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

Jul 2, 2020

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

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 Free employee cards; cell phone insurance; and travel protections.
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.
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) 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 $89 125,000 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.

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

In This Post

Ink Business Preferred Credit Card

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

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). 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

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 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.

APPLY HERE: Hilton Honors Aspire Card From American Express

Hilton Amex Surpass and Hilton Amex Business

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

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 125,000-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.

Related reading: 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

IHG Rewards Club Premier Credit Card

Right now, the IHG Premier is offering a welcome 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. 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 Airlines and Alaska Airlines own programs.

Related reading: 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 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 50,000-point welcome bonus through CardMatch, although both are targeted offers 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.

Featured image of the Conrad Maldives courtesy of the hotel.

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.