10 cards currently offering sign-up bonuses of 100,000 points or more

Jan 8, 2021

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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.

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 (once it’s safe to do so again).

If you’ve been thinking about adding a new card to your wallet, there are plenty of card options that are offering sign-up 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 equal.

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

In This Post

Credit Card Annual fee Sign-up bonus/welcome offer Bonus Value* Notable Perks
Marriott Bonvoy Brilliant™ American Express® Card $450 (see rates & fees) 100,000 bonus points after spending $5,000 in purchases on your new card in your first three months. Plus, earn an additional 25,000 bonus points after your first anniversary of card membership (offer expires Jan.13, 2021). Up to $1,000 Up to $300 in statement credits for Marriott Bonvoy annually, automatic elite status, 15 elite night credits annually,  lounge access, annual free-night award.
Marriott Bonvoy Business™ American Express® Card $125 (see rates & fees) 100,000 bonus points after you spend $5,000 in purchases within your first three months of card membership. Earn up to $150 in statement credits within your first six months of card membership for all eligible purchases on your card on U.S. advertising in select media. Plus, receive complimentary Marriott Bonvoy Platinum elite status for one year, between Feb. 1, 2021, and Jan. 31, 2022 (offer expires on Jan. 13, 2021). Up to $3,605 15 elite night credits annually, annual free night award.
Chase 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, 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.
Hilton Honors American Express Aspire Card $450 (see rates & fees) 150,000 points after you spend $4,000 in the first three months of account opening. Plus, earn a one-time $100 statement credit after using your new card to purchase an ExpertFlyer Premium** annual subscription ($99.99 plus applicable taxes, followed by automatic renewal) within your first year. Terms apply. $900 Up-to-$250 annual airline credit, up-to-$250 annual 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)

130,000 points after you spend $2,000 in the first three months of card membership. Plus, earn a one-time $100 statement credit after using your new card to purchase an ExpertFlyer Premium** annual subscription ($99.99 plus applicable taxes, followed by automatic renewal) within your first year. Terms apply.

$780 One free weekend night after spending $15,000 in a year, Hilton Honors Diamond status after spending $40,000 in a calendar 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 calendar year), Diamond status after spending $40,000 in a calendar 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.
IHG Rewards Club Traveler Credit Card $0 100,000 bonus points after you spend $2,000 in the first three months of account opening (offer ends Jan. 13, 2021). $500 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 spending $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.
** ExpertFlyer is owned by TPG’s parent company, Red Ventures.

Marriott Bonvoy Brilliant™ American Express® Card

(Photo by Isabelle Raphael/The Points Guy)

The Marriott Bonvoy Brilliant is Marriott’s top-tier cobranded credit card issued by American Express, currently offering up to 125,000 Marriott Bonvoy points. You’ll earn 100,000 bonus points after spending $5,000 in purchases on your new card in your first three months. Plus, earn an additional 25,000 bonus points after your first anniversary of card membership (offer expires Jan.13, 2021). That is worth $1,000, according to TPG valuations.

But even beyond the bonus, this is a stellar card for any frequent traveler loyal to the Marriott Bonvoy brand. You’ll get Marriott Bonvoy Platinum Elite status from Feb. 1, 2021, through Jan. 31, 2022. The card also comes with an annual free night award worth up to 50,000 points), up to $300 in statement credits for Marriott purchases, Priority Pass lounge access, 15 elite qualifying night credits per year and more. When it comes to everyday earning, you’ll earn 6x points at participating Marriott hotels, 3x at U.S. restaurants and on flights booked directly with airlines, and 2x on all other eligible purchases.

Read our full review of the Marriott Bonvoy Brilliant Card. 

APPLY HERE: Marriott Bonvoy Brilliant American Express Card

Marriott Bonvoy Business™ American Express® Card

(Photo by Eric Helgas/The Points Guy)

Another Marriott Bonvoy card worth considering is the Marriott Bonvoy Business Card, also issued by American Express. Right now, the card is offering a pretty stellar welcome offer: 100,000 Marriott Bonvoy points after spending $5,000 in purchases within your first three months of card membership. Earn up to $150 in statement credits within your first six months of card membership for all eligible purchases on your card on U.S. advertising in select media. This card also comes with Marriott Bonvoy Platinum elite status for a year (worth up to $2,655). Altogether, that bonus is worth a total of $3,605, according to TPG valuations.

With the card, you’ll get 15 elite night credits annually (which can be stacked with a Marriott Bonvoy consumer card) and a free night award annually (with the ability to earn a second through spending). You’ll earn 6x points on Marriott Bonvoy, 4x on U.S. restaurants, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and on purchases made from merchants in the U.S. for shipping, plus 2x on all other eligible purchases.

Read our full review of the Marriott Bonvoy Business Card. 

APPLY HERE: Marriott Bonvoy Business American Express Card

Chase 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, making the bonus alone worth $2,000 when you take advantage of Chase’s excellent collection of 10 airline and three 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, giving you $300 to $900 in additional value.

The current elevated sign-up 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 points 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 take 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.

APPLY HERE: Ink Business Preferred Credit Card

Southwest Rapid Rewards Performance Business Credit Card

If you’re a business owner who (under normal circumstances) frequently travels domestically on Southwest Airlines, 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 spending $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 a great 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 points 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 points on everything else.

Of course, the card also comes with several 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 in to an eligible existing Chase account to be able to get this card.

Read our full review of the Southwest Performance Business Card.

APPLY HERE: Southwest Rapid Rewards Performance Business 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. Plus, earn a one-time $100 statement credit after using your new card to purchase an ExpertFlyer Premium annual subscription ($99.99 plus applicable taxes, followed by automatic renewal) within your first year.

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 up to $100 in property credits 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

Hilton Honors American Express Surpass® and Hilton Honors American Express Business

(Photo by Eric Helgas for The Points Guy)
(Photo by Eric Helgas/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 midtier 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 130,000 points after you spend $2,000 in the first three months of card membership. Plus, earn a one-time $100 statement credit after using your new card to purchase an ExpertFlyer Premium annual subscription ($99.99 plus applicable taxes, followed by automatic renewal) within your first year.

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 calendar year, a free weekend night certificate good at practically any Hilton property for spending $15,000 in a calendar 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 midtier 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 sign-up 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 up to 25x points total when you stay at an IHG hotel, 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. The card also comes with several 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 $89.

Read our full IHG Premier Card review.

APPLY HERE: IHG Rewards Club Premier Credit Card

IHG Rewards Club Traveler Credit Card

(Photo by John Gribben for The Points Guy)
(Photo by John Gribben for The Points Guy)

The IHG Rewards Traveler Credit Card is also currently offering an elevated sign-up bonus — 100,000 points after you spend $2,000 on purchases in the first three months. TPG values this bonus at $500, which is a great value for a no-annual-fee credit card. Of course, you’ll also earn 5x points on IHG stays, 2x on gas stations, grocery stores and restaurants, and 1x on everything else. Since you get 10x base points on IHG stays as a member, you’re really getting 15x on IHG stays with this card (a 7.5% return).

While the card doesn’t come with all the bells and whistles of the IHG Rewards Premier, you’re still getting the fourth award night reward benefit, plus 20% on point purchases. Like the IHG Premier, this offer ends on Jan. 13, 2021, so make sure you apply before it disappears!

Read our full IHG Rewards Traveler Credit Card review.

APPLY HERE: IHG Rewards Club Traveler Credit Card

British Airways Visa Signature Card

(Photo by The Points Guy)

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.

Related: The best uses of 100,000 British Airways Avios

On the earning side, the card offers 3x Avios per dollar spent on British Airways purchases and 2x 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: 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.

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-to-125,000-point welcome offer on another card in the CardMatch tool (please note that targeted offers are 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.

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

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 75,000 Membership Rewards points after you spend $5,000 on purchases in your first six months of card membership. However, we’ve seen targeted offers such as 125,000 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.

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. 

Featured image by Isabelle Raphael/The Points Guy. 

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.
For rates and fees of the Marriott Bonvoy Brilliant card, click here.
For rates and fees of the Marriott Bonvoy Business card, click here.

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 dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
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.