10 credit cards 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 increase your points and miles stash. And as travel is in the midst of a roaring 2021 comeback, there’s nothing quite like the thrill of seeing a massive bonus post to your account and start dreaming about how you can explore with your travel rewards.

If you’ve been thinking about adding a new card to your wallet, it’s a good time to act. In fact, this is one of the best times to get a new card that we’ve seen — ever. Some of the best rewards cards on the market are offering increased sign-up bonuses of at least 100,000 points — and in some cases even more. But don’t be fooled, not every 100,000-point offer is equal and most won’t stick around for very long.

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Today, I’m walking through some of the top cards that are offering bonuses of 100,000 points or more in case this is the right time for you to hit the apply button.

In This Post

Methodology

As you can see from the list below, all the cards listed here have a sign-up bonus or welcome offer of 100,000 points or more. However, not all points are worth the same amounts. 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.

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

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

Card Annual fee Sign-up bonus/welcome offer total Bonus Value* Notable Perks

Capital One Venture Rewards Credit Card

$95 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months. Up to $1,700 2x miles per dollar spent on almost everything, up to $100 every 4 years in TSA PreCheck/Global Entry application fee credits

Marriott Bonvoy Boundless Credit Card

$95 100,000 bonus points after spending $3,000 in the first three months from account opening $800 15 elite night credits annually, annual free night award worth 35k points.
Chase Ink Business Preferred Credit Card  $95 100,000 bonus points after you spend $15,000 on purchases in the first 3 months of account opening. $2,000 Free employee cards, cellphone insurance, travel protections.
Iberia Visa Signature® card $95 Up to 100,000 bonus points: Earn 50,000 bonus Avios after spending $3,000 in the first three months, earn an additional 50,000 Avios after you spend $20,000 total within the first year of account opening Up to $1,500

10% off Iberia flights booked through Iberia.com/Chase10 with your card

Earn a discount voucher of $1,000 to use toward two tickets on the same flight each year you spend $30,000 on purchases on your Iberia Visa card.

Hilton Honors American Express Aspire Card $450 (see rates & fees) 150,000 points after you spend $4,000 on purchases in the first 3 months of account opening. Terms apply. $900 Diamond status, 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. Enrollment required for select benefits. Terms apply.
Hilton Honors American Express Surpass® Card $95 (see rates & fees)

130,000 Hilton Honors Bonus Points after you spend $2,000 in eligible purchases on the card in the first 3 months of card membership. Plus, you earn an additional 50,000 points after spending a total of $10,000 in purchases on the card in the first six months. Terms apply.

up to $1,080 One free 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) 130,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases on the card in the first 3 months of card membership. 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, waived for the first year Earn 150,000 bonus points after spending $3,000 on purchases within the first three months of account opening. $750 Automatic Platinum elite status, fourth award night benefit, 20% discount on buying IHG points.
The Business Platinum Card® from American Express $595 (see rates & fees) 125,000 bonus Membership Rewards points after you spend $15,000 on eligible purchases in the first three months of account opening $2,500 Up to $200 in statement credits each year for any U.S. Dell technology purchases, access to The American Express Global Lounge Collection. Enrollment required for select benefits. Terms apply.
New United Quest Card $250 80,000 bonus United miles after $5,000 in spending in the first three months and then another 20,000 miles after a total of $10,000 in spending in the first six months of account opening. Up to $1,300 $125 annual purchase credit that you can use toward United flights, two 5,000-mile flight credits per year as a reward for redeeming miles, starting with your first cardmember anniversary

* 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.

Capital One Venture Rewards Credit Card

Sign-Up Bonus Earning rate Annual fee
Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months. 2x miles on all purchases $95

The limited-time, 100,000-mile bonus offer is tied with the best we’ve ever seen for this card. Those 100,000 Capital One miles are worth $1,700, according to TPG valuations (not provided by the issuer) now that the program has added even more hotel and airline transfer partners — and improved some transfer rates.

The Venture Rewards card lets you redeem your earned miles for recent travel purchases on your statement without having to worry about the complexities of many loyalty programs. Alternatively, you can transfer your miles to a growing list of airline and hotel programs — allowing you to diversify your portfolio of loyalty currencies and redeem with some hidden-gem programs.

Read our full review of the Capital One Venture Rewards card.

APPLY HERE: Capital One Venture Rewards Credit Card

Marriott Bonvoy Boundless Credit Card

Sign-Up Bonus Earning rate Annual fee
Earn 100,000 bonus points after spending $3,000 on purchases in the first three months from account opening 6x points on eligible Marriott purchases and 2x points on other eligible purchases $95

With an annual free night certificate valid at hotels that cost up to 35,000 points a night, the Marriott Bonvoy Boundless card can easily recoup its $95 annual fee with that annual perk. This mid-tier hotel credit card also includes Silver Elite status, which includes perks such as a 10% points bonus, late checkout and free Wi-Fi. The included annual elite night credits are also a great headstart on unlocking valuable Marriott Platinum status.

Read our full review of the Marriott Bonvoy Boundless card.

APPLY HERE: Marriott Bonvoy Boundless Credit Card

Chase Ink Business Preferred Credit Card

Sign-Up Offer Earning rate Annual fee
100,000 bonus points after you spend $15,000 on purchases in the first 3 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). $95

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 mid-tier Ink Business 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 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 which 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. The card also comes with cellphone protection, primary rental car coverage and other travel and purchase protections. Employee cards are also free.

If you don’t have a small business, another good option to consider is the Chase Sapphire Preferred Card, which is currently offering an increased sign-up bonus of 80,000 Ultimate Rewards point after $4,000 in spending in the first three months of account opening. That’s actually an all-time high bonus for that card, making it a great time to add it to your wallet.

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

APPLY HERE: Ink Business Preferred Credit Card

Iberia Visa Signature card

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UP NEXT

Sign-Up Bonus Earning rate Annual fee
Up to 100,000 bonus Avios — Earn 50,000 bonus Avios after spending $3,000 in the first three months, earn an additional 50,000 Avios after you spend $20,000 total within the first year of account opening
  • Earn 5x Avios on all British Airways, Aer Lingus and Iberia flights within the first 12 months from account opening (3x after)
  • 3x on all hotel stays booked directly within the first 12 months from account opening (2x after)
  • 1x on all 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 around the world, 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 the Avios award currency. Those Avios can be transferred between one program to another which is a nice perk if you have a preference for a particular program.

Of those 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.

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, making them a very useful currency with multiple redemption options.

Also, note that the Aer Lingus Visa Signature® Card is also offering a very similar welcome bonus of up to 100,000 Avios with the same minimum spend requirements.

APPLY HERE: Iberia Visa Signature card

Read our full review of the Iberia Visa Signature.

Hilton Honors American Express Aspire Card

Welcome bonus Earning rate Annual fee
150,000 points after you spend $4,000 on purchases in the first 3 months of account opening. Terms apply.
  • 14x points on eligible purchases at participating Hilton hotels.
  • 7x 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 on all other eligible purchases
$450 (see rates & fees)

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

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 annual airline fee statement credits, up to 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

Welcome bonus Earning rate Annual fee

Surpass: 130,000 Hilton Honors Bonus Points after you spend $2,000 in eligible purchases on the card in the first 3 months of card membership. Plus, you earn an additional 50,000 points after spending a total of $10,000 in purchases on the card in the first six months.

Business: 130,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card 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 rates & fees for the Surpass card and see rates & fees for the Business 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.

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 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

Sign-up bonus Earning rate Annual fee
Earn 150,000 bonus points after spending $3,000 on purchases within the first three months of account opening.
  • Up to 25x points total when you stay at an IHG hotel.
  • 2x at gas stations, grocery stores and restaurants.
  • 1x on everything else.
$89, waived for the first year

Right now, the IHG Premier is offering a sign-up bonus of 150,000 bonus points 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 $750. 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.

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 reward and a 20% discount when you buy points.

Read our full IHG Premier Card review.

APPLY HERE: IHG Rewards Club Premier Credit Card

The Business Platinum Card from American Express

Welcome bonus Earning rate Annual fee
Exclusive for TPG readers: 125,000 bonus Membership Rewards points after you spend $15,000 on purchases in the first three months of account opening
  • 5x points when you purchase airfare and prepaid hotel rooms with American Express Travel (including Amex Fine Hotels & Resorts)
  • Purchases of $5,000 or more earn 1.5x points per dollar, up to one million extra points per year.
$595 (see rates & fees)

The Amex Business Platinum Card is a niche card that’s perfect for the big business traveler.

Just be warned — between a high minimum spending requirement and several business-focused perks, this card certainly won’t be right for every small business, especially ones that don’t accrue major travel expenses or whose primary spending categories are more in line with the bonus categories offered by other small business cards. But, if you do spend heavily in the right categories, the card can be worth $10,000 to your bottom line.

Read our full Amex Business Platinum review.

APPLY HERE: Amex Business Platinum card

The new United Quest Card

Sign-up bonus Earning rate Annual fee
80,000 bonus United miles after $5,000 in spending in the first three months and then another 20,000 miles after a total of $10,000 in spending in the first six months of account opening.
  • 3x miles on United purchases (immediately after earning your $125 annual United purchase credit)
  • 2x miles on all other travel — including other airlines, hotels, car rentals and more
  • 2x miles on dining, including takeout and delivery
  • 2x miles on select streaming services
  • 1x on other purchases
$250

The latest card from United Airlines and Chase has rolled out — and it’s an all-new option that may strike that just-right balance between entry-level and premium for some semi-frequent United travelers.

Between a $125 annual purchase credit that you can use toward United flights and two 5,000-mile flight credit on mileage redemptions, it’s easy to offset the card’s $250 annual fee on an ongoing basis. And in the first year, those up to 100,000 bonus United miles are clearly a headlining feature of the offer.

Related: Who should (and who shouldn’t) get the United Quest card?

APPLY HERE: United Quest 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 (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 matches you with personalized 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 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 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 or hotel loyalty program.

Additional reporting by Madison Blancaflor. 

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.

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