Are you looking for the perfect credit card to sign up for in July?
Well, we’ve been able to gather some great credit card options that fit your dialing lifestyle.
In this article, we will brief you on the best credit cards for July 2023.
However, in this article we will have a main focus on the following:
- Best Cashback credit cards
- Best travel credit cards, and the best business credit cards
Hence, make sure you read this article closely to get the credit card that suits you best.
That being said, let’s have a look at the best credit cards for July 2023.
Best Cash Back Credit Cards
- Wells Fargo Active Cash Card
If you love earning while going about your daily spending the Well Fargo active cash card is for you.
As a new cardholder, you will get a bonus of $200 after spending $500 within the first 3 months.
Also, the Wells Fargo Active Cash Card comes with a $0 Annual Fee and offers a 0% intro APR for 15 months.
That’s not all, cardholders can also earn endless 2% cash rewards on purchases.
Hence, note that you can earn rewards with no categories to track or quarterly launches.
Also, you can enjoy other perks like; Cellular Telephone Protection. As well as the Wells Fargo Mobile app, Zero Liability Protection Credit. And also the Close-Upservice mark, etc.
For more info, visit https://creditcards.wellsfargo.com/active-cash-credit-card
Chase Freedom Unlimited
The Chase freedom unlimited credit card is another great card option to earn cash back.
This card comes with a welcome bonus of $200 bonus. Hence, to earn this bonus cardholder must spend at least $500 on purchases in the first 3 months.
Also, it offers 0% intro APR on purchases and balance transfers for 15 months and has a $0 Annual Fee.
Still, cardholders can enjoy great cash backs like;
- 5% cash back bonus on travel purchased via Chase Ultimate Rewards.
- 3% cash back bonus on dining at restaurants. As well as takeout and approved delivery services.
- 3% cash back bonus on drugstore purchases.
- 5% cash back bonus on all other purchases.
Also, cardholders can enjoy other benefits like;
- Zero Liability Protection
- Purchase Protection
- Extended Warranty Protection
- Trip Cancellation/Interruption Insurance
- 24/7 Fraud Monitoring
- Auto Rental Collision Damage Waiver
- Travel and Emergency Assistance Services
Visit, https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited for more info.
Discover it Cash Back
If you need a credit card with amazing cash-back rewards, then you need a Discover it Cash Back credit card.
The Discover it Cash Back credit card allows you to get endless cash back matches.
Hence, this allows you to get bonus matches of all your cash back at the end of your first year and often.
Also, this card charges a $0 annual fee and it offers a 0% Intro APR on purchases. And also on balance transfers for 15 months.
Thus, cardholders can enjoy other great perks like;
- 5% cash back on daily purchases at several locations up to the quarterly max when you activate.
- Instant 1% cash back on all other purchases.
- Online Privacy Protection.
- Free Social Security number alerts.
- Ability to turn your account on/off with Freeze It.
- $0 Fraud Liability Guarantee.
For more info, visit https://www.discover.com/credit-cards/cash-back/it-card.html
SavorOne Cash Rewards Credit Card by Capital One
If you spend a lot on food and other basic needs, you should sign up for this card.
This Credit Card is a great credit card for foodies and daily shoppers. It offers an intro bonus of $200 cash bonus. Hence, cardholders must spend a min of $1,000 on purchases within the first 3 months to access this benefit.
Also, you can earn 3% cash back on dining, events, and top streaming services as well as grocery stores.
That’s not all, you can also earn 1% on all other purchases and enjoy a $0 annual Fee.
In the same vein, you get to enjoy 0% intro APR on purchases and balance transfers for 15 months.
Still, cardholders also have access to extra perks like;
- $0 Foreign Transaction Fees
- Complimentary Concierge Service
- Extended Warranty
- 24-hour Travel Assistance Services
- Travel Accident Insurance
- Instant Purchase prompts
- Security Alerts
- $0 Fraud Liability
- Card Lock, etc.
Hence, visit https://www.capitalone.com/credit-cards/savorone-dining-rewards for more info.
Amex Blue Cash Preferred Card
The Blue Cash Preferred Card from Amex is an ideal card for daily shoppers.
This card comes with amazing offers and benefits for its cardholders.
Hence, you can get an intro bonus of $250 cashback in the form of a statement credit.
Thus, to get this cash back, you must spend a min of $3,000 on purchases within the first 6 months.
Also, this card offers 0% intro APR on purchases and balance transfers for 12 months. As well as an intro annual fee of $0 for the first 12 months.
Still, you also get to enjoy;
- 6% cash back on Groceries after spending $6,000 yearly on purchases at U.S. supermarkets.
- 6% cash back on approved streaming subscriptions.
- 3% cash back on Transit along and on gas at U.S. gas stations.
- 1% cash back on other purchases
Hence, cardholders can also enjoy the following benefits:
- Car Rental Loss and Damage Insurance
- Global Assist Hotline
- $84 Disney Bundle Credit
- Return Protection
- American Express Experiences, etc.
Visit https://www.americanexpress.com/us/credit-cards/card/blue-cash-preferred for more info.
Best travel credit cards for July 2023
Chase Sapphire Preferred Card
Looking for the right credit card to fits your traveling lifestyle, this is an option you should grab.
Chase Sapphire Preferred Card offers its new signees 60,000 bonus points. Hence, to get this offer new cardholders must spend $4,000 on purchases within the first 3 months.
However, this card charges a $95 annual fee and a variable APR of 21.24% to 28.24%.
Hence, cardholders can access the following perks:
- Up to $50 in the form of statement credits on each account every anniversary year. Hence, you can earn this bonus on hotel bookings through Chase Ultimate Rewards.
- 5x points on travel procured through Chase Ultimate Rewards. As well as 2x points on other travel orders.
- 3x points on dining, alongside approved delivery services, takeout, and dining out.
- 3x points on online grocery orders excluding Target, Walmart, and wholesale clubs. As well as 3x points on approved streaming services.
- 1 point for every single dollar spent on other purchases.
Also, card members can enjoy other benefits like:
- 1:1 Point Transfer
- Partner benefits
- Travel & purchase coverage
- $0 foreign transaction fees
- 24/7 access to customer services
- Pay overtime, etc.
Thus, visit https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred for more info.
The Platinum Card from American Express
If you love traveling and need the perfect credit card that suits your lifestyle, you need this card.
The Platinum Card from Amex allows you to customize your card’s design to fits your taste.
Also, you can earn 80,000 Membership Rewards Points. Thus you can earn this bonus after spending $6,000 on purchases within the first 6 months.
However, this card charges $695 for its annual fee and a variable APR of 20.99% to 28.99% for the Pay Over Time Feature.
Aside from that, you can earn 5X points on Flights. Hence, it is for flights booked with airlines or via American Express Travel.
Also, you can earn 5X points on Prepaid Hotels booked on AmexTravel.com and 1 point on Other Purchases.
That’s not all, you can also enjoy other benefits like;
- $200 Hotel Credit
- $240 Digital Entertainment Credit
- $155 Walmart+ Credit
- American Express Global Lounge Collection
- $200 Uber Cash
- $200 Airline Fee Credit
- $300 with Equinox
- $100 Shop Saks with Platinum
- $189 with CLEAR Plus
- Global Dining Access by Resy, etc.
Thus, for more info, visit https://www.americanexpress.com/us/credit-cards/card/platinum.
Venture X Rewards Credit Card by Capital One
Do you want to earn a bonus while traveling? You need this Credit Card.
The Capital One Venture X Rewards Credit Card allows you to enjoy travel rewards easily.
Hence, you can earn 75,000 Miles after spending $4,000 on purchases within the first 3 months.
Also, you can earn 10,000 Miles (equal to $100 towards travel) as Anniversary Bonus. As well as up to $300 cashback in statement credits for bookings via Capital One Travel. And also up to a $100 credit for Global Entry along with TSA PreCheck.
Thus, you can also earn 10X miles on hotels and rental cars booked via Capital One Travel. As well as 5X miles on flights booked via Capital One Travel and also 2X miles on all other daily purchases.
However, this card has an annual fee of $395 and charges a variable APR of 21.99 to 28.99% on purchases.
Hence, you can enjoy other exciting benefits like; Free extra Cardholders. As well as $0 Foreign Transaction Fees, Cell Phone Protection, and Miles Redemption. And also Referrals Bonus
Also, note that miles don’t expire and there are no blackout dates.
For more info, visit https://www.capitalone.com/credit-cards/venture-x.
Chase Sapphire Reserve Credit Card
This is another great travel credit card option from Chase. it comes with an intro bonus of 60,000 bonus points. Thus, to earn this bonus, card members must spend up to $4,000 on purchases within the first 3 months.
Also, cardholders can get $1,200 in extra partnership benefit value and up to $300 Annual Travel Credit.
However, this card charges a $550 annual fee and $75 for each extra user.
Thus, it offers a variable APR of 22.24% to 29.24% and also bonuses like;
- 5x points on flights purchased via Chase Ultimate Rewards. Hence, you can get this bonus after spending the first $300 on travel purchases yearly.
- 10x points on hotels and car rentals when you purchased through Chase. Thus, this is after spending the first $300 on travel purchases yearly.
- 3x points on dining at restaurants. As well as approved delivery services, takeout, and dining out.
- 3x points on other travel globally. Hence, that’s after spending the first $300 on travel purchases yearly.
- 10x points on Chase Dining orders with Ultimate Rewards.
Hence, card members also have access to perks like;
- Complimentary Airport Lounge Access
- Global Entry along with TSA PreCheck or NEXUS Fee Credit
- $0 foreign transaction fees
- Premium travel benefits.
- Travel and purchase coverage.
- Pay overtime, etc.
For more info, visit https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
American Express Gold Card
The American Express Gold Card is another great travel credit card option from Amex.
It allows you to customize your card design. And also earn 4X at any restaurant globally alongside takeout and delivery across the U.S.
Also, you can earn 4X points on Groceries at U.S. supermarkets when you spend up to $25,000 on purchases yearly.
That’s not all you can also earn 3X points on Flights booked with airlines or via American Express Travel. As well as 1 point on other approved Purchases.
However, this card charges an annual fee of $250. And also offers a variable APR of 20.99% to 28.99% for the Pay Over Time Feature
Having said that, you can also enjoy other benefits like;
- $120 Dining Credit
- $120 Uber Cash
- The Hotel Collection
- $0 Foreign Transaction Fees
- American Express Preferred Access, etc.
Thus, for more info, visit https://www.americanexpress.com/us/credit-cards/card/gold-card.
Best business credit cards for July 2023
Ink Business Unlimited Credit Card
As a business owner, it is wise to get a card that helps you to spend less on business-related purchases.
Hence, the Ink Business Unlimited Credit Card is what you need as a business owner.
The Ink Business Unlimited Credit Card offers an intro bonus of $750 bonus cash back.
Hence, cardholders must spend up to $6,000 on purchases within the first 3 months to get this offer.
Also, you can earn 1.5% cash back rewards on every purchase made using your credit card.
That’s not all, this card comes with a $0 annual fee and %0 intro APR on purchases for a year.
Aside from that, you can enjoy juicy benefits like; zero charges on employee cards and 5% cash back on Lyft rides. As well as Travel and purchase coverage.
Thus, visit https://creditcards.chase.com/business-credit-cards/ink/unlimited for more info.
United Business Credit Card
This is another great business credit card option from Chase. It offers 50,000 bonus miles when you spend $5,000 on purchases in the first 3 months.
Also, you can earn 5,000 bonus miles on your card every card anniversary.
That’s not all, you can also earn 2x miles on United purchases, at gas stations, and on dining. As well as 2x miles at office supply stores, on local transit, and 1x mile on all other purchases.
However, the United Business Credit Card has a $0 annual fee and comes with great perks like:
- United Club access
- Free first-checked bag
- Priority boarding
- $100 United travel credit
- 25% back on United Inflight and Club premium drink purchases
- $0 foreign transaction fees
- Mileage Plus program benefits
- Travel and purchase coverage
- Luxury Hotel and Resort Collection
- One-year complimentary Dash Pass, etc.
To know more about this card visit, https://www.theexplorercard.com/business-rewards-cards/business-card.
Ink Business Cash Credit Card
The Ink Business Cash Credit Card is a great business credit card option for business owners.
It offers an intro bonus of $750 bonus cash back after spending $6,000 on purchases within the first 3 months.
Also, you can earn 5% cash back in approved business categories. That’s not all, it also comes with a $0 annual fee and offers a %0 intro APR for a year.
Aside from that, you get to earn 5% cash back on your first $25,000 spent in joint orders at office supply stores. As well as on internet, cable, and phone services each anniversary year.
That’s not all, you can also earn 2% cash back on the first $25,000 spent on combined purchases. This includes purchases at gas stations and restaurants each anniversary year.
Lastly, you can earn 1% cash back on all other purchases. As well as access to exciting benefits like; zero charges on employee cards and 5% cash back on Lyft rides. As well as Travel and purchase coverage.
Visit https://creditcards.chase.com/business-credit-cards/ink/cash for more info.
American Express Blue Business Cash Card
This is a great business credit card option from Amex. It has no annual fee and offers 0% intro APR on purchases for 12 months.
Hence, cardholders can earn 2% cash back on daily approved business purchases of up to $50k per year.
Also, you can earn 1% cash back on approved purchases after spending the first $50k using your card.
That’s not all, you get to also have access to amazing perks like;
- Car Rental Loss and Damage Insurance
- Global Assist Hotline
- Employee Cards
- Ability to connect to QuickBooks
- Online Statements
- Account Manager
- Account Alerts
- Yearly Summary
- Vendor Pay by Bill.com
- American Express App
- Extended Warranty
- Purchase Protection
- Dispute Resolution
For more info, visit https://www.americanexpress.com/en-us/business/credit-cards/blue-business-cash.
Ink Business Preferred Credit Card
This is another business credit card option for business owners. It is also an ideal business credit card for business owners who travels more often.
It also offers an intro bonus of 100,000 bonus points after spending $8,000 on purchases within the first 3 months.
Also, you can earn 3X points on shipping and other approved business categories.
As well as 1 Point on each dollar spent on other purchases
That’s not all, it also comes with a $95 annual fee and offers a variable APR of 20.99%–25.99%.
Aside from that, you can get great benefits like; zero charges on employee cards and 5% cash back on Lyft rides.
Also, you get to enjoy $0 foreign transaction fees. As well as 1:1 point transfer, Travel, and purchase coverage.
Thus, for more info, visit https://creditcards.chase.com/business-credit-cards/ink/business-preferred.
Summary
To sum it up, we hope this article is a perfect guide on the best Credit Cards Rights Now for July 2023.
Hence, if you have any questions about any of these cards, please leave a comment below.
Thank you for reading!
