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

Jan 28, 2022

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

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 increase your points and miles stash. And as travel is now back on the radar, there’s nothing quite like the thrill of seeing a massive bonus post to your account.

From there, you can start dreaming about how you can explore the world with your travel rewards.

If you’ve been thinking about adding a new card to your wallet, it’s a good time to act. Some of the best travel rewards cards on the market are offering bonuses of 100,000 points or miles — and in some cases, even more. But don’t be fooled — not every offer is of equal value, and most don’t stick around for very long.

Let’s walk through some of the top cards offering bonuses of 100,000 points or more.

Want more credit card news and advice delivered to your inbox? Sign up for our TPG daily newsletter.

Cards offering sign-up/welcome bonuses of 100,000 points or more

Card Annual fee Welcome offer Welcome offer value* Notable perks
The Platinum Card® from American Express $695 (see rates & fees) 100,000 points after you spend $6,000 on purchases within the first six months of card membership. $2,000 Enrollment required for some benefits: Up to $200 back in statement credits each year on prepaid Amex Fine Hotels + Resorts or The Hotel Collection bookings with American Express Travel when you pay with your Amex Platinum
Comprehensive airport lounge access, including Centurion Lounges. 40+ Centurion Lounge and Studio locations worldwide are now included in The Centurion® Network
Annual airline-fee statement credit of up to $200 on a U.S. carrier you designate
Annual Uber Cash of up to $200
Up to $20 in statement credits each month when you pay for eligible purchases with your card at participating digital entertainment providers
Global Entry or TSA PreCheck application fee statement credit (up to $100) every 4 to 4.5 years
Up to $189 back via statement credit per calendar year on your Clear membership (expedited security).
Chase Ink Business Preferred Credit Card  $95 100,000 bonus points after you spend $15,000 on purchases in the first three months of account opening. $2,000 3x on the first $150,000 per account anniversary year (then 1x) on travel, shipping, internet, cable, phone purchases, advertising purchases on social media and search engines

Employee cards are no additional cost

Cellphone insurance

Travel protections.

Iberia Visa Signature® Card $95 100,000 Avios after you spend $5,000 on purchases within the first three months from account opening. $1,500 10% off Iberia flights booked through Iberia.com/Chase10 with your card

Discount voucher of $1,000 to use toward two tickets on the same flight each year you spend $30,000

Hilton Honors American Express Aspire Card $450 (see rates & fees) 150,000 points after you spend $4,000 on purchases in the first three months of account opening. Terms apply. $900 Diamond status

Up-to-$250 annual airline statement credit on a U.S. carrier you designate

Up-to-$250 annual Hilton Resort statement credit

Up-to-$100 property credit on eligible stays of two or more nights at Waldorf Astoria and Conrad hotels

One free weekend night every cardmember year after renewal

Enrollment required for select benefits. Terms apply.

Hilton Honors American Express Surpass® Card $95 (see rates & fees). Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 3 months of Card Membership. Plus, you can earn up to $130 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership. $910 (including statement credit) Gold status

10 complimentary lounge visits each Priority Pass Membership year once enrolled

One complimentary weekend night after spending $15,000 in a year

Diamond status after spending $40,000 in a calendar year

Terms apply.

The Hilton Honors American Express Business Card $95 (see rates & fees) Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 3 months of Card Membership. Plus, you can earn up to $130 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership. $910 (including statement credit) Gold status

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. Enrollment required for select benefits.

IHG Rewards Club Premier Credit Card $99 Earn 140,000 bonus points after you spend $3,000 on purchases in the first three months of account opening. up to $700

Automatic IHG Platinum elite status

Fourth night reward on award stays

20% discount on buying IHG points

The Business Platinum Card® from American Express $695 (see rates & fees) 120,000 Membership Rewards points after you spend $15,000 on eligible purchases in the first three months of card membership. $2,400 Up to $400 in statement credits each year for U.S. Dell technology purchases

35% rebate on Pay With Points flight redemptions (up to 500,000 points per calendar year)

Access to The American Express Global Lounge Collection

Enrollment required for select benefits. Terms Apply.

British Airways Visa Signature® Card $95 100,000 Avios after spending $5,000 in the first three months of account opening. $1,500 Earn up to $600 in statement credits on Reward Flight bookings

Receive a Travel Together Ticket after spending $30,000 on purchases in a calendar year

Receive 10% off British Airways flights booked through a dedicated portal

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

The information for the Hilton Aspire Amex 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.

The Platinum Card® from American Express

(Photo by Isabelle Raphael for The Points Guy)
Welcome offer Earning rate Annual fee
100,000 points after you spend $6,000 on purchases in the first six months from card membership.
  • 5x points for flights booked directly with airlines or with American Express Travel (up to $500,000 on these purchases per calendar year)
  • 5x points on prepaid hotels booked with American Express Travel
  • 1x points on other eligible purchases
$695 (see rates & fees)

The Amex Platinum now fields one of the absolute best offers in the history of travel cards — 100,000 points after meeting minimum spending requirements (we’ve seen that a handful of times before).

If leveraged with transfer partners, TPG valuations peg Amex points’ value at 2 cents each, on average. You should have no trouble reaping $2,000 in value from the 100,000-point welcome bonus.

And the welcome bonus is just the beginning. This card offers potentially $1,400+ in statement credits each year. That could offset the card’s $695 annual fee more than twofold. The fee certainly looks formidable, but simply do the math to see if the card will save you money each year.

Read our full Amex Platinum review to learn about this card’s incomparable benefits.

APPLY HERE: The Platinum Card® from American Express

Ink Business Preferred Credit Card

(Photo by John Gribben for The Points Guy)
Sign-up bonus Earning rate Annual fee
100,000 bonus points after you spend $15,000 on purchases in the first three months of account opening.
  • 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)
  • 1x on other purchases
$95

The Ink Business Preferred ties the Chase Sapphire Preferred with the largest Ultimate Rewards bonus of any Chase card. However, it demands a significantly higher spending requirement than the Chase Sapphire Preferred.

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 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. That isn’t even including the points you’ll rack up by hitting the spending requirement. Depending on which categories you spend in, you could earn anywhere from 15,000 to 45,000 additional points, giving you $300 to $900 more in value.

The current elevated sign-up bonus isn’t the only thing to love about this card. It’s simply a great all-around option for small-business owners thanks to its bonus spending categories, and cellphone protection, primary rental car coverage (when renting for business purposes) and other travel and purchase protections. You can also add employee cards to your account for free.

Read our full review of the Ink Business Preferred Credit Card.

APPLY HERE: Ink Business Preferred Credit Card

Iberia Visa Signature® card

(Photo by Lori Zaino / The Points Guy)
Sign-up bonus Earning rate Annual fee
100,000 Avios after you spend $5,000 on purchases within the first three months from account opening.
  • 5x Avios spent on Iberia, Aer Lingus and British Airways within the first 12 months of account opening; earn 3x Avios thereafter
  • 3x Avios spent on hotel accommodations booked directly with the hotel within the first 12 months of account opening; earn 2x Avios thereafter
  • 1x Avios on other purchases
$95

It’s entirely possible that you could be well-served by the 100,000-Avios offer with the Iberia Visa Signature, even if you’ve never flown (or heard of) Iberia Airlines. Iberia is a Spain-based airline in the Oneworld alliance that operates flights worldwide, including to select gateway cities in the U.S.

Iberia has a close partnership with British Airways and Aer Lingus, two airlines that also use Avios as their award currency. Avios can be transferred from one program to another among these three, which is a nice perk if you have a preference for a particular program.

Of the three airlines and Avios programs, Iberia actually sometimes offers the best award possibilities. For example, you can book a one-way business class ticket between New York (JFK) and Madrid (MAD) for just 34,000 Avios on off-peak dates. Getting a lie-flat seat to Europe for just 34,000 Avios plus taxes and fees is pretty outstanding.

Iberia Airbus A350 (Photo by Christian Kramer/The Points Guy)

But just like with British Airways Avios, you can also use Iberia Avios to book flights operated by domestic U.S. partners, such as American Airlines and even Alaska Airlines (eventually), making them a very useful currency with multiple redemption options.

Also, note that the Aer Lingus Visa Signature® Card offers a very similar sign-up offer of 100,000 Avios with the same minimum spend requirements. You can transfer those points to Iberia.

APPLY HERE: Iberia Visa Signature card

Read our full review of the Iberia Visa Signature.

Hilton Honors American Express Aspire Card

Photo courtesy of American Express.
(Photo courtesy of American Express)
Welcome offer Earning rate Annual fee
150,000 points after you spend $4,000 in the first three months of account opening. Terms apply.
  • 14x points on eligible purchases at participating Hilton hotels
  • 7x points on flights booked directly with airlines or through Amex Travel, car rentals
    booked directly from select car rental companies and at U.S. restaurants
  • 3x points on all other eligible purchases
$450 (see rates & fees)

Although Hilton points are one of the less valuable currencies on this list, at only 0.6 cents apiece, there are currently several Hilton cards posting welcome offers of more than 100,000 points.

The Aspire is a value-packed premium card with a hefty $450 annual fee to match. But in exchange, you’ll automatically receive top-tier Hilton Diamond status and one free weekend night when you open your card and another every year when you renew.

Cardmembers can register for full Priority Pass membership for access with up to two guests to over 1,200 airport lounges around the world. They receive several annual statement credits to offset the high fee. Those include up to $250 in annual 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. Enrollment required for select benefits.

Read our full review of the Hilton Honors Aspire Card.

Hilton Honors American Express Surpass and Hilton Honors American Express Business

(Photo by Eric Helgas for The Points Guy)
Welcome offer Earning rate Annual fee

Surpass: Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 3 months of Card Membership. Plus, you can earn up to $130 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership.

Hilton Business: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 3 months of Card Membership. Plus, you can earn up to $130 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership.

Surpass: 12x points on eligible purchases at Hilton hotels; 6x at U.S. restaurants, U.S. supermarkets and U.S. gas stations; 3x on all other eligible purchases

Business: 12x points on eligible purchases at Hilton hotels; 6x at U.S. gas stations, wireless phone services purchased from U.S. providers, U.S. shipping purchases, U.S. restaurants, flights booked directly or through the Amex portal and car rentals booked directly through select car rental companies; 3x on all other eligible purchases

$95 (see Surpass rates & fees) (see Hilton Business rates & fees)

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 and the Hilton Honors American Express Business Card, both of which charge significantly lower $95 annual fees. When it comes to features, these two cards are similar to one another, too.

Both will get you complimentary Hilton Gold status and the ability to upgrade to Diamond by spending $40,000 in a calendar year. Cardholders can earn a free weekend night certificate good at practically any Hilton property for spending $15,000 in a calendar year, and they receive 10 complimentary Priority Pass visits annually. Enrollment required for select benefits.

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

(Photo by The Points Guy)
Sign-up bonus Earning rate Annual fee
Earn 140,000 bonus points, plus a reward night after you spend $3,000 on purchases in the first three months of account opening.
  • Up to 25 points per dollar total when you stay at an IHG hotel.
  • 2 points per dollar at gas stations, grocery stores and restaurants.
  • 1 point per dollar on other eligible purchases.
$99

Right now, the IHG Premier is offering a sign-up bonus of 140,000 bonus points, plus a reward night after spending $3,000 on purchases within the first three months of account opening. Unfortunately, TPG only values IHG points at 0.5 cents each, meaning this bonus is only worth up to $700. While it’s not as valuable as others on this list, you could still get quite a few award nights out of it if you strategize.

Because the IHG Premier comes with Platinum elite status, you’ll get a 50% bonus on the base 10x points 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 award, and a 20% discount when you buy points. Cardholders can also get up to $100 in statement credits toward a Global Entry or TSA PreCheck application fee paid for with their card once every four years.

Read our full IHG Premier Card review.

APPLY HERE: IHG Rewards Club Premier Credit Card

The Business Platinum Card® from American Express

Welcome offer Earning rate Annual fee
Earn 120,000 Membership Rewards points after you spend $15,000 on eligible purchases in the first three months of card membership.
  • 5x points when you purchase airfare and prepaid hotel rooms with American Express Travel (including Amex Fine Hotels & Resorts)
  • 1.5x points on up to $2 million in eligible purchases in the U.S. per calendar year of electronics goods, retailers, software and cloud service providers; construction materials and hardware supplies; shipping providers; and purchases of $5,000+
  • 1x on all other eligible purchases
$695 (see rates and fees)

The Amex Business Platinum Card has recently received a benefits refresh, which high-spending businesses will really appreciate. American Express has added three 1.5x bonus categories to help you earn rewards faster.

Add to this the $1,000+ in new statement credits annually, and the card is an easy decision for many businesses:

  • Up to $200 more in Dell statement credits per calendar year on U.S. purchases (now up to $400 total)
  • Up to $360 annual statement credit on Indeed hiring and recruiting products and services
  • Up to $150 annual statement credit on select purchases from Adobe (e.g. Adobe Creative Cloud, Acrobat Pro DC, etc.)
  • Up to $120 annual statement credits for purchases made directly from U.S. wireless telephone providers (max $10 per month)
  • Annual $189 statement credit for a CLEAR membership
    • Enrollment is required for some benefits, terms apply.
Between a high minimum spending requirement and several business-focused perks, this card certainly won’t be right for every small business, but it should be great for some. And beginning Jan 13, 2022, the card’s annual fee will jump to $695.

Read our full Amex Business Platinum review.

APPLY HERE: Amex Business Platinum card

British Airways Visa Signature® Card

(Photo by The Points Guy)
Sign-up bonus Earning rate Annual fee
Earn 100,000 Avios after spending $5,000 on purchases within the first three months of account opening.
  • 5x Avios spent on British Airways, Aer Lingus and Iberia within the first 12 months of account opening; then earn 3x Avios thereafter
  • 3x Avios spent on hotel accommodations booked directly with the hotel within the first 12 months of account opening; then earn 2x Avios thereafter
  • 1x Avios on other purchases
$95

The British Airways Visa Signature® Card is the only cobranded card British Airways offers in the United States. It currently earns 5x Avios spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL within your first 12 months of card opening, then 3x Avios. It accrues 3x Avios spent on hotel accommodations when purchased directly with the hotel within your first 12 months from account opening, and thereafter 2x Avios. All other eligible purchases earn 1x Avios.

Some of the associated perks of this card are statement credits toward award ticket taxes and fees ($100 per economy or premium economy ticket and $200 toward business or first class, up to three times per year), 10% off eligible British Airways flights booked through a dedicated cardholder portal, no foreign transaction fees, and a Travel Together companion ticket after spending $30,000 on purchases in a calendar year. This card also earns Visa Signature perks such as lost baggage protection, purchase protection, extended warranty protection, secondary car rental insurance, and access to the Visa Signature Luxury Hotel Collection.

This card can be an asset for those who often redeem Avios for British Airways flights since you can earn up to $600 back in statement credits each year.

Read the full British Airways Visa Signature Card review.

Apply here: The British Airways Visa Signature Card 

Bonus: Up to 125,000 points with the CardMatch tool

If you’re lucky, you might find yourself targeted for a welcome offer of up to 125,000 points on another card in the CardMatch tool (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 matches you with personalized card offers for which you might be eligible.

These offers can be higher — sometimes much higher — than those available through other public channels.

For example, the public Amex Platinum welcome offer is 100,000 Membership Rewards points after you spend $6,000 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 spending 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 all 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, hotel or issuer loyalty program.

Methodology

As you can see from the list above, these cards have a sign-up bonus or welcome offer of 100,000 points or more. However, not all points are worth the same amount. That’s why TPG has a designated valuation, updated monthly, for each loyalty currency. For instance, one Marriott Bonvoy point is not the same value as one Hilton Honors point.

Therefore, the “total bonus value” is the bonus points multiplied by our current TPG valuation of what the currency is worth to us. Additionally, any welcome offer/sign-up bonus statement credits will also be calculated within this bonus value column.

Additional reporting by Madison Blancaflor, Jordyn Fields and Joseph Hostetler.

Featured photo 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 Amex Platinum card, click here.
For rates and fees of the Amex Business Platinum card, please click here.

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.