The best rewards credit cards offering sign-up bonuses of 100,000 points or more
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Best credit card welcome bonus offers of 100,000 points or more
If you want to boost your balance of rewards points or frequent flyer miles, earning a credit card's welcome bonus is your best bet. These welcome offers, which typically require meeting a minimum spending requirement in a specific time frame, can get you thousands of reward points.
Now is a great time to pick up a new card, because there are a few fantastic offers available, including some that hit — and even pass — the 100,000-point mark. While points and miles programs each have their pros and cons, each of these 100,000-plus points bonuses is a fantastic value.
Our analysis of these credit card welcome offers includes the total potential value you can get if you earn each full welcome bonus (that means hitting all tiers for offers that include multiple spending thresholds), using the average point value from Insider's points and miles valuations.
Keep in mind that transferable credit card points — like Chase Ultimate Rewards, Amex Membership Rewards, Citi ThankYou Rewards, and Capital One miles — are generally more valuable than hotel points or airline miles. That's because you have more high-value options for using them, including transferring rewards to multiple travel programs.
The Platinum Card® from American Express
American Express Membership Rewards points are worth, on average, 1.8 cents each based on Insider's valuations. So you can expect to get around $1,800 in value from this bonus when you transfer points to Amex's airline and hotel partners.
You can receive hundreds of dollars in value from perks like up to $200 in Uber (including Uber Eats) credits** per year and up to $100 in annual Saks Fifth Avenue credits**. The Platinum Card also comes with excellent shopping and purchase benefits, including return protection, extended warranty, and targeted discounts and bonuses through Amex Offers**.
Read more about the Amex Platinum:
- Amex Platinum card review
- Don't let the Amex Platinum's new 'lifestyle' benefits distract you from its true value — here's what the card is worth to the average person
- Amex Platinum versus the Amex Business Platinum: Which premium card is right for you?
The Business Platinum Card® from American Express
Small-business owners should also consider
Based on Insider's valuation of Amex points at 1.8 cents each, you can expect to get around $2,160 in value from this bonus if you transfer points to Amex's airline and hotel partners.
Read more about the Amex Business Platinum:
- Amex Business Platinum card review
- Amex Business Platinum versus Amex Business Gold: How to decide which small-business card is best for you
- The Amex Business Platinum card's annual fee is about to jump — here's why you should apply before the end of the year
Ink Business Preferred® Credit Card
Based on Insider's valuations, the
Spending $15,000 in three months won't be doable for everyone, but remember: This is a small-business credit card. That means it's meant for companies and sole proprietors that can rack up significant work expenses each month.
Read more about the Ink Business Preferred card:
- Ink Business Preferred card review
- 7 signs you're better off with the Ink Business Preferred and not the Chase Sapphire Reserve card
- 3 reasons why the Ink Business Preferred Card has been a game-changer for my rewards strategy
Capital One Venture X Rewards Credit Card
The brand-new
If you redeem Capital One miles directly toward travel purchases made on your card, you'll get a value of 1 cent per mile, making this bonus worth a cool $1,000 in travel. However, Capital One also allows transfers to over a dozen airline and hotel partners that can get you even more value.
Based on Insider's points and miles valuations, Capital One miles are worth an average of 1.7 cents apiece, so you can expect to get around $1,700 in travel from this bonus.
Read more about the Capital One Venture X card:
- Capital One Venture X Rewards credit card review: A new premium card with a 100,000-mile bonus and valuable benefits like travel credits and airport lounge access
- Capital One Venture X vs Chase Sapphire Reserve: Which premium rewards credit card is best for you?
- Capital One Venture X vs Amex Platinum: Which premium travel rewards card is best for you?
Hilton Honors American Express Card
The no-annual-fee
Insider's points and miles valuations peg Hilton points as worth, on average, 0.5 cents apiece. If you unlock the full bonus on this card, you can expect to get around $650 worth of stays.
Read more about the Hilton Honors American Express card:
- Hilton Honors American Express card review
- The best credit cards for Hilton travelers
- How to earn, redeem, and maximize Hilton Honors points
Hilton Honors American Express Surpass® Card
The
If you earn the full bonus, you can expect to get around $900 worth of Hilton stays, based on Insider's points and miles valuations.
Read more about the Hilton Honors Surpass American Express card:
- Hilton Honors Surpass American Express card review
- Plenty of credit cards offer elite loyalty status, but only Hilton has cards that provide one of my favorite hotel perks: Complimentary breakfast
- The Hilton Honors Surpass credit card offers 2 perks that make it a powerful card for the price
Hilton Honors American Express Aspire Card
In addition to offering several annual statement credits and top-tier Hilton Diamond elite status, the
This is a great card if you stay with Hilton a lot because of all the benefits it offers, and the bonus is worth around $750 in stays based on Insider's valuations.
Read more about the Hilton Aspire card:
- Hilton Honors Aspire card review
- The Hilton Aspire card saved me more than $400 on food, checked bags, and oceanfront cabanas on my birthday trip to Aruba
- Hilton's high-end Aspire card includes an annual benefit that can reimburse up to $250 in expenses at resorts. Here's how it works
The Hilton Honors American Express Business Card
The welcome offer on the
It's possible to get around $900 in Hilton stays from this offer, based on Insider's valuations.
Read more about the Amex Hilton Honors Business card:
- Hilton Honors Business card review
- I just opened the Hilton Honors American Express Business card, and it will single-handedly give me a luxury $8,000 Maldives resort stay
- Plenty of credit cards offer elite loyalty status, but only Hilton has cards that provide one of my favorite hotel perks: complimentary breakfast
IHG® Rewards Club Premier Credit Card
The
You can expect to get around $875 in hotel stays from this offer, not including the value of the free night certificate. IHG points are worth, on average, 0.7 cents apiece based on Insider's points and miles valuations — but the exact value you'll get depends on how and where you redeem your points.
Read more about the IHG Rewards Club Premier card:
- IHG Rewards Club Premier card review
- How to earn, redeem, and maximize IHG points
- The best ways to use an IHG Rewards free night certificate — from resort villas to swanky international hotels
- The Chase IHG Rewards Premier and Traveler cards are getting a major makeover, and there's a new IHG small-business card joining the family
United℠ Business Card
The
Based on Insider's valuation of United miles at 1.3 cents each, you can expect to get at least $1,950 in airfare from this offer.
Read more about the United Business card:
- United Business Card review
- The best credit cards for United Airlines flyers of 2022
- The United Business Card is offering up to 150,000 miles for a limited time, and it's a great pick for small-business owners who want elite-like perks for a reasonable annual fee
British Airways Visa Signature® Card
The
In addition, if you spend $30,000 or more in a calendar year, you'll receive a Travel Together Ticket, which gets you a second seat for a companion when you book a British Airways award flight originating in and returning to the US.
Read more about the British Airways Visa Signature card:
- British Airways Visa Signature card review
- How to use the British Airways website to book award flights with Avios points
- How to earn, redeem, and maximize British Airways Avios points
Iberia Visa Signature® Card
The
Instead of a Travel Together Ticket,
Read more about the Iberia Visa Signature card:
- Iberia Visa Signature card review
- The Chase British Airways, Iberia, and Aer Lingus cards are now offering a whopping 100,000 Avios points — and they're not just good for flights to Europe
- How to transfer Avios between your British Airways, Iberia, and Aer Lingus accounts
Aer Lingus Visa Signature® Card
New
You'll receive a Companion Ticket after you spend $30,000 or more in a calendar year, but it's only valid between the US and Ireland, on round-trip award flights originating in and returning to the US. However, your companion will fly completely free — there are no taxes, fees, or surcharges added to the second ticket.
Read more about the Aer Lingus Visa Signature card:
- Aer Lingus Visa Signature card review
- The best ways to use 100,000 British Airways, Iberia, or Aer Lingus Avios points