The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Advertiser disclosure
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Guides
23 cards currently offering welcome bonuses of 100,000 points or more
Augusta Stone is a credit cards writer for TPG. She joined the TPG team in 2023 and is excited to take points and miles beginners with her on a journey toward maximizing rewards.
Stephanie Stevens is an associate writer with TPG's credit cards team. She focuses on creating timely credit cards content for TPG readers.
also contributed to this story
October 27, 2026 • 24 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
Editorial note: This is a recurring post, regularly updated with new information and offers.
Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
Related stories
Quick summary
Several travel rewards cards are currently offering welcome bonuses of at least 100,000 points or miles, with some reaching significantly higher values.
These offers are valued using TPG's October 2026 valuations, with some bonuses including additional perks such as travel credits, free night awards or companion benefits.
Many cards provide ongoing benefits beyond the initial bonus, including statement credits, lounge access and elite status with select hotel or airline programs.
Eligibility for the highest offers may vary, and some bonuses are available only for a limited time.
What to consider
Some offers require substantial spending within a set timeframe to qualify for the full bonus.
Limited-time offers and varying eligibility rules mean not all applicants will receive the maximum bonus.
Valuations of points and miles are based on TPG's October 2026 data and may change over time.
What you'll miss from the article
A detailed comparison of the top current welcome bonuses, including specific perks and which cards best fit different travel or business needs.
Generated by AI with support from our editorial team.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
Credit card welcome offers are the fastest way to increase your points and miles stash. There’s nothing quite like the thrill of seeing a massive bonus post to your loyalty account. From there, you can start dreaming about using your travel rewards to explore the world.
Some of the best travel rewards cards on the market offer welcome bonuses of at least 100,000 points or miles — in some cases, even more.
Beyond the welcome offer, though, these cards have ongoing perks that make them worth a place in your wallet. Let’s take a deeper dive into cards that currently offer welcome offers of at least 100,000 points or miles.
Note that all valuations included in this article are according to TPG's October 2026 valuations.
Cards offering welcome bonuses of at least 100,000 points or miles
These are sorted by the total value of the welcome offer, according to TPG's valuations.
Earn up to 300,000 bonus miles and a $1,000 travel credit: 150,000 bonus miles after spending $40,000 on purchases in the first four months from account opening, plus an additional 150,000 bonus miles and a $1,000 Capital One Business Travel credit (to use in the first cardholder year) after spending $120,000 total on purchases in the first four months from account opening.
Find out your offer and see if you are eligible for as high as 300,000 bonus points after spending $20,000 on purchases in the first three months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)
Find out your offer and see if you are eligible for as high as 200,000 bonus points after spending $15,000 on purchases in the first three months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)
Find out your offer and see if you are eligible for as high as 175,000 bonus points after spending $12,000 on purchases in the first six months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)
Find out your offer and see if you are eligible for as high as 100,000 bonus points after spending $8,000 on purchases in the first six months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)
For a limited time, new Citi / AAdvantage Executive cardholders can earn 125,000 bonus miles after spending $15,000 on purchases in the first five months from account opening.
Earn three free night awards (valued at up to 50,000 points each) after spending $3,000 on purchases in the first three months from account opening. Certain hotels have resort fees. Additionally, earn up to $100 in statement credits (up to $50 biannually) after spending $500 on eligible airline purchases (through June 30, 2027).
Earn up to 100,000 bonus miles and 2,000 PQP: Earn 90,000 bonus miles and 2,000 PQP after spending $5,000 on purchases in the first three months from account opening. Plus, earn 10,000 bonus miles after adding an authorized user in the first three months from account opening.
Up to $1,200 (including the points from adding an authorized user; not including the value of the PQPs)
Earn up to 100,000 bonus miles and 2,000 PQP: Earn 90,000 bonus miles and 2,000 PQP after spending $5,000 on purchases in the first three months from account opening. Plus, earn 10,000 bonus miles after adding an authorized user in the first three months from account opening.
Up to $1,200 (including the points from adding an authorized user; not including the value of the PQPs)
Earn 100,000 bonus points and a free night award (valued at up to 50,000 points) after spending $8,000 on purchases in the first six months of card membership. Resort fees apply.
Earn 130,000 bonus points and a free night reward after spending $3,000 on purchases in the first six months of card membership.
$520
The information for the United Club Business has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Below, we’ve grouped these cards by issuer and loyalty program to make it easier to compare similar products.
Capital One Venture X Business
New Capital One Venture X Business cardmembers can earn up to 300,000 bonus miles and a $1,000 travel credit after meeting two spending thresholds:
Earn 150,000 bonus miles after spending $40,000 on purchases in the first four months from account opening.
Earn an additional 150,000 bonus miles and a $1,000 Capital One Business Travel credit (to use in the first cardholder year) after spending $120,000 total on purchases in the first four months from account opening.
According to TPG's October 2026 valuations, the full offer is worth up to $6,550, including the $1,000 travel credit.
THE POINTS GUY
Highlights of the Venture X Business card's benefits include a $300 annual credit for travel booked through Capital One Business Travel and complimentary access to Capital One Lounges and participating Priority Pass lounges.
With the Amex Business Platinum, new cardmembers can find out their offer and see if they are eligible for as high as 300,000 bonus points after spending $20,000 on purchases in the first three months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)
TPG's October 2026 valuations place this offer at up to $6,000 in value.
THE POINTS GUY
The Business Platinum also provides a list of valuable statement credits that can be helpful for business owners.
You can receive up to $200 each calendar year in airline fee statement credits for charges by the eligible airline you select each calendar year and up to $120 per calendar year in statement credits for purchases made directly from U.S. wireless telephone providers (up to $10 per month; enrollment required for select benefits).
Applicants for the Chase Sapphire Reserve for Business can earn 200,000 bonus points after spending $30,000 on purchases in the first six months from account opening.
The Sapphire Reserve for Business is an excellent option for travel-minded business owners who are willing to maximize the card's multiple statement credits.
These include an annual $500 credit for The Edit (up to $250 in statement credits twice per year; two-night minimum stay required; this benefit is changing Jan. 1), up to $400 credit with ZipRecruiter (through Dec. 31, 2027; split as two $200 biannual credits), a flexible $300 annual travel credit and up to $200 in Google Workspace credits (through Dec. 31, 2027).
The Amex Business Gold currently offers new applicants the ability to find out their offer and see if they are eligible for as high as 200,000 bonus points after spending $15,000 on purchases in the first three months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)
According to October 2026 valuations, this welcome offer is worth up to $4,000.
THE POINTS GUY
This card provides useful perks for business owners who spend frequently on common expenses like food and shipping.
With this card, you’ll receive up to $240 in statement credits each calendar year for eligible U.S. purchases at Grubhub, office supply stores and shipments at UPS.com (up to $20 per month) and a monthly statement credit toward one Walmart+ membership valued at up to $12.95 monthly plus applicable taxes (up to $155 per calendar year, Plus-Ups not included; subject to auto-renewal; enrollment required for select benefits).
If you're looking to apply for the Amex Platinum, you can find out your offer and see if you are eligible for as high as 175,000 bonus points after spending $12,000 on purchases within the first six months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)
Per TPG’s valuations, you could be eligible for up to $3,500 in value.
THE POINTS GUY
The Amex Platinum is a popular choice with travelers thanks to its premium perks, such as extensive airport lounge access for eligible cardmembers (including Centurion Lounges), multiple statement credits and complimentary elite status with Hilton, Marriott and Leading Hotels of the World (enrollment required for select benefits).
The Chase Sapphire Reserve's welcome offer allows new cardholders to earn 100,000 bonus points after spending $6,000 on purchases in the first three months from account opening.
TPG's October 2026 valuations place this welcome offer at $2,050 in value.
THE POINTS GUY
This card offers a host of benefits, including statement credits for The Edit by Chase Travel (up to $250 in statement credits twice per year; minimum two-night stay required), StubHub (through Dec. 31, 2027; activation required) and Lyft (through Sept. 30, 2027).
With the Amex Gold Card, new applicants can find out their offer and see if they are eligible for as high as 100,000 bonus points after spending $8,000 on purchases in the first six months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)
You could be eligible for up to $2,000 in value, per TPG's October 2026 valuations.
THE POINTS GUY
The Amex Gold is our top choice for foodies since it earns 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year for restaurants worldwide; then 1 point per dollar spent thereafter, and $25,000 in purchases per calendar year for U.S. supermarkets; then 1 point per dollar spent thereafter, respectively).
This card is also packed with useful statement credits and solid travel and purchase protections.
Two Delta SkyMiles business cards are offering elevated welcome bonuses for a limited time, with offers ending Nov. 4.
SEAN CUDAHY/THE POINTS GUY
Delta SkyMiles Reserve Business Amex: Earn 200,000 bonus miles after spending $20,000 on purchases in the first six months of card membership. This offer is worth $2,400, according to TPG's October 2026 valuations.
Delta SkyMiles Platinum Business Amex: Earn 100,000 bonus miles after spending $8,000 on purchases in the first six months of card membership. TPG's valuations place this offer at $1,200.
Both cards offer valuable perks for frequent Delta flyers, including free checked bags, priority boarding and an annual companion certificate upon renewal. The Reserve Business also provides Delta Sky Club access on eligible flights (subject to terms).
New Atmos Rewards Summit cardholders can earn 100,000 bonus points and a 25,000-point Global Companion Award after spending $6,000 on purchases in the first 90 days from account opening.
Per TPG's October 2026 valuations, this offer is worth up to $1,938, including the value of the 25,000-point Global Companion Award.
THE POINTS GUY
The Atmos Summit provides a solid suite of airline-specific benefits when you fly Alaska or Hawaiian, including your first checked bag free and preferred boarding when you purchase your airfare with your card.
New Capital One Venture Business cardholders can earn 100,000 bonus miles after spending $10,000 on purchases within the first three months from account opening.
Our October 2026 valuations place this bonus value at $1,850.
THE POINTS GUY
The Venture Business earns a straightforward 2 miles per dollar spent on all purchases and an elevated 5 miles per dollar spent on hotels, rental cars and vacation rentals booked through Capital One Business Travel. It's best for business owners who make purchases across a broad list of categories and want to earn simple rewards.
For a limited time, new Citi / AAdvantage Executive cardholders can earn 125,000 bonus miles after spending $15,000 on purchases in the first five months from account opening.
According to TPG's October 2026 valuations, this welcome offer is worth approximately $1,813.
THE POINTS GUY
The card is particularly appealing to frequent American Airlines flyers thanks to its Admirals Club membership, which provides access to nearly 50 Admirals Club lounges worldwide. Cardholders also receive their first checked bag free on eligible domestic American Airlines itineraries and priority airport privileges.
Two Marriott Bonvoy cards are providing welcome bonuses of more than 100,000 points.
CLINT HENDERSON/THE POINTS GUY
Marriott Bonvoy Boundless: Earn three free night awards (valued at up to 50,000 points each) after spending $3,000 on purchases in the first three months from account opening. Certain hotels have resort fees. Additionally, earn up to $100 in statement credits (up to $50 biannually) after spending $500 on eligible airline purchases (through June 30, 2027). Per TPG's October 2026 valuations, this offer is worth $1,225, including the statement credit.
Marriott Bonvoy Business American Express: Earn 100,000 bonus points and a free night award (valued at up to 50,000 points) after spending $8,000 on purchases in the first six months of card membership. Resort fees apply. This offer is worth up to $1,125, according to TPG's valuations.
For a modest $95 annual fee, the Boundless provides automatic Silver Elite status with Marriott Bonvoy, which grants 10% more points on stays, priority late checkout and complimentary Wi-Fi. You’ll also receive a free night award worth up to 35,000 points every year after your account anniversary (certain hotels have resort fees).
If you’re a small-business owner frequently staying at Marriott properties, the Marriott Business card is a great choice. You’ll receive elite night credits toward status, complimentary Gold Elite status and a discount on eligible bookings when you book directly with Marriott through an eligible channel at a participating Marriott property with the Amex business card rate.
United Airlines' two business cards are both offering 100,000 miles with their current bonuses.
United 787. SEAN CUDAHY/THE POINTS GUY
United Business Card: Earn up to 100,000 bonus miles and 2,000 PQP: Earn 90,000 bonus miles and 2,000 PQP after spending $5,000 on purchases in the first three months from account opening. Plus, earn 10,000 bonus miles after adding an authorized user in the first three months from account opening. This offer is worth up to $1,200, according to October 2026 valuations.
United Club Business Card: Earn up to 100,000 bonus miles and 2,000 PQP: Earn 90,000 bonus miles and 2,000 PQP after spending $5,000 on purchases in the first three months from account opening. Plus, earn 10,000 bonus miles after adding an authorized user in the first three months from account opening. TPG's valuations place this offer at up to $1,200.
These cards provide a first checked bag free on United flights, inflight discounts on food and beverage purchases and multiple statement credits to help offset their annual fees.
Four IHG One Rewards cards are offering bonuses of more than 100,000 points right now.
IHG HOTELS & RESORTS
IHG One Rewards Premier: Earn 180,000 bonus points after spending $3,000 on purchases in the first three months from account opening. This is worth $1,080, per TPG's October 2026 valuations.
IHG One Rewards Premier Business: Earn 190,000 bonus points after spending $5,000 on purchases in the first three months from account opening. TPG's valuations
deem this worth $1,140.
IHG One Rewards Premier Select Credit Card: Earn 200,000 bonus points after spending $5,000 on purchases in the first three months from account opening. TPG's valuations deem this worth $1,200.
IHG One Rewards Credit Card: Earn 125,000 bonus points after spending $2,000 on purchases in the first three months from account opening.TPG's valuations deem this worth $750
IHG loyalists looking to boost their points balance will enjoy earning on any of these cards.
Most of Hilton's cobranded American Express cards are currently offering bonuses worth at least 100,000 points with the brand.
ERIC ROSEN/THE POINTS GUY
Hilton Aspire: Earn 200,000 bonus points after spending $6,000 on purchases in the first six months of card membership. According to TPG’s October 2026 valuations, this bonus is worth $800.
Hilton Business: Earn 150,000 bonus points and a free night reward after spending $8,000 on purchases in the first six months of card membership. This offer is worth $600 when you factor in TPG's valuations.
Hilton Surpass: Earn 130,000 bonus points and a free night reward after spending $3,000 on purchases in the first six months of card membership. TPG's valuations value this bonus at $520.
One of these cards could provide solid value to Hilton loyalists. Depending on the card you select, you could receive elite status, statement credits and bonus points for every purchase.
The above offers are enticing, but remember that each issuer has its own 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.
These cards offering 100,000-point bonuses (and more) could be worth considering if you want to boost your rewards balance in a specific airline, hotel or issuer loyalty program.
For rates and fees of the Amex Business Platinum Card, click .
For rates and fees of the Amex Business Gold Card, click .
For rates and fees of the Amex Platinum Card, click .
For rates and fees of the Amex Gold Card, click .
For rates and fees of the Marriott Bonvoy Business card, click . For rates and fees of the Hilton Aspire, click .
For rates and fees of the Hilton Business, click .
For rates and fees of the Hilton Surpass, click .
For rates and fees of the Delta SkyMiles Platinum Business card, click .
For rates and fees of the Delta SkyMiles Reserve Business card, click .
