The 15 best elevated credit card offers to sign up for in July

Jul 9, 2021

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Editor’s note: This is a recurring post, regularly updated with new information.


Credit card sign-up bonuses and welcome offers are the quickest and easiest way to rake in lots of points and miles, so we regularly update the roundup of our favorite current offers in our best credit cards guide.

But to help you keep up with an ever-changing list of bonuses, we’ve rounded up the best card offers currently available — especially the ones that are worth an extra look right now because they are at all-time highs or may end in the near future. This month, we’re seeing some especially enticing offers for some of the best travel credit cards, including some cobranded hotel and airline credit cards.

The ever-popular Chase Sapphire Preferred Card is actually at an all-time high right now, offering 100,000 bonus points with $4,000 in spending in the first three months from account opening. That’s an outstanding offer easily worth $1,250-$2,000, when either redeemed through Chase Ultimate Rewards or based on TPG valuations. There’s also a massive 100,000-point offer (after meeting minimum spending requirements) on The Platinum Card® from American Express, which was just refreshed with a slew of new perks.

Since many issuers have restrictions on how often you can earn a bonus on a card, it’s important to apply when there’s a good offer. Also, higher bonuses don’t always stick around for long, so if you’re considering one of these offers, you’ll want to hop on it sooner rather than later.

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In This Post

The best elevated card offers in July

Card Sign-up bonus/welcome offer Sign-up bonus/welcome offer value* Annual fee 
The Platinum Card® from American Express 100,000 points after spending $6,000 in the first 6 months. Plus, 10x points on eligible purchases at restaurants worldwide and when you “Shop Small” in the U.S. during your first 6 months of card membership (on up to $25,000 in combined purchases). $2,000 $695 (see rates & fees)
Chase Sapphire Preferred Card 100,000 points after $4,000 in spending in the first 3 months of account opening. $2,000 $95
Citi Premier® Card 80,000 points after $4,000 in spending in the first 3 months of account opening. $1,360 $95
Delta SkyMiles® Gold American Express Card Earn 40,000 bonus miles after you spend $1,000 in purchases on your new card in your first three months card membership. Plus, earn up to $50 back in statement credits for eligible purchases at US restaurants with your card within the first 3 months of membership. Up to $490 Introductory annual fee of $0 for the first year, then $99(see rates & fees)
Delta SkyMiles® Platinum American Express Card Earn 50,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new card in your first three months of card membership. Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership. Up to $650 $250 (see rates & fees)
Delta SkyMiles® Reserve American Express Card Earn 50,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card in your first three months of card membership. Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants with your card within the first three months of membership. Up to $650 $550 (see rates & fees)
Delta SkyMiles® Gold Business American Express Card 50,000 miles after spending $2,000 in purchases on your new card in your first 3 months of card membership. Plus, a $50 statement credit after your first Delta purchase in the first 3 months.  $550 Introductory annual fee of $0 for the first year, then $99 (see rates & fees)
Delta SkyMiles® Platinum Business American Express Card

60,000 bonus miles, 5,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $3,000 in purchases on your new card in your first three months of card membership.

$660 $250 (see rates & fees)
Delta SkyMiles® Reserve Business American Express Card

Earn 60,000 bonus miles, 10,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $4,000 in purchases on your new card in your first three months of card membership.

$660 $550 (see rates & fees)
New United Quest Card Up to 100,000 miles: 80,000 miles after spending $5,000 in the first 3 months from account opening, plus an additional 20,000 miles after spending $10,000 in the first 6 months from account opening. Up to $1,300 $250
Chase Sapphire Reserve  60,000 points after spending $4,000 in the first 3 months. $1,200 $550
Marriott Bonvoy Boundless Credit Card 3 free night awards (each free night award has a redemption value up to 50,000 points, for a value of up to 150,000 total points) after you spend $3,000 on purchases in the first 3 months from account opening. Plus, 10x points on up to $2,500 in combined purchases at grocery stores, restaurants and gas stations within the first 6 months from account opening. Up to $1,200 $95
The Business Platinum Card® from American Express A special welcome offer for TPG readers: 125,000 points after you spend $15,000 on eligible purchases with the card within the first 3 months of card membership. $2,500 $595 (see rates & fees)
American Express® Gold Card 60,000 points after spending $4,000 in the first 6 months of card membership, though you may be able to get a higher bonus through the CardMatch tool (terms apply). $1,200 $250 (see rates & fees)

* Sign-up bonus/welcome offer value is determined using TPG valuations and is not provided by or reviewed by the issuer.

The Platinum Card® from American Express

American Express Platinum Card
(Photo by Wyatt Smith/The Points Guy)
Welcome offer Welcome offer value* Earning rates Annual fee
100,000 Membership Rewards points after you spend $6,000 on eligible purchases with the card within the first 6 months of card membership. $2,000 10x on eligible purchases at restaurants worldwide and when you Shop Small in the U.S. during your first 6 months of card membership (on up to $25,000 in combined purchases).

5x on flights booked directly with airlines or with Amex Travel (on up to $500,000 on these purchases per calendar year).

5x on prepaid hotels booked with Amex Travel.

1x everywhere else.

$695 (see rates & fees)

Often referred to as the king of the premium travel rewards cards, the Amex Platinum was just refreshed and now offers even more benefits. Cardholders enjoy perks such as automatic Gold status with both Hilton Honors and Marriott Bonvoy; access to more lounges at the airport than any other card offers, including Amex Centurion, Priority Pass and Delta Sky Club (on same-day Delta flights); and trip cancellation/interruption and trip delay insurance. On top of that, you’ll get up to $200 in annual airline fee statement credits, an up-to-$200 hotel statement credit to use toward prepaid bookings via Amex Travel Fine Hotels + Resorts or The Hotel Collection bookings and an up-to-$179 Clear membership statement credit, along with numerous other benefits. (Enrollment is required for select benefits.)

Related: Amex revamps Platinum Card with new ‘lifestyle-focused’ benefits, higher annual fee and big welcome bonus

New non-travel benefits include an up-to-$240 digital entertainment statement credit (split into monthly $20 credits) to use for Audible, The New York Times, SiriusXM and Peacock, and an up-to-$300 Equinox statement credit for select providers (up to $25 monthly credit). You also receive Uber VIP status and up to $200 in annual Uber Cash (split into monthly $15 credits for U.S. rides plus a $20 bonus in December). Enrollment is required for select benefits.

Read our review of the American Express Platinum Card.

APPLY HERE: The Platinum Card from American Express

Chase Sapphire Preferred

(Photo by The Points Guy)
Sign-up bonus Sign-up bonus value* Earning rates Annual fee
100,000 bonus points after $4,000 in spending in the first 3 months from account opening. $2,000 5x on Lyft (through March 2022).

2x on travel and dining.

1x elsewhere.

$95

There’s never been a better time than now to get the Sapphire Preferred. After 12 years, the card is now offering its highest sign-up bonus — ever.

If you can’t quite justify the Sapphire Reserve’s annual fee, or you just want as many sign-up bonus points as possible, you may find that the Chase Sapphire Preferred is a better fit. It earns 5 points per dollar on Lyft rides through March 2022, 2 points per dollar on travel and dining at restaurants and 1 point per dollar spent on all other purchases worldwide.

The points you earn with this card can be transferred to Chase’s airline and hotel partners or redeemed for 1.25 cents each through the Chase Ultimate Rewards portal. Benefits include 12 months of DashPass membership, primary rental car coverage, up to $500 in trip delay reimbursement if you’re delayed more than 12 hours or overnight, up to $10,000 in trip cancellation and interruption insurance and up to $100 per day for up to five days in baggage delay reimbursement if your bag is delayed more than six hours.

Read our review of the Chase Sapphire Preferred.

APPLY HERE: Chase Sapphire Preferred

Citi Premier® Card

(Photo by John Gribben for The Points Guy)
Sign-up bonus Sign-up bonus value* Earning rates Annual fee
80,000 bonus points after $4,000 in spending in the first 3 months of account opening. $1,360 3x at restaurants and supermarkets.

3x on air travel, hotels and gas stations.

1x on all other purchases.

$95

This is the card to get if you’re looking to quickly stock up on Citi ThankYou points. Eighty thousand points is much better than the 60,000 points this card previously offered — and is currently the highest publicly available bonus of any ThankYou Rewards-earning card.

What makes these points so valuable is that you can transfer them to over a dozen airline partners, including some less common ones such as Turkish Airlines Miles&Smiles.

Other benefits of the card include a $100 hotel savings benefit once per calendar year when you book a hotel stay of $500 or more through thankyou.com and access to Citi Entertainment, which gives you special access to purchase tickets to thousands of events, including presale tickets.

Read our review of the Citi Premier.

APPLY HERE:  Citi Premier Card

Delta credit cards

(Photo by The Points Guy)
Card Welcome offer Welcome offer value* Earning rates Annual fee 
Delta SkyMiles® Gold American Express Card Earn 40,000 bonus miles after you spend $1,000 in purchases on your new card in your first three months card membership. Plus, earn up to $50 back in statement credits for eligible purchases at US restaurants with your card within the first 3 months of membership. Up to $490 2x on eligible Delta purchases, at restaurants and U.S. supermarkets.

1x on all other purchases.

Introductory annual fee of $0 for the first year, then $99 (see rates & fees)
Delta SkyMiles® Platinum American Express Card Earn 50,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new card in your first three months of card membership. Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership. Up to $650 3x on eligible Delta purchases and at hotels (when booking direct).

2x at restaurants and U.S. supermarkets.

1x on all other purchases.

$250 (see rates & fees)
Delta SkyMiles® Reserve American Express Card Earn 50,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card in your first three months of card membership. Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants with your card within the first three months of membership. Up to $650 3x on eligible Delta purchases.

1x on all other purchases.

$550 (see rates & fees)
Delta SkyMiles® Gold Business American Express Card

Earn 50,000 bonus miles and a $50 statement credit after spending $2,000 in purchases on your new card in your first three months of card membership.

$550 2x on eligible Delta purchases, restaurants, U.S. shipping and U.S. advertising.

1x on all other eligible purchases.

Introductory annual fee of $0 for the first year, then, $99 (see rates & fees)
Delta SkyMiles® Platinum Business American Express Card

Earn 60,000 bonus miles, 5,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $3,000 in purchases on your new card in your first three months of card membership

 $660 3x on eligible Delta and hotel purchases.

1.5x on purchases over $5,000 (up to 50,000 miles per calendar year).

1x on all other purchases.

$250 (see rates & fees)
Delta SkyMiles® Reserve Business American Express Card

Earn 60,000 bonus miles, 10,000 Medallion® Qualification Miles (MQMs), and a $100 statement credit after spending $4,000 in purchases on your new card in your first three months of card membership.

 $660 3x on eligible Delta purchases.

1.5x on all purchases after spending $150,000 per calendar year.

1x on all other purchases.

$550 (see rates & fees)

Through July 28, 2021 Delta is offering elevated offers across almost all of its cobranded credit cards. They offer useful benefits such as free checked bags, priority boarding and discounts on eligible inflight purchases. The more expensive cards come with more premium benefits like lounge access and MQM spending boosts.

For a closer look at each of the cards, check out our comparison of the best Delta credit cards.

APPLY HERE: Delta SkyMiles Gold American Express Card
APPLY HERE: Delta SkyMiles Platinum American Express Card
APPLY HERE: Delta SkyMiles Reserve American Express Card
APPLY HERE: Delta SkyMiles Gold Business American Express Card
APPLY HERE: Delta SkyMiles Platinum Business American Express Card
APPLY HERE: Delta SkyMiles Reserve Business American Express Card

United Quest Card

United Quest
(Photo by John Gribben for The Points Guy)
Sign-up bonus Sign-up bonus value* Earning rates Annual fee
Earn up to 100,000 bonus miles after a total of $10,000 in purchases in the first 6 months from account opening — earn 80,000 bonus miles after spending $5,000 in the first 3 months from account opening, plus an additional 20,000 bonus miles after spending $10,000 in the first 6 months from account opening. $1,300 3x on United purchases (immediately after earning your $125 annual United purchase credit)

2x on all other travel, select streaming and dining purchases.

1x on everything else.

 

$250

Key benefits include a $125 annual United purchase credit, as well as up to 10,000 miles back each year — you’ll automatically get 5,000 miles back into your account after the first two United award flights you take per anniversary year. The card also offers a free first and second checked bag, an up-to-$100 TSA PreCheck/Global Entry application fee credit every four years, priority boarding, trip protectionexpanded award availability and lower average award prices.

APPLY HERE: United Quest Card

Chase Sapphire Reserve

(Photo by Wyatt Smith/The Points Guy)
Sign-up bonus Sign-up bonus value* Earning rates Annual fee
60,000 bonus points after you spend $4,000 in the first 3 months from account opening. $1,200 10x on Lyft purchases through March 2022.

3x on travel and dining.

1x on everything else.

 

$550

This is one of the best premium credit cards available. It earns a whopping 10 points per dollar on Lyft through March 2022, 3x on travel (after using the $300 travel credit) and dining, and 1x on everything else.

Chase defines travel and dining quite broadly, including everything from parking fees to Airbnb stays and food delivery orders. Perks of the card include a $300 annual travel creditLyft Pink membershipPriority Pass membership, up to $60 per year in DoorDash credits (at least for 2021), a complimentary DashPass membership and an impressive array of travel protections.

Read our review of the Chase Sapphire Reserve.

APPLY HERE: Chase Sapphire Reserve

Marriott Bonvoy Boundless Credit Card

(Photo by John Gribben for The Points Guy)
Sign-up bonus Sign-up bonus value* Earning rates Annual fee
Earn 3 free night awards (each free night award has a redemption value up to 50,000 bonus points, for a value of up to 150,000 total points) after you spend $3,000 on purchases in the first 3 months from account opening. Plus, earn 10x total points on up to $2,500 in combined purchases at grocery stores, restaurants and gas stations within the first 6 months from account opening. Up to $1,200 6x on eligible Marriott Bonvoy purchases.

2x on all other eligible purchases.

$95

One of the card’s biggest perks is a free annual award night worth up to 35,000 points. TPG values Marriott points at 0.8 cents each, meaning 35,000 points are worth $280. So, you only need to redeem your free night for one-third of that value to completely break even on your annual fee. Cardholders also get Silver status, with the ability to upgrade to Gold after $35,000 in annual spending on the card.

Read our review of the Marriott Bonvoy Boundless Credit Card.

APPLY HERE: Marriott Bonvoy Boundless Credit Card

The Business Platinum Card® from American Express

(Photo by The Points Guy)
Welcome offer Welcome offer value* Earning rates Annual fee
A special welcome offer for TPG readers: 125,000 Membership Rewards points after you spend $15,000 on eligible purchases with the card within the first 3 months of card membership. $2,500 5x on flights and prepaid hotels booked at amextravel.com.

1.5x on purchases over $5,000 (up to 1 million additional points per year).

1x everywhere else.

$595 (see rates & fees)

This business card stands out for its travel perks. Cardholders enjoy automatic Gold status in both the Hilton Honors and Marriott Bonvoy loyalty programs, along with numerous other benefits. Cardholders get access to more lounges at the airport than any other card offers, including Amex Centurion, Priority Pass and Delta Sky Club (on same-day Delta flights). Enrollment is required for select benefits.

On top of that, the card comes with up to $200 in annual airline fee statement credits and a 35% points rebate for flights booked through Amex Travel in first or business class on any airline (up to 500,000 points back per calendar year), or in any class on the airline of your choice each year. Non-travel benefits include up to $200 in annual statement credits toward U.S. Dell purchases. Enrollment is required for select benefits.

Read our review of the American Express Business Platinum Card.

APPLY HERE: The Business Platinum Card from American Express

American Express® Gold Card

(Photo by Wyatt Smith/The Points Guy)

While this technically isn’t a limited-time offer, you can often find elevated welcome offers through the CardMatch tool. For example, the American Express Gold Card, with a $250 annual fee (see rates and fees), offers a public welcome offer of 60,000 points after you spend $4,000 on eligible purchases within the first six months, but some new customers can earn a 75,000-point welcome offer after meeting the same minimum spending requirements via the CardMatch tool.

Please note: These elevated offers are targeted and subject to change at any time.

Read our review of the American Gold Card.

APPLY HERE: American Express Gold Card

* Bonus offer value based on TPG valuations and not provided by issuers. 

For rates and fees of the Amex Business Platinum Card, please click here.
For rates and fees of the Amex Platinum card, please click here.
For rates and fees of the Amex Gold card, please click here.
For rates and fees of the Amex Delta SkyMiles Gold card, click here.
For rates and fees of the Amex Delta SkyMiles Platinum card, click here.
For rates and fees of the Amex Delta SkyMiles Reserve card, click here.
For rates and fees of the Amex Delta SkyMiles Gold Business card, click here.
For rates and fees of the Amex Delta SkyMiles Platinum Business card, click here.
For rates and fees of the Amex Delta SkyMiles Reserve Business card, click here.

Featured photo by vgajic/Getty Images.


This is The Points Guy’s permanent page with limited-time welcome offers to consider each month, so you can bookmark it and check back regularly for updates. 

Delta SkyMiles® Platinum American Express Card

Earn 50,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new card in your first three months of card membership. Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership.

With Status Boost™, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year getting you closer to Medallion Status. Earn 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants and at U.S. supermarkets and earn 1X Mile on all other eligible purchases. Terms Apply.

Apply Now
More Things to Know
  • Earn 50,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new Card in your first 3 months.
  • Plus, earn up to $100 back in statement credits for eligible purchases at US restaurants with your card within the first 3 months of membership.
  • Accelerate your path to Medallion Status, with Status Boost®. Plus, in 2021 you can earn even more bonus Medallion® Qualification Miles (MQMs) to help you reach Medallion Status.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Earn 1X Miles on all other eligible purchases.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. *Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Enjoy your first checked bag free on Delta flights.
  • Fee Credit for Global Entry or TSA Pre✓®.
  • Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
  • No Foreign Transaction Fees.
  • $250 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Regular APR
15.74%-24.74% Variable
Annual Fee
$250
Balance Transfer Fee
N/A
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below 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.