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These are some of the best rewards Credit Cards available
Whether you’re new to the world of travel rewards or simply looking to top up one of your balances, credit card welcome bonuses are the fastest way to get you there. There’s nothing quite like the thrill of seeing a massive bonus post to your account and realizing how much of the world you’ll get to explore with it.
If you’ve been thinking about adding a new card to your wallet, now is the perfect time. We’re currently seeing 100,000-point bonuses — and in some cases even more — on some of the best cards on the market. But don’t be fooled — not every 100,000-point offer is worth the same amount. Here’s a rundown of the currently available 100,000-point and higher offers, and which ones should top your list.
|Card||Annual Fee||Bonus (value based on TPG’s valuations)||Notable Perks|
|Marriott Bonvoy Brilliant™ American Express® Card||$450 (See Rates & Fees)||100,000 points
|Up to $300 in statement credits each account year for eligible purchases at Marriott or SPG hotels. Complimentary Gold elite status. One free night award each account anniversary year for properties that cost up to 50,000 points. Terms apply.|
|Marriott Bonvoy Business™ American Express® Card||$95, waived the first year (See Rates & Fees)||100,000 points
|One free night award each account anniversary year for properties that cost up to 35,000 points. Complimentary Silver elite status. Terms apply.|
|Hilton Honors Aspire Card from American Express||$450 (See Rates & Fees)||Up to 150,000 points
|$250 airline credit, $250 Hilton resort credit, $100 property credit on eligible stays of 2 or more nights at Waldorf Astoria and Conrad hotels. Terms apply.|
|Hilton Honors American Express Ascend Card||$95 (See Rates & Fees)||125,000 points
|One free weekend night after spending $15,000 in a year, Diamond status after spending $40,000 in a year. Terms apply.|
|Hilton Honors American Express Business Card||$95 (See Rates & Fees)||125,000 points
|One free weekend night after spending $15,000 in a year, second free weekend night after spending $60,000 in a year, Diamond status after spending $40,000 in a year. Terms apply.|
Formerly the SPG Luxury Amex, this card now has Marriott Bonvoy branding and is offering an elevated 100,000-point welcome bonus after you spend $5,000 in the first three months.
There’s a $450 annual fee, but the card offers up to $300 in statement credits for Marriott purchases — including room rates — each account anniversary, which effectively lowers the fee to just $150. As a cardholder, you also get complimentary Gold elite status, and each year after your account anniversary you’ll get a free award night that you can use at Marriott hotels that cost up to 50,000 points per night. You’ll earn 6x points on eligible Marriott purchases, 4x points at US restaurants, at US gas stations, on wireless telephone services purchased directly from US service providers and on US purchases for shipping, and 2x points on everything else.
This is a solid option if you’re a Marriott loyalist or simply want to enjoy some extra perks during your stays with the brand. If you’re interested, make sure to apply Apr. 24, when the 100,000-point offer will end.
Like the Marriott Bonvoy Brilliant Amex, this business card is offering a 100,000-point welcome bonus after you spend $5,000 in the first three months, now until Apr. 24.
This card has a lower annual fee of $95 and it’s waived the first year, but starting on Mar. 28, the annual fee will increase to $125. However, if you apply before that date, you’ll get the annual fee waived the first year, then pay $95 the second year and ultimately pay $125 starting the following year. Also starting on Mar. 28, the card’s adding the ability to earn a second free award night; you currently earn one automatically after your account anniversary year, but you’ll now be able to earn another one after spending $60,000 on the card in a calendar year. Both of these award nights are good for Marriott properties that cost up to 35,000 points per night.
Other benefits include complimentary Silver elite status and bonus earning categories including 6x points on eligible Marriott purchases.
While Hilton points are the least valuable currency on this list at only 0.6 cents apiece, there are currently three Hilton cards all offering welcome bonuses above and beyond 100,000 points. The Hilton Honors Aspire Card from American Express has the highest bonus of the three — you’ll earn 150,000 Hilton Honors points after spending $4,000 in 3 months.
The Aspire is a value-packed premium card with a hefty $450 annual fee to match. But in exchange for that fee, you’ll automatically receive top-tier Hilton Diamond status, one free weekend night when you open your card and another every year when you renew. Cardmembers get a full Priority Pass membership with guesting privileges and a number of statement credits to offset the high fee: a $250 annual airline credit, a $250 Hilton resort credit at participating hotels, and a $100 property credit on eligible stays of two nights or more at Conrad and Waldorf Astoria hotels.
If a $450 annual fee sounds a little too rich for you, you can consider one of Hilton’s two mid-tier credit cards instead, both of which have significantly lower $95 annual fees. The Hilton Honors Ascend Card from American Express and the Hilton Honors Business Card from American Express are each offering 125,000-point welcome bonuses, and since they’re different credit card products, you’re able to get both if you want. For the Ascend card, you’ll need to spend $2,000 in three months to earn the bonus, while the Business card requires $3,000 in spend in the first three months.
When it comes to features, these two cards are very similar. Both will get you complimentary Hilton Gold status and the ability to upgrade to Diamond by spending $40,000 in a year, plus a free weekend night certificate good at practically any Hilton property for spending $15,000 in a year, and 10 free Priority Pass visits annually. The Business card has one extra feature that can be useful for high spenders — the ability to earn a second free weekend night with $60,000 in total spend on the card in a calendar year.
If you’re having trouble deciding between one of the mid-tier Hilton cards and the premium Aspire card, make sure to check out our guide comparing “Hilton Ascend vs. Hilton Aspire: Which Card Is Right for You?”
Bonus: Chase Sapphire Banking + Chase Sapphire Preferred or Reserve
A final option worth considering involves stacking two sign-up bonuses. If you qualify, you could earn 60,000 Ultimate Rewards points by signing up for a Chase Sapphire Banking account. One of the eligibility requirements for this checking account is holding a Chase Sapphire card, so if you don’t have either the Chase Sapphire Preferred Card or the Chase Sapphire Reserve, you could sign up for one of those cards and earn 50,000 points by spending $4,000 in the first three months. With both bonuses, you’d be looking at 110,000 points — and that’s before factoring in the additional points you’d earn for meeting the minimum spend requirement on the Sapphire Preferred or Sapphire Reserve. Based on our valuations, 110,000 points are worth $2,200.
These cards offering 100,000-point bonuses (and more) could definitely be worth considering if you’re looking to boost your rewards balance in a specific airline or hotel loyalty program.
And if none of the cards above tickle your fancy, you can see if any additional 100,000-point offers are available to you via the CardMatch tool (which are subject to change at anytime). We’ve seen targeted offers such as 100,000 points for the personal Platinum Card® from American Express, through CardMatch, so it’s definitely worth looking at what card offers are available to you through the tool.
Featured image of the Hilton Conrad Maldives courtesy of the hotel.
For rates and fees of the Marriott Bonvoy Brilliant, please click here.
For rates and fees of the Marriott Bonvoy Business, please click here.
For rates and fees of the Hilton Ascend Card, please click here.
For rates and fees of the Hilton Aspire Card, please click here.
For rates and fees of the Hilton Business Card, please click here.
This is The Points Guy’s permanent page for credit cards currently featuring 100,000-point bonuses, so you can bookmark it and check back regularly for updates. Keep in mind you may see some reader comments referring to older offers below.
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Limited Time Offer! Earn 100,000 points with this card after spending $5,000 within the first 3 months. TPG values 100K Bonvoy points to be worth around $900. Aside from the huge welcome offer you'll earn up to $300 in statement credits each year and 1 free night every year after cardmember anniversary.
- Limited time offer: Earn 100,000 bonus Marriott Bonvoy points after you use your new Card to make $5,000 in purchases within the first 3 months. Offer ends 4/24/2019.
- Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at participating Marriott Bonvoy hotels.
- Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at participating Marriott Bonvoy hotels. 3 points at U.S. restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
- Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
- No Foreign Transaction Fees.
- $450 annual fee.
- Terms Apply.
- See Rates & Fees