Hey, it's Brad, host of the ChooseFI podcast: Here are my Top 10 recommended travel rewards credit cards for July 2026.
I'm keeping this list constantly updated, so be sure to check back each time you're getting set to open a new rewards card to find our latest advice.
If you're new to earning travel rewards points for nearly free travel, start with our Getting Started with Travel Rewards guide, then check out Part 1 of our Ultimate Guide to Travel Rewards or our podcasts on travel rewards (at the bottom of that linked page with all our travel resources).
Chase Sapphire Preferred® Card
Brad & Jonathan independently rate each card based on rewards value, fees, and overall fit for the FI community. Ratings are not influenced by advertiser compensation.
Earn 100,000 bonus points
after you spend $5,000 on purchases in the first 3 months from account opening.
Annual Fee: $95
The card that launched a thousand travel rewards journeys — including ours.
Chase Sapphire Reserve®
Brad & Jonathan independently rate each card based on rewards value, fees, and overall fit for the FI community. Ratings are not influenced by advertiser compensation.
Earn 100,000 bonus points
after you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee: $795
The premium card we reach for when travel is more than a hobby.
Capital One Venture X Rewards Credit Card
Brad & Jonathan independently rate each card based on rewards value, fees, and overall fit for the FI community. Ratings are not influenced by advertiser compensation.
Earn 75,000 Miles
when you spend $4,000 on purchases in the first 3 months from account opening
Annual Fee: $395
Premium travel without the premium bloat.
Capital One Venture Rewards Credit Card
Brad & Jonathan independently rate each card based on rewards value, fees, and overall fit for the FI community. Ratings are not influenced by advertiser compensation.
Earn 75,000 Miles
once you spend $4,000 on purchases within 3 months from account opening
Annual Fee: $95
A refreshingly simple travel card.
Ink Business Preferred® Credit Card
Brad & Jonathan independently rate each card based on rewards value, fees, and overall fit for the FI community. Ratings are not influenced by advertiser compensation.
Earn 100,000 bonus points
after you spend $8,000 on purchases in the first 3 months from account opening.
Annual Fee: $95
If you run a side hustle or small business, this is a no-brainer.
Ink Business Cash® Credit Card
Brad & Jonathan independently rate each card based on rewards value, fees, and overall fit for the FI community. Ratings are not influenced by advertiser compensation.
Earn $750 $1,000
when you spend $8,000 on purchases in the first four months after account opening
Annual Fee: $0
A gem for any business with spend on office supplies, internet, or phone.
Ink Business Unlimited® Credit Card
Brad & Jonathan independently rate each card based on rewards value, fees, and overall fit for the FI community. Ratings are not influenced by advertiser compensation.
Earn $750 $1,000 bonus cash back
after you spend $8,000 on purchases in the first 4 months from account opening.
Annual Fee: $0
The quiet workhorse of the Chase business lineup.
Southwest® Rapid Rewards® Premier Business Credit Card
Brad & Jonathan independently rate each card based on rewards value, fees, and overall fit for the FI community. Ratings are not influenced by advertiser compensation.
Earn 60,000 points
after you spend $3,000 on purchases in the first 3 months your account is open.
Annual Fee: $149
A targeted card for businesses loyal to Southwest.
British Airways Visa Signature® Card
Brad & Jonathan independently rate each card based on rewards value, fees, and overall fit for the FI community. Ratings are not influenced by advertiser compensation.
Earn 75,000 Avios
after you spend $5,000 on purchases within the first three months of account opening.
Annual Fee: $95
A specialist card with a loyal following.
Choose FI has partnered with CardRatings for our coverage of credit card products. Choose FI and CardRatings may earn compensation from card issuers when a customer clicks on a link, when an application is approved, or when an account is opened. 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 ChooseFI advertiser.