10 cards currently offering welcome bonuses of 100,000 points or more

Mar 20, 2020

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Update: Some offers mentioned below are no longer available. View the current offers here.

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

At TPG, our top priority is providing our readers with the information you need to make educated decisions about travel and your rewards-earnings strategy. This is not the best time to travel, domestically or internationally, as airlines have cut major parts of their route network. But we are sharing these card bonuses because they are great offers that could provide value to cardholders for future travel once coronavirus concerns have subsided.


Credit card welcome bonuses are the fastest way to top up your points and miles stash. 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 your travel rewards.

If you’ve been thinking about adding a new card to your wallet, there are plenty of card options that are offering welcome bonuses of 100,000 points — 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.

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Here’s a rundown of the current offers, including which ones should top your list and why:

Credit Card Annual fee welcome bonus Bonus Value* Notable Perks
Ink Business Preferred Credit Card  $95 100,000 bonus points after you spend $15,000 in the first three months of account opening. $2,000 Employee cards free; cell phone insurance; travel protections
Delta SkyMiles® Platinum American Express Card $250 (see rates and fees) Up to 100,000 miles — 80,000 when you spend $3,000 in the first three months of account opening and 20,000 after your first account anniversary; terms apply (offer ends 4/1/2020) $1,200 Earn 10k MQMs at $25,000 and $50,000 in calendar year spending (up to 20k per year); MQD waiver after spending $25,000 in a calendar year; TSA PreCheck or Global Entry fee credit (up to $100); priority boarding; first checked bag free; terms apply.
Delta SkyMiles® Reserve American Express Card $550 (see rates and fees) Up to 100,000 miles and 20,000 Medallion® Qualification Miles (MQMs) — 80,000 miles and 20,000 MQMs when you spend $5,000 in the first three months of account opening and 20,000 after your first account anniversary (offer ends 4/1/2020) $1,200 Delta Sky Club membership; Centurion Lounge access; earn 15k MQMs at $30k, $60k, $90k, $120k in calendar spend; annual companion pass; Complimentary upgrades for non-Medallions; terms apply.
Hilton Honors Aspire Card from American Express $450 (see rates and fees) 150,000 points after you spend $4,000 in the first three months of account opening; terms apply $900 Up to $250 airline credit; up to $250 Hilton resort credit; up to $100 property credit on eligible stays of two or more nights at Waldorf Astoria and Conrad hotels; terms apply.
Hilton Honors American Express Surpass® Card $95 (see rates and fees) 125,000 points after you spend $2,000 in the first three months of account opening; terms apply $750 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 and fees) 125,000 points after you spend $3,000 in purchases in the first three months of account opening; terms apply $750 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.
IHG® Rewards Club Premier Credit Card $89 140,000 points after you spend $3,000 in the first three months of account opening. $700 Automatic Platinum elite status; Fourth award night benefit; 20% discount on buying IHG points
United Business Card $95 100,000 miles after you spend $10,000 in the first three months of account opening. $1,300 Two one-time United Club passes; $100 United flight credit after making qualifying purchases; first checked bag free on United flights
British Airways Visa Signature Card $95 Up to 100,000 Avios — 50,000 after you spend $3,000 in the first three months and 50,000 after you spend $20,000 in the first year of account opening. Up to $1,500 10% off all British Airways flights and a Travel Together Ticket every calendar year you make $30,000 in purchases on your card

*Bonus value is an estimated value calculated by TPG and not the card issuer.

Ink Business Preferred Credit Card

(Photo by Wyatt Smith/The Points Guy)
(Photo by Wyatt Smith/The Points Guy)

Chase is currently offering new cardholders the ability to earn 100,000 bonus points after spending $15,000 in purchases in the first three months of account opening. TPG values Chase points at 2 cents each, which makes the bonus alone worth $2,000 when you take advantage of Chase’s transfer partners. Of course, you can also redeem through the Chase Travel portal for 1.25 cents each, which puts this bonus at $1,250 in value. This isn’t including the points you’ll rack up by hitting the spending requirement. Depending on what categories you spend in, you could earn anywhere from 15,000 to 45,000 additional points, which could give you $300 to $900 in additional value.

The current elevated bonus isn’t the only thing to love about this card. It’s a great all-around option for small business owners. You’ll earn 3x on travel, shipping purchases, internet, cable and phone services and advertising on social media sites and search engines (on the first $150,000 spent in combined bonus category spending each cardmember year; then 1x). The card also comes with cellphone protection, primary rental car coverage and other travel and purchase protections. Employee cards are also free.

The card does come with a $95 annual fee, but that is easily offset when you are taking advantage of this card’s earning structure (and incredible current sign-up bonus offer).

APPLY HERE: Ink Business Preferred Credit Card

 

Delta SkyMiles® Platinum American Express Card

(Photo by Wyatt Smith/The Points Guy)
(Photo by Wyatt Smith/The Points Guy)

The newly-revamped Delta credit cards all come with elevated welcome bonuses for a limited time. If you apply and are approved for the Platinum Delta Amex before April 1, 2020, you’ll get up to 100,000 miles — 80,000 after you spend $3,000 in the first three months and an additional 20,000 after your first card anniversary. This is an excellent bonus because the second tier doesn’t require additional spending and it also represents an all-time high for the card. If you hit the first $3,000 spending requirement and plan to keep the card for at least one year, you’ll get the full welcome bonus.

RELATED: The best credit cards for Delta flyers

The Delta SkyMiles Platinum Amex is best suited for Delta flyers who want a mid-tier card that can help them hit Medallion elite status, but the revamp also has boosted the return on spending with the card. You’ll earn 3x on eligible Delta purchases and hotel stays, 2x at restaurants and U.S. supermarkets and 1x on everything else. When you hit certain spending thresholds, you’ll also earn bonus Medallion® Qualification Miles (MQMs) — 10,000 MQMs when you spend $25,000 in a calendar year and another 10,000 MQMs when you spend $50,000 in a calendar year. If you do hit the $25,000 spending threshold in a calendar year, you will also earn a Medallion Qualification Dollar (MQD) waiver for up to Platinum Medallion status (Diamond Medallion requires $250,000 in calendar-year spending). The card also recently added a TSA PreCheck/Global Entry application fee credit (up to $100). Other benefits include a companion certificate each year upon account renewal, first checked bag free and priority boarding.

The card does charge a $250 annual fee (see rates and fees).

If you’re a small business owner, keep in mind that the business version, the Delta SkyMiles® Platinum Business American Express Card, is offering an identical limited-time welcome bonus and provides many of the same perks, though the bonus categories are better suited for business owners.

APPLY HERE: Delta SkyMiles Platinum American Express Card

Delta SkyMiles® Reserve American Express Card

(Photo by Wyatt Smith/The Points Guy)
(Photo by Wyatt Smith/The Points Guy)

The refreshed Delta SkyMiles Reserve Amex comes with a similar limited-time bonus as the Platinum, but with a higher spending requirement and the addition of MQMs. When you spend $5,000 in the first three months, you’ll earn 80,000 bonus miles and 20,000 MQMs. You’ll earn an additional 20,000 bonus miles after your first account anniversary.

This card is built for frequent travelers who are incredibly loyal to Delta. You’ll earn 3x miles on all eligible Delta purchases and there are four opportunities to earn bonus MQMs through spending. You’ll earn 15,000 MQMs after spending $30,000, $60,000, $90,000 and $120,000 in a calendar year. When you factor in the 20,000 MQMs from the limited-time welcome bonus and the MQD waiver you’ll earn after spending $25,000, new cardholders could earn Platinum Medallion status before ever stepping foot on a Delta flight.

The card has historically offered an individual Delta Sky Club membership, but you’ll now also enjoy two, one-time guest passes to the Sky Club plus Centurion Lounge access for cardholders. Other recently-added perks include a TSA PreCheck/Global Entry application fee credit and access to complimentary upgrades for non-Medallions. This is on top of existing benefits like an annual companion certificate, first checked bag free, priority boarding and more.

Of course, the card does come with a steep $550 annual fee (see rates and fees). But many Delta loyalists will still get enough value out of the card to easily outweigh the yearly cost.

For small business owners, the Delta SkyMiles® Reserve Business American Express Card is currently offering the same limited-time welcome bonus, but with differentiated benefits designed for business owners.

APPLY HERE: Delta SkyMiles Reserve American Express Card

Hilton Honors Aspire Card From American Express

Photo courtesy of American Express.
(Photo courtesy of American Express.)

Although Hilton points are the least valuable currency on this list, at only 0.6 cents apiece, there are currently three Hilton cards offering welcome bonuses above 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 on purchases in the first three months from account opening.

The Aspire is a value-packed premium card with a hefty $450 annual fee (see rates and fees) 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 up to two guests, plus a number of annual statement credits to offset the high fee. Those include up to $250 in airline fee credits, up to $250 in Hilton resort credits at participating hotels and a $100 property credit on eligible stays of two nights or more at Conrad and Waldorf Astoria hotels.

APPLY HERE: Hilton Honors Aspire Card From American Express

Hilton Amex Surpass and Hilton Amex Business

If the Hilton Aspire’s $450 annual fee sounds a little too rich for you, you can instead consider one of Hilton’s two mid-tier credit cards: the Hilton Honors American Express Surpass Card (see rates and fees) and the Hilton Honors Business Card from American Express (see rates and fees), both of which have significantly lower $95 annual fees. The Hilton Surpass is offering a welcome bonus of 125,000 bonus points after you use your new Card to make $2,000 in eligible purchases within the first three months of card membership. The Hilton Business Amex is offering 125,000-point welcome bonus after you spend $3,000 in eligible purchases on the card within the first three months of card membership. And since they’re different credit card products, you’re able to get both, if you want.

RELATED: Why to get a business credit card

When it comes to features, these two cards are similar. Both will get you complimentary Hilton Gold status and the ability to upgrade to Diamond by spending $40,000 in a year, 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 spending on the card in a calendar year.

If you’re having trouble deciding upon the mid-tier Hilton cards or the premium Aspire card, check out our guide comparing them: Hilton Surpass vs. Hilton Aspire: Which card is right for you?

APPLY HERE: Hilton Amex Surpass and Hilton Amex Business

United Business Card

(Photo by Eric Helgas for The Points Guy)
(Photo by Eric Helgas for The Points Guy)

Chase and United recently debuted a brand-new business card: the United Business Card. To celebrate the launch, new cardholders can earn a limited-time sign-up bonus of 100,000 miles after spending $10,000 on purchases in the first three months from account opening. TPG values United miles at 1.3 cents each, making this haul worth a cool $1,300.

Requiring $10,000 in spend within three months is steep compared to many of the other offers on this list. However, keep in mind that these are business credit cards. It’s not uncommon for a small business to spend at that threshold.

The United Business Card offers 2x on United purchases, gas stations, office supply stores, restaurants and local transit and commuting. You’ll also get a $100 annual United travel credit (which can be used to cover the cost of airline tickets, among other United purchases) after making seven United flight purchases of $100 or more on the card,  25% inflight savings, first checked bag free, priority boarding, two United Club one-time passes each year and travel and purchase protections. If you also have a personal United card, you’ll also get 5,000 miles each anniversary.

If you’re a more frequent United flyer looking for United Club access, the United Club Business Card is offering the same limited-time offer as the new United Business Card, plus some added perks when you travel with the carrier.

The information for the United Club Business and United Business has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

APPLY HERE: United Business Card

IHG Rewards Club Premier Credit Card

Right now, the IHG Premier is offering an all-time high welcome bonus of 140,000 points after you spend $3,000 on purchases in the first three months of account opening. Unfortunately, TPG only values IHG points at 0.5 cents each, meaning this bonus is worth $700. While it’s not as valuable as some of the others on this list, if you strategize, you could still get quite a few award nights out of it.

The card earns 10x on all IHG purchases, 2x at gas stations, grocery stores and restaurants and 1x on everything else. Because the IHG Premier comes with Platinum elite status, you’ll also get a 50% bonus on the base 10x you get as an IHG Rewards Club member. All in all, that is 25x on all IHG purchases — or a 12.5% return based on TPG’s valuations. The card also comes with a number of benefits, including an annual award night worth up to 40,000 points, a fourth-night reward and a 20% discount when you buy points. The annual fee is only $89.

APPLY HERE: IHG Rewards Club Premier Credit Card

British Airways Visa Signature Card

The British Airways Visa Signature Card offers U.S.-based travelers a lot more value than you’d expect from a foreign airline credit card. It’s currently offering a tiered sign-up bonus of up to 100,000 Avios — 50,000 Avios after you spend $3,000 on purchases in the first three months, plus another 50,000 Avios after you spend a total of $20,000 in the first year. That works out to $1,500 in value, based on TPG’s valuations, if you want to earn the full bonus. At $95 per year, its annual fee is also relatively reasonable.

On the earning side, the card offers 3 Avios per dollar spent on British Airways purchases and 2 Avios per dollar spent on hotels, which is pretty solid for a cobranded airline credit card. The card also added a new perk last year — a partial rebate on the carrier’s notoriously-high fuel surcharges — which could easily offset the annual fee by just using it once a year (you can use it up to three times). Other perks include a 10% discount on British Airways flights and a Travel Together Ticket every calendar year in which you make $30,000 in purchases on your card.

Generally speaking, the best use of British Airways Avios is for awards on Oneworld partner airlines. Thanks to the program’s distance-based award chart, you can book the following flights on American Airlines and Alaska Airlines:

  • Domestic U.S. economy awards of up to 650 miles for 7,500 Avios
  • Domestic U.S. economy awards of up to 1,151 miles for 9,000 Avios
  • Economy awards from West Coast cities to Hawaii for 13,000 Avios

That’s generally less than what you’d pay when booking those awards using American and Alaska’s own programs.

READ MORE: 11 times it’s better to book American award flights through British Airways

Note that award tickets outside the U.S. can be even cheaper, with one-way flights on British Airways, Iberia and Aer Lingus starting at just 4,000 Avios.

APPLY HERE: British Airways Visa Signature Card

Bonus: CardMatch Tool

If you’re lucky, you might find yourself targeted for a 100,000-point welcome bonus on another card in the CardMatch tool (targeted offer subject to change at any time). The site takes some simple personal information like your name, address and part of your social security number and then matches you with personalized credit card offers for which you might be eligible.

These offers can sometimes be higher — sometimes even much higher — than those available through other public channels. For example, the public offer for The Platinum Card® from American Express is 60,000 points after spending $5,000 on purchases in the first three months. However, we’ve seen targeted offers such as 100,000 points after meeting minimum spend requirements through CardMatch, so it’s definitely worth looking at what card offers are available to you through the tool (targeted offer subject to change at anytime).

Bottom line

The above offers are very enticing, but remember that each issuer has its own set of application rules. Make sure you’re always getting the top offer when you apply for a credit card, because you might only get one shot at the bonus on that card. But 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.

Additional reporting by Madison Blancaflor, Benji Stawski, Summer Hull and Benét J. Wilson.

Featured image of the Conrad Maldives courtesy of the hotel.

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

For rates and fees of the Hilton Surpass 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.

Chase Sapphire Preferred® Card

WELCOME OFFER: 60,000 Points

TPG'S BONUS VALUATION*: $1,200

CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners

*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.

Apply Now
More Things to Know
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.
Intro APR on Purchases
N/A
Regular APR
15.99%-22.99% Variable
Annual Fee
$95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent/Good

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.