businesses with planned expenses that comfortably meet the threshold can earn an exceptionally valuable welcome bonus while unlocking premium travel benefits.
Choose this card if: You travel often for business, can maximize the card's premium benefits and expect to spend at least $30,000 within the first six months.
Best for bonus-category business spending: Ink Business Cash
Welcome offer: Earn $750 cash back after spending $6,000 on purchases in the first three months from account opening.
Annual fee: $0
Standout benefits: The Ink Business Cash is a solid choice for businesses whose spending aligns with its bonus categories.
Cardholders earn 5% cash back at office supply stores and on internet, cable and phone services (on the first $25,000 spent in combined purchases each account anniversary year), plus 2% cash back at gas stations and restaurants (on the first $25,000 spent in combined purchases each account anniversary year).
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Combined with no annual fee and the current welcome offer, this is an especially attractive option for small-business owners with recurring expenses in those categories.
Choose this card if: Your business spends heavily on office supplies, internet, cable and phone services, gas or dining, and you don't want to pay an annual fee.
Best flat-rate business earning: Ink Business Unlimited
Welcome offer: Earn $750 cash back after spending $6,000 on purchases in the first three months from account opening.
Annual fee: $0
Standout benefits: The Ink Business Unlimited is ideal for business owners who want a straightforward rewards strategy. Rather than tracking bonus categories, the card earns at least 1.5% cash back on eligible purchases.
If you also hold a Chase Ultimate Rewards-earning card, such as the Sapphire Preferred or Sapphire Reserve for Business, you can combine your rewards and convert that cash back into fully transferable Ultimate Rewards points. That effectively turns the card's base earning rate into 1.5 Ultimate Rewards points per dollar spent — a return worth 3.1%, based on TPG's valuations.
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No annual fee, paired with its historically high welcome offer, makes it a compelling choice for businesses with diverse everyday spending.
Choose this card if: You want a simple catch-all business card that earns strong rewards on everyday business spending without worrying about bonus categories.
July is shaping up to be a strong one for Chase credit card welcome offers. Whether you're looking for a versatile travel card, a premium business rewards powerhouse, or a no-annual-fee business option, there's currently an elevated offer that can help you accelerate your rewards earnings.
The Sapphire Preferred remains our top pick for most travelers thanks to its combination of flexible rewards and valuable travel protections.
If you're eligible for a business card, the Sapphire Reserve for Business is best for frequent travelers who can maximize its premium perks, the Ink Business Cash is ideal for businesses with significant spending in its bonus categories and the Ink Business Unlimited is a great fit for businesses that want a simple catch-all card for everyday spending.
