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 are offering bonuses of at least 100,000 points or miles — in some cases, even more.
Beyond the introductory bonus, though, now can be a great time to add one of these cards to your wallet to take advantage of the valuable, ongoing perks they offer. Let’s look at the cards, the value of their welcome bonuses and then what they offer beyond this.
Related: The best time to apply for these popular travel credit cards based on offer history
Methodology
All cards listed below have welcome offers of 100,000 points or more. However, not all points are worth the same amount. That’s why TPG has designated valuations, updated monthly, for each loyalty currency. For instance, a Marriott Bonvoy point doesn’t have the same value as a Hilton Honors point.
Therefore, the “total bonus value” is the bonus points multiplied by our current TPG valuation of the currency’s worth to us. Any welcome offer or bonus statement credits are also included within this bonus value column.
With all that in mind, here’s a rundown of every offer worth 100,000 points or more — along with our take on which ones should top your list and why.
Related: The best credit card welcome bonuses currently available
Cards offering welcome bonuses of 100,000 points or more
These are sorted by the total value of the welcome offer, according to TPG’s December 2024 valuations.
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| Card | Annual fee | Welcome offer | Welcome offer value* |
|---|---|---|---|
| The Business Platinum Card® from American Express | $695 (see rates and fees) | Earn 150,000 points after spending $20,000 on eligible purchases within the first three months of card membership. | $3,000 |
| Capital One Venture X Business | $395 | Earn 150,000 miles after spending $30,000 in the first three months of account opening. | $2,775 |
| American Express® Business Gold Card | $375 (see rates and fees) | Earn 100,000 points after spending $15,000 on eligible purchases with your card in the first three months of card membership. | $2,000 |
| Aeroplan® Credit Card | $95 | Earn up to 100,000 points; 75,000 points after you spend $4,000 on purchases in the first three months your account is open, plus 25,000 points after you spend $20,000 on purchases in the first 12 months. | $1,500 |
| Marriott Bonvoy Business® American Express® Card | $125 (see rates and fees) | Earn three free night awards (up to 50,000 for each night) after spending $6,000 on eligible purchases within six months of card membership. Resort fees and terms apply. | Up to $1,275
|
| Marriott Bonvoy Boundless® Credit Card | $95 | Earn three free night awards (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. | Up to $1,275 |
| The Hilton Honors American Express Business Card | $195 (see rates and fees) | Earn 175,000 points after spending $8,000 on eligible purchases in the first six months of card membership. Offer ends Jan 8. | $1,050 |
| Hilton Honors American Express Aspire Card | $550 | Earn 175,000 points after spending $6,000 in purchases within your first six months of card membership. Offer ends Jan. 8. | $1,050 |
| Hilton Honors American Express Surpass® Card | $150 (see rates and fees) | Earn 165,000 points after spending $3,000 in purchases on the card within your first six months of card membership. Offer ends Jan. 8. | $990 |
| IHG One Rewards Premier Credit Card | $99 | Earn 140,000 bonus points after spending $3,000 in the first three months from account opening. | $700 |
| IHG One Rewards Premier Business Credit Card | $99 | Earn 140,000 bonus points after spending $3,000 in the first three months from account opening. | $700 |
| Hilton Honors American Express Card | $0 (see rates and fees) | Earn 100,000 bonus points after spending $2,000 within the first six months of card membership. Offer ends Jan. 8. | $600 |
* Bonus value is an estimated value calculated by TPG and not the card issuer.
The information for the Hilton Honors Aspire 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 Business Platinum Card from American Express
The Amex Business Platinum Card has more than $1,500 in statement credits annually, making the card an easy decision for many businesses.
- Up to $400 in annual Dell statement credits for U.S. purchases, up to $200 semiannually (enrollment is required)*
- Up to $360 in annual statement credit on Indeed hiring and recruiting products and services, up to $90 per quarter (enrollment is required)
- Up to $150 in annual statement credit on select annual purchases from Adobe, such as Adobe Creative Cloud and Acrobat Pro DC (enrollment is required)*
- Up to $120 in annual statement credits for purchases made directly from U.S. wireless telephone providers, a maximum of $10 per month (enrollment is required)
- Annual up to $199 statement credit for a Clear Plus membership (subject to auto-renewal)
- Up to $200 in annual airline fee credit on charges by the airline you select per calendar year
- Up to $120 statement credit for Global Entry or TSA PreCheck every four years (4.5 years for PreCheck)
* These two credits are slated to end on June 30, 2025.
Additionally, the card earns points at the following rates:
- 5 points per dollar when you purchase airfare and prepaid hotel rooms with American Express Travel (including Amex Fine Hotels + Resorts)
- 1.5 points per dollar on up to $2 million in eligible purchases in the U.S. per calendar year at electronics goods retailers, software and cloud service providers, construction material and hardware suppliers, and shipping providers; and all purchases of $5,000 or more
- 1 point per dollar on all other eligible purchases
The card also offers shopping and travel protections.
Between a high minimum spending requirement and several business-focused perks, this card won’t suit every small business, but it should be great for some.
For more details, see our full review of the Amex Business Platinum.
Apply here: The Business Platinum Card from American Express
Capital One Venture X Business
The Capital One Venture X Business offers strong earning potential for a lower annual fee than other premium business card offerings, and it comes with a solid 150,000-mile welcome bonus, which TPG’s December 2024 valuations place at $2,775.
This bonus does come with a substantial spending requirement, though. Cardholders must spend $30,000 in the first three months of account opening to earn the first 150,000 bonus miles. While this is steep for some, many business owners will have no problem spending this on their business cards.
In addition to the welcome bonus, the Venture X Business is similar to the Capital One Venture X Rewards Credit Card in that it offers valuable benefits for a relatively low $395 annual fee. Chief among these benefits are a $300 credit annually for travel booked through the Capital One Travel portal and complimentary access to Capital One Lounges, Priority Pass lounges, and Plaza Premium lounges for themselves and up to two guests. Plus, it earns at least 2 miles per dollar on all purchases.
For additional information, check out our full review of the Venture X Business.
Learn More: Capital One Venture X Business
American Express Business Gold Card
The Amex Business Gold is currently offering new applicants the chance to earn 100,000 points after spending $15,000 in eligible purchases in the first three months of card membership, which improves upon the card’s typical offer and is close to its best-ever bonus.
With this card, you’ll 4 points per dollar on purchases within your top two eligible categories on the first $150,000 in combined purchases from these categories each calendar year, then 1 point per dollar thereafter. These categories include U.S. media providers for advertising online, TV or radio, electronic goods retailers and software and cloud system providers, restaurants (including takeout and delivery), gas stations, transit and monthly wireless telephone service charges made directly with the provider.
You’ll also earn 3 points per dollar on flights and pre-paid hotels booked with American Express Travel and 1 point per dollar on all other eligible purchases, making this card a solid option for everyday business purchases on top of the lucrative welcome bonus.
For more information, check out our full review of the Amex Business Gold Card.
Apply here: American Express Business Gold Card
Chase Aeroplan Credit Card
While the Chase Aeroplan Credit Card has a high spending requirement to earn the full 100,000-point bonus, this bonus is exceptionally lucrative — worth $1,500 according to TPG’s December 2024 valuations.
On top of the high-value welcome bonus, you’ll earn 3 points per dollar at grocery stores, on dining at restaurants (including takeout and eligible delivery services) and on purchases made directly with Air Canada. You’ll also earn 500 bonus points for every $2,000 you spend in a calendar month (up to 1,500 points per month). These are decent earning rates for points that you can use with Air Canada or transfer to one of more than 50 partner airlines.
Plus, you’ll earn complimentary elite status for two calendar years and a free checked bag for you and up to eight guests.
For more details, see our full review of the Aeroplan Credit Card.
Apply here: Aeroplan Credit Card
Marriott Bonvoy credit cards
Two Marriott Bonvoy cards are currently offering elevated welcome bonuses that can be valued at or above 100,000 points — when you consider the value of free night certificates.
The Marriott Bonvoy Business and Marriott Bonvoy Boundless are each offering three free nights, valued at 50,000 Marriott Bonvoy points per night.
However, you have to spend $6,000 within six months to earn the welcome bonus on the Marriott Bonvoy Business, and you’ll have three months to spend $3,000 to earn the offer on the Marriott Bonvoy Boundless.
Check the Bonvoy bonus eligibility requirements before applying for any of these cards. Plus, read up on our full review of the Marriott Bonvoy Business American Express Card and our full review of the Marriott Bonvoy Boundless Credit Card.
To find out more, check out these current offers on Marriott Bonvoy cards.
Apply here: Marriott Bonvoy Business American Express Card
Apply here: Marriott Bonvoy Boundless Credit Card
Hilton Honors credit cards
If you’re a Hilton Honors loyalist, it is a good time to apply for a cobranded card. Four are currently offering heightened welcome offers, all at or above 100,000 Hilton Honors points.
Currently, the Hilton Honors Business Amex and the Hilton Honors Aspire are offering 175,000 bonus points, the Hilton Honors Surpass is offering 165,000 bonus points and the Hilton Honors Amex is offering 100,000 bonus points.
If you’re considering adding one of these cards to your wallet, now could be a great time to take advantage of one of these elevated offers.
To learn more, check out our full analysis of the current Hilton card welcome offers.
The information for the Hilton Honors Aspire 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.
Apply here: The Hilton Honors American Express Business Card
Learn more: Hilton Honors American Express Aspire Card full review
Apply here: Hilton Honors American Express Surpass Card
Apply here: Hilton Honors American Express Card
IHG One Rewards credit cards
Right now, both the IHG One Rewards Premier and the IHG One Rewards Premier Business are offering a welcome bonus of 140,000 bonus points after spending $3,000 on purchases within the first three months of account opening.
TPG’s December 2024 valuations deem IHG points as worth 0.5 cents each, meaning these bonuses are worth up to $700. While it’s not as valuable as others on this list, you could still get quite a few award nights if you strategize smartly.
The cards also have similar perks. With automatic Platinum elite status, you’ll get a 60% bonus on the base 10 points per dollar you get as an IHG One Rewards member. The cards also confer additional benefits, including an annual award night worth up to 40,000 points and a fourth night free on award stays. Cardholders can also get up to $120 in statement credits toward a Global Entry, Nexus or TSA PreCheck application fee paid for with their card once every four years.
The main difference involves earning on the IHG Business card, including the additional bonus category of 5 points per dollar on social media, search engine advertising, and at office supply stores.
For more details, read our full IHG Premier Card review and IHG One Premier Business Card review.
Apply here: IHG One Rewards Premier Credit Card
Apply here: IHG One Rewards Premier Business Credit Card
Bonus: Use the CardMatch tool to find even better offers
As noted above, this list doesn’t include all 100,000-point bonuses. And if you’re lucky, you might find yourself targeted for a welcome offer of up to 150,000 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. It matches you with personalized card offers for which you might be eligible — without a hard inquiry on your credit report. These offers can be higher — sometimes much higher — than those available through other public channels.
Related: How can I get a higher, targeted credit card introductory bonus?
Bottom line
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.
Related: How to choose your best credit card strategy
For rates and fees of the Amex Business Platinum Card, click here.
For rates and fees of the Amex Business Gold Card, click here.
For rates and fees of the Marriott Bonvoy Business card, click here.
For rates and fees of the Hilton Business Card, click here.
For rates and fees of the Hilton Surpass Card, click here.
For rates and fees of the Hilton Amex, click here.
