Our top picks of timely offers from our partners

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Blue Cash Preferred® Card
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Terms Apply
$150 offer and, in the first 6 months, 20% back at Amazon.com, up to $200 back
One of the longest intro APR periods of any card plus, cell phone and fraud protection
Chase Freedom Unlimited®
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Terms Apply
$200 bonus offer, no annual fee, and earn cash back for every purchase
$200 cash rewards bonus offer and unlimited 2% cash rewards on purchases
The Platinum Card® from American Express
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Terms Apply
Earn 100K points plus, access to valuable travel benefits
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Credit Cards

6 credit cards with welcome bonus offers of 100,000 points or more

Select analyzed the most popular credit cards available in the U.S. that are open to anyone and offer welcome bonuses over 100,000, so you can maximize rewards.

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Many of the best rewards credit cards offer lucrative welcome bonuses that can help new card holders maximize rewards within the first few months after opening an account, but only a select few have 100,000-point bonus offers.

It can be a good idea to open a rewards card with a generous welcome bonus if you plan on making a large purchase, such as furnishing a home or booking a vacation. The amount you spend on big-ticket items can help you meet minimum spending requirements that range upwards of $2,000. After you earn a bonus, you can redeem the rewards to offset past expenses, book future travel and more.

Travel cards typically offer the biggest welcome bonus, especially co-branded cards that are in partnership with an airline or hotel chain. These cards can prove beneficial for loyal consumers but make sure to review the annual fee to see if the card is worth the cost. After all, a bonus offer is one time, so you shouldn’t open a card that’s too costly just for the bonus. You should also avoid overspending just to earn a bonus and risk carrying a balance, since the interest charges will outweigh any rewards you earn.

Select breaks down how you can earn the 100,000-plus point bonus offers from these credit cards.

Credit cards with welcome bonuses of 100,000 points or more

Chase Sapphire Preferred® Card

On Chase's secure site
  • Rewards

    $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining, 2X points on all other travel purchases, 5X points on Lyft rides through March 2022, and 1X points on all other purchases

  • Welcome bonus

    Earn 100,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening

  • Annual fee

    $95

  • Intro APR

    None

  • Regular APR

    15.99% to 22.99% variable on purchases and balance transfers

  • Balance transfer fee

    Either $5 or 5% of the amount of each transfer, whichever is greater

  • Foreign transaction fee

    None

  • Credit needed

    Excellent/Good

Terms apply.

 

Who's eligible: The new 100,000-point bonus offer is only available to you if you don't currently have any Sapphire card (Preferred or Reserve) and haven't received a new card member bonus for any Sapphire card in the past 48 months.

How to earn the bonus: Spend $4,000 in purchases within your first three months of card membership to earn 100,000 Chase Ultimate Rewards bonus points.

How to redeem rewards: Points can be redeemed for travel through Chase Ultimate Rewards®, where they are worth 25% more with the Chase Sapphire Preferred. So the 100,000 bonus would be worth $1,250 toward airfare, hotels, car rentals and more. You can also redeem for gift cards and transfer points on a 1:1 rate to leading frequent travel programs, such as United, JetBlue and Hyatt. Finally, you can redeem points for eligible grocery, dining and home improvement store purchases with Chase's Pay Yourself back tool for 25% more through Sept. 30, 2021. With 100,000 points, you can effectively erase up to $1,250 of eligible purchases from your statement.

Hilton Honors American Express Aspire Card

Information about the Hilton Honors American Express Aspire Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    14X points per dollar for eligible purchases on your card made directly with a participating hotel or resort within the Hilton portfolio; 7X points for eligible purchases on flights booked directly with airlines or amextravel.com, on car rentals booked directly from select car rental companies, and at U.S. restaurants; 3X points for all other eligible purchases

  • Welcome bonus

    150,000 Hilton Honors bonus points after you spend $4,000 in purchases within your first 3 months of card membership

  • Annual fee

    $450

  • Intro APR

    None

  • Regular APR

    15.74% to 24.74% variable

  • Balance transfer fee

    N/A

  • Foreign transaction fee

    None

  • Credit needed

    Excellent/Good

See rates and fees, terms apply.

Who's eligible: If you've never had the Hilton Honors American Express Aspire Card, you may qualify for this offer. Current or previous card holders are ineligible. Amex also states that it may also consider the number of American Express cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility.

How to earn the bonus: Spend $4,000 in purchases within your first three months of card membership to earn 150,000 Hilton Honors bonus points.

How to redeem rewards: Points can be redeemed for travel, gift cards, donations and more.

Hilton Honors American Express Surpass® Card

Information about the Hilton Honors American Express Surpass® Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    12X points per dollar for eligible purchases on your card made directly with a participating hotel or resort within the Hilton portfolio; 6X points for eligible purchases at U.S. restaurants, U.S. supermarkets and U.S. gas stations; 3X points for other eligible purchases

  • Welcome bonus

    Earn 130,000 Hilton Honors bonus points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of card membership. Plus, you can earn an additional 50,000 Hilton Honors bonus points after you spend a total of $10,000 in purchases on the card in the first 6 months.

  • Annual fee

    $95

  • Intro APR

    None

  • Regular APR

    15.74% to 24.74% variable

  • Balance transfer fee

    N/A

  • Foreign transaction fee

    None

  • Credit needed

    Excellent/Good

See rates and fees, terms apply.

Who's eligible: If you've never had the Hilton Honors American Express Surpass® Card or the Hilton Honors Ascend® Card, you may qualify for this offer. Current or previous card holders are ineligible. Amex also states that it may also consider the number of American Express cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility.

How to earn the bonus: Spend $2,000 in eligible purchases within your first three months of card membership to earn 130,000 Hilton Honors bonus points. Plus, you can earn an additional 50,000 Hilton Honors bonus points after you spend a total of $10,000 in purchases on the card in the first six months.

How to redeem rewards: Points can be redeemed for travel, gift cards, donations and more.

The Hilton Honors American Express Business Card

On the American Express secure site
  • Rewards

    12X points per dollar for eligible purchases on your card made directly with a participating hotel or resort within the Hilton portfolio; 6X points for select business and travel purchases; 3X points for other eligible purchases

  • Welcome bonus

    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 an additional 50,000 Hilton Honors bonus points after you spend a total of $10,000 in purchases on the card in the first 6 months.

  • Annual fee

    $95

  • Intro APR

    None

  • Regular APR

    15.74% to 24.74% variable

  • Balance transfer fee

    N/A

  • Foreign transaction fee

    None

  • Credit needed

    Excellent/Good

See rates and fees, terms apply.

Who's eligible: If you've never had the Hilton Honors American Express Business Card, you may qualify for this offer. Current or previous card holders are ineligible. Amex also states that it may also consider the number of American Express cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. 

How to earn the bonus: Spend $2,000 in eligible purchases within your first three months of card membership to earn 130,000 Hilton Honors bonus points. Plus, you can earn an additional 50,000 Hilton Honors bonus points after you spend a total of $10,000 in purchases on the card in the first six months.

How to redeem rewards: Points can be redeemed for travel, gift cards, donations and more.

Ink Business Preferred® Credit Card

On Chase's secure site
  • Rewards

    Earn 3X points per $1 on the first $150,000 spent in combined purchases in select categories each account anniversary year (travel; shipping purchases; internet, cable and phone services; and advertising purchases with social media sites and search engines), 1X point per $1 on all other purchases

  • Welcome bonus

    Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening

  • Annual fee

    $95

  • Intro APR

    None

  • Regular APR

    15.99% to 20.99% variable

  • Balance transfer fee

    Either $5 or 5% of the amount of each transfer, whichever is greater

  • Foreign transaction fee

    None

  • Credit needed

    Good/Excellent

Terms apply.

Who's eligible: Chase doesn't state that there are specific exclusions on who can qualify for the Ink Business Preferred® Credit Card bonus. If you never had the card, you'll likely qualify. But if you previously had the card, check your eligibility with a Chase representative.

How to earn the bonus: Spend $15,000 on purchases in the first three months from account opening to earn 100,000 bonus points.

How to redeem rewards: Points can be redeemed for travel through Chase Ultimate Rewards®, where they are worth 25% more. So the 100,000 bonus would be worth $1,250 toward airfare or hotels. You can also redeem for gift cards and transfer points on a 1:1 rate to leading frequent travel programs, such as JetBlue and Hyatt.

IHG® Rewards Club Premier Credit Card

On Chase's secure site
  • Rewards

    Up to 25X points total per dollar at IHG® (earn 10X points per $1 spent at IHG® hotels as a cardholder, plus 10X base points as an IHG® Rewards Club member and 5X points with Platinum Elite Status, which comes as a benefit of this card); 2X points per $1 spent on purchases at gas stations, grocery stores and restaurants; 1X point per $1 spent on all other purchases

  • Welcome bonus

    Earn 150,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening

  • Annual fee

    $0 for the first year, then $89 after that

  • Intro APR

    None

  • Regular APR

    15.99% to 22.99% variable

  • Balance transfer fee

    Either $5 or 5% of the amount of each transfer, whichever is greater

  • Foreign transaction fee

    None

  • Credit needed

    Excellent/Good

Terms apply.

 

Who's eligible: If you've never had the IHG® Rewards Club Premier Credit Card, you may qualify for this offer. Current card members (regardless of whether you earned the bonus) or previous card members who received a new card member bonus for this card in the past 24 months aren't eligible.

How to earn the bonus: Spend $3,000 on purchases in the first three months from account opening to earn 150,000 bonus points plus a Reward Night.

How to redeem rewards: You can redeem points for travel, merchandise, gift cards and more.

Our methodology

To determine which credit cards offer the best value, Select analyzed popular credit cards available in the U.S. We compared each card on a range of features, including rewards, welcome bonus, introductory and standard APR, balance transfer fee and foreign transaction fees, as well as factors such as required credit and customer reviews when available. We also considered additional perks, the application process and how easy it is for the consumer to redeem points.

Select teamed up with location intelligence firm Esri. The company's data development team provided the most up-to-date and comprehensive consumer spending data based on the 2019 Consumer Expenditure Surveys from the Bureau of Labor Statistics. You can read more about their methodology here.

Esri's data team created a sample annual budget of approximately $22,126 in retail spending. The budget includes six main categories: groceries ($5,174), gas ($2,218), dining out ($3,675), travel ($2,244), utilities ($4,862) and general purchases ($3,953). General purchases include items such as housekeeping supplies, clothing, personal care products, prescription drugs and vitamins, and other vehicle expenses.

Select used this budget to estimate how much the average consumer would save over the course of a year, two years and five years, assuming they would attempt to maximize their rewards potential by earning all welcome bonuses offered and using the card for all applicable purchases. All rewards total estimations are net the annual fee.

While the five-year estimates we've included are derived from a budget similar to the average American's spending, you may earn a higher or lower return depending on your shopping habits.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.