9 cards currently offering sign-up bonuses of 100,000 points or more
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Editor’s note: This is a recurring post, regularly updated with new card offers and information.
Credit card welcome offers and sign-up 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||Free employee cards; cell phone insurance; and travel protections.|
|Southwest Rapid Rewards® Performance Business Credit Card||$199||Up to 100,000 bonus points — 70,000 after you spend $5,000 in the first three months, and an additional 30,000 after you spend $25,000 in the first six months of account opening.||Up to $1,500||Four upgraded boardings per year; 9,000 bonus points each account anniversary; up to $100 every four years in TSA PreCheck/Global Entry application fee credits; 365 Wi-Fi credits each year.|
|United Club Infinite Card||$525||100,000 miles after you spend $5,000 in the first three months of account opening.||$1,300||United Club Membership; free first and second checked bag; Premier upgrades on award tickets; 25% back on United inflight purchases; up to $100 every four years in TSA PreCheck/Global Entry application fee credits.|
|Hilton Honors Aspire Card from American Express||$450 (see rates & 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.|
|Marriott Bonvoy Boundless Credit Card||$95||100,000 bonus points after you spend $3,000 on purchases in the first three months from account opening.||$800||Automatic silver status; 15 elite night credits each calendar year; free night award each account anniversary.|
|Hilton Honors American Express Surpass® Card||$95 (see rates & 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; Hilton Honors Diamond status after spending $40,000 in a year; terms apply.|
|The Hilton Honors American Express Business Card||$95 (see rates & fees)||130,000 points after you spend $3,000 in purchases in the first three months of account opening; terms apply||$780||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||125,000 points after you spend $3,000 in the first three months of account opening.||$625||Automatic Platinum elite status; Fourth award night benefit; 20% discount on buying IHG points.|
|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.
If you’re looking for the largest bonus on any of Chase’s credit cards, you won’t find it on the ultra-premium Chase Sapphire Reserve, but rather on the Ink Business Preferred. 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 excellent collection of airline and hotel transfer partners.
Of course, you can also redeem through the Chase Travel portal for 1.25 cents each, which gives you a minimum bonus value of $1,250. 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). And through Oct. 31, 2020, you’ll actually earn 5x on shipping and advertising purchases made on social media and search engines on up to $10,000 spent in combined purchases as part of limited-time benefits offered by Chase. 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).
Read our full review of the Ink Business Preferred Credit Card
If you’re a business owner who (under normal circumstances) travels frequently domestically, the Southwest Performance Business Card might be a great choice for you. You can currently earn up to 100,000 bonus points with this card’s sign-up bonus — 70,000 points after you spend $5,000 in the first three months, plus an additional 30,000 after you spend $25,000 in the first six months. If you hit the full potential bonus in your first six months, that’s $1,500 in value according to TPG valuations. For only $199 in annual fees? That’s quite the lucrative sign-up bonus.
The best part? This card’s bonus is one way to earn Southwest’s coveted Companion Pass before you ever step foot on a flight. To earn the Companion Pass, you typically have to fly at least 100 qualifying one-way trips or earn 125,000 qualifying points in a calendar year. Since points earned from Southwest credit cards count toward those points, this bonus could help you hit that requirement outright:
- Sign-up bonus: 100,000 points (70,000 + 30,000)
- Normal earning: at least 25,000 points ($25,000 x at least 1 point per dollar spent)
- Total earnings: 125,000 points
As far as spending goes, you’ll earn 3x on Southwest purchases (including Southwest hotel and car partners), 2x on social media and paid search advertising, internet, cable and phone service and the standard 1x point on everything else. However, through Oct. 31, 2020, you’ll actually earn 5x on shipping and advertising purchases made on social media and search engines on up to $10,000 spent in combined purchases.
Of course, the card also comes with a number of solid benefits for frequent Southwest flyers, including four upgraded boardings per year, 9,000 bonus points each cardholder anniversary, 365 inflight Wi-Fi credits per year, up to $100 in Global Entry/TSA PreCheck application fee credits every four years and free employee cards. Plus earn 1,500 Tier-Qualifying Points per $10,000 you spend on the card (up to 15,000 TQPs each year) to help you hit elite status faster.
Keep in mind, though, that Chase is currently restricting applications for its business cards (including the Southwest Performance) — you’ll have to sign into an eligible existing Chase account to be able to get this card.
Read our full review of the Southwest Performance Business Card.
Another Chase cobranded credit card currently offering a 100k+ sign-up bonus is the United Club Infinite Card. This new card launched earlier in 2020 to replace the United Club Card, offering many of the same benefits as the legacy top-tier United credit card. Off the bat, you can currently earn 100,000 miles after you spend $5,000 in the first three months. TPG values United Miles at 1.3 cents each, which makes this bonus worth an impressive $1,300.
While the card does charge a steep $525 annual fee, you do get some solid perks: United Club membership, Premier upgrades when available, up to $100 in Global Entry/TSA PreCheck application fee credits ever four years, two free checked bags, Premier Access (priority access for check-in, security screening where available, boarding and baggage handling), 25% back on United inflight purchases, expanded award availability, travel and shopping protections and rental car privileges.
You’ll earn 4x on United purchases, 2x on all other travel and dining and 1x on everything else. You could also be targeted for up to 7x on groceries and gas as part of a temporary promotion from Chase that runs through Sept. 30, 2020.
United has made some solid strides of late, including the recent news that the airline is slashing most change fees and adding free standby, which might entice many flyers to switch loyalty to the airline. If you are among those converts (or someone who’s long been a United loyalist), this card could make an excellent addition to your wallet while it’s offering this elevated bonus.
Read our full review of the United Club Infinite Card.
APPLY HERE: United Club Infinite Card
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 offers of more than 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 an up to $100 property credit on eligible stays of two nights or more at Conrad and Waldorf Astoria hotels. When you add up all these benefits, the Aspire becomes one of the most compelling premium credit cards on the market. So much so, that if you’re starting from scratch this credit card alone might be reason enough to stay loyal to Hilton.
Read our full review of the Hilton Honors Aspire Card.
APPLY HERE: Hilton Honors Aspire Card From American Express
Marriott’s mid-tier credit card issued by Chase is currently offering 100,000 bonus points after you spend $3,000 in the first three months — a $800 value according to TPG valuations. With only a $95 annual fee, this mid-tier hotel credit card is a great choice for casual travelers or those who split loyalty between Marriott and another hotel brand.
You’ll earn 6x on Marriott and 2x on all other purchases. But through Sept. 15, 2020, you can register to earn 10x on gas and dining as part of temporary COVID-19 benefits from Chase. In terms of benefits, the Marriott Bonvoy Boundless still holds its own against the competition. You’ll get automatic Silver elite status, an anniversary free night credit (worth up to 35,000 points), 15 elite night credits annually and more.
Read our full review of the Marriott Bonvoy Boundless Credit Card.
APPLY HERE: Marriott Bonvoy Boundless Credit Card
If the Hilton Aspire’s $450 annual fee (see rates and fees) 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 American Express Business Card (see rates and fees), both of which have significantly lower $95 annual fees.
The Hilton Surpass is offering a welcome offer 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 a 130,000-point welcome offer 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.
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?
Right now, the IHG Premier is offering a sign-up bonus of 125,000 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 $625. 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. You may also be targeted for additional bonus earnings on groceries and gas through the end of September 2020. 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.
Read our full IHG Premier Card review.
APPLY HERE: IHG Rewards Club Premier Credit 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 Airlines and Alaska Airlines own programs.
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.
Read our full review for the British Airways Visa Signature Card.
APPLY HERE: British Airways Visa Signature Card
Bonus: CardMatch Tool
If you’re lucky, you might find yourself targeted for an up 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 of account opening. However, we’ve seen targeted offers such as 100,000 points after meeting the same minimum spend requirement through CardMatch, so it’s definitely worth looking at what card offers are available to you through the tool. The American Express® Gold Card currently has a 60,000 and a 75,000-point welcome bonus through CardMatch, although both are targeted offers subject to change at any time.
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.
Featured image by mixetto/Getty Images.
Welcome to The Points Guy!
WELCOME OFFER: 80,000 Points
TPG'S BONUS VALUATION*: $1,600
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.
- Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
- 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 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, 80,000 points are worth $1,000 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.