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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
Capital One Spark Miles for Business $95 (waived the first year) Up to 200,000 points

Up to $2,800

Aer Lingus Visa Signature Card $95 Up to 100,000 points


Companion Ticket after spending $30,000 in a year (economy only)
British Airways Visa Signature Card $95 Up to 100,000 points


Travel Together Ticket after spending $30,000 in a year
Hilton Honors Aspire Card from American Express $450 150,000 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 $95 125,000 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 $95 125,000 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.

Capital One Spark Miles for Business

This business card is offering a staggering 200,000 miles with its current sign-up bonus — but you’ll need to do some serious spending to earn that full amount. You’ll earn 50,000 miles when you spend $5,000 in the first 3 months, and another 150,000 miles after you spend $50,000 in the first 6 months.

Clearly, this offer is tailored to established businesses with significant expenses that can easily meet that $50,000 spending requirement. But if your company’s able to meet both tiers of spending requirements, you’ll walk away with a stellar 300,000 miles, factoring in the additional 100,000 miles you’ll earn by spending $50,000, since the Spark Miles card earns 2x on all purchases.

Capital One just announced that it will be adding airline transfer partners for the Spark Miles and other miles-earning cards, so we’ve raised our valuation of this loyalty currency from a flat 1 cent per mile to 1.4 cents per mile. That means the 200,000-mile bonus would be worth up to $2,800.

British Airways Visa Signature Card

The British Airways Visa Signature Card has returned with its tiered 100,000-point bonus. You’ll earn the entire bonus in three parts…

  • Earn 50,000 Avios after spending $3,000 in the first 3 months
  • Earn an additional 25,000 Avios after spending a total of $10,000 in the first 12 months
  • Earn another 25,000 Avios after spending a total of $20,000 in the first 12 months

The last two tiers of this bonus count all your purchases for the year, so after spending $3,000 in the first 3 months, you only need another $7,000 to unlock the second tier. When you factor in the spending you have to do to earn the bonus, you’ll walk away with a grand total of 120,000 Avios, which is enough to take some pretty impressive trips.

Co-branded airline credit cards usually don’t come with that many bells and whistles, but the British Airways Visa has one impressive perk worth trying to take advantage of: the Travel Together Ticket. You’ll earn this pass after spending $30,000 in a calendar year, and unlike other companion fares, this one is valid on award tickets instead of cash bookings. Just pay taxes and fees — which to be fair, can be quite high on British Airways — and your friend can travel in the same cabin as you (pending availability).

Aer Lingus Visa Signature Card

The Avios program is unique in that multiple airlines — British Airways, Iberia and Aer Lingus — all participate in some form of it. Even better, you can combine Avios between these different programs depending on which airline you want to book with. So if 120,000 Avios isn’t enough for the trip you’re planning, you can also sign up for the new Aer Lingus Visa Signature Card, which is offering the exact same tiered 100,000-point sign-up bonus. The new Iberia Visa Signature Card is also offering a similar bonus of up to 75,000 Avios if you complete the first two spending tiers ($3,000 in the first 3 months and $10,000 total in the first 12 months). Just note that you shouldn’t necessarily apply for the British Airways Visa, Aer Lingus card and Iberia card all together in short order, as you could be shut down by Chase for that sort of activity.

Because of the incredible value that can be found in the British Airways distance based award chart, TPG values Avios at 1.5 cents each, making this 100,000-point bonus worth a nice $1,500. Also, none of these cards appear to be subject to Chase’s 5/24 rule.

Hilton Honors Aspire Card From American Express

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.

Hilton Amex Ascend and Hilton Amex Business

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.

Bottom Line

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.

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.

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.