Welcome to July’s Points Parade New month, new bonuses, new reasons to let your wallet earn its keep. July’s best UK credit card offers are in, and some of them are seriously upgraded. Whether you’re hunting Avios, hotel points, cashback, or just the smug joy of lounge access, we’ve got the best deals on the runway.
We’re tracking every boosted bonus, limited-time offer, and card that’s actually worth applying for right now. If you’re not getting rewarded when you spend, you’re doing it wrong.
In This Post
Hilton Honors Debit Card
- Sign-up Offer: Annual fee now £30, down from £60
- Deadline: Offer ends 14 August 2025
- Perks: Earn Hilton Honors points on your everyday debit spending (yep, no credit check); comes with built-in travel perks and cashback potential
- Worth it?: If you stay at Hilton properties even occasionally, this is an easy win, especially now at half-price
- Apply here: Get the full breakdown and apply smart.
Related reads for clever spenders:
- Which Hilton debit card should you get?
- Full Hilton Honors Debit Card Review
- Ultimate Hilton Honors Earning Guide
Hilton Honors Plus Debit Card
- Sign-up Bonus: 30,000 Hilton Points, up from 10,000
- Annual Fee: £150
- Deadline: Offer ends 14 August 2025
- Perks: Massive bonus, Hilton points on spend, lounge access, travel extras, and no credit checks, plus an actual debit card with VIP energy.
- Worth it?: 100%. This is hands-down one of the most rewarding debit cards in the UK right now, and yes, we said debit.
- Apply here: Read our review and grab the 30k before it’s gone.
Dive deeper:
Marriott Bonvoy American Express Credit Card
- Sign-up Bonus: 60,000 Bonvoy Points, up from 20,000
- Spend Requirement: £3,000 in 3 months
- Annual Fee: £95
- Perks: 15 elite nights, Silver status, Free Night Award at £15k spend
- Worth it?: Great value for loyal Marriott guests or anyone Avios-curious (you can convert Bonvoy to Avios)
- Apply here: Bag the boosted 60k bonus while it’s around.
American Express Cashback Credit Card
- Sign-up Bonus: 5% cashback (up to £125) first year free
- Spend Requirement: No minimum spend, but cashback capped at £125 in the first 3 months
- Annual Fee: Free in Year 1, then £25/year
- Perks: Up to 1.25% cashback ongoing, boosted welcome rate, Amex Offers
- Worth it?: A great all-rounder if you don’t care about points or lounges and just want cash back in your wallet.
- Apply here: First year free and 5% cashback? Easy money
American Express Cashback Everyday Credit Card
- Sign-up Bonus: 5% cashback (up to £125 – up from £100) + £10 bonus cashback
- Spend Requirement: No minimum spend, 5% capped at £125 in first 5 months
- Annual Fee: £0
- Perks: Earn up to 1% cashback ongoing, £10 extra bonus if eligible, Amex Offers
- Worth it?: A true no-fee winner perfect for your first Amex or if you prefer cashback over chasing points.
- Apply here: Get 5% back and a £10 bonus. Yes, really
British Airways American Express Credit Card (Free)
- Sign-up Bonus: 15,000 Avios up from 5,000 (only via BA’s website)
- Spend Requirement: £1,000 in 3 months
- Annual Fee: £0
- Perks: 1 Avios per £1, plus a 2-4-1 Companion Voucher after £15,000 card spend/year
- Worth it?: A free and easy starter card for building Avios even better with the temporary bonus boost
- Apply here: Snag the boosted 15k via BA’s site. Don’t settle for 5k
British Airways American Express Premium Plus Card
- Sign-up Bonus: 50,000 Avios up from 25,000 (only via BA’s website)
- Spend Requirement: £3,000 in 3 months
- Annual Fee: £300
- Perks: 1.5 Avios per £1 spent, plus a 2-4-1 Companion Voucher applicable for any cabin class after £15,000 spend/year
- Worth it?: Ideal for boarding business or first class without paying full fare, this boosted bonus makes it especially compelling
- Apply here: Step into luxury 50k only via BA’s site; trust us.
British Airways Accelerating Business Card (Amex)
- Sign-up Bonus: 45,000 Avios up from 20,000 (only via BA’s website)
- Spend Requirement: £5,000 in 3 months
- Annual Fee: £250
- Perks: 1.5 Avios per £1 on all spend, 2 Avios per £1 with BA, plus extra On Business points on top
- Worth it?: A powerhouse for small businesses and freelancers double-dipping with Avios and On Business makes this a winner
- Apply here: How’s 45k for your business? Just do it via BA’s site.
That’s a Wrap for July’s Wallet Watch
You’ve seen the bonuses. You’ve read the small print. Now, go grab the cards while the Best UK credit card offers are hot because next month, they might vanish faster than an upgrade on BA. We’ll be back in August with another full sweep of the best UK credit card offers.
Until then, apply smart, earn sharp, and don’t forget to follow us on X and Instagram for bonus alerts, hot takes, and point-fuelled chaos.
