Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
Most of the best rewards credit cards offer lucrative welcome bonuses, but only a few have 100,000-point bonus offers.
Travel credit cards typically offer the biggest welcome bonus, especially airline and hotel co-branded cards. However, it's important to carefully consider the value of the rewards, as flexible travel programs typically offer more valuable rewards than airline and hotel loyalty programs.
Below, we highlight a handful of the top 100,000-plus point bonus offers, some of which may only be available for a limited-time.
Credit cards with welcome bonuses of 100,000 points or more
- The Business Platinum Card® from American Express
- Chase Sapphire Reserve® (see rates and fees)
- Chase Sapphire Reserve for BusinessSM (see rates and fees)
- Capital One Venture Business
- Hilton Honors American Express Surpass® Card
- The Hilton Honors American Express Business Card
- Hilton Honors American Express Aspire Card
- Avianca LifeMiles American Express® Elite Card
The Business Platinum Card from American Express
Welcome bonus value: You may be eligible for as high as 300,000 Membership Rewards® Points, which can be redeemed for $3,000 in flights booked through Amex Travel (and potentially worth much more).*
How to earn the bonus: Spend $20,000 in eligible purchases on the card within the first three months of card membership.
Who's eligible: If you've never had The Business Platinum Card® from American Express, you may qualify for this offer. Current or former cardholders are likely ineligible. Amex also states it may consider the number of American Express cards you've opened and closed, as well as other factors, when deciding your welcome offer eligibility. Terms Apply.
The Business Platinum Card from American Express is a premium business card loaded with statement credit offers for business services and travel that help justify its steep annual fee.
- Access to 1,550 airport lounges, including Priority Pass (Enrollment required) and Amex Centurion lounges
- Hotel and rental car elite status perks
- Earns flexible rewards you can transfer to 20+ airline and hotel loyalty programs (Enrollment required for select benefits mentioned; Benefits may be subject to auto-renewal)
- High annual fee
- Limited bonus spending categories
- Some statement credit offers are earned in small increments or only apply to purchases from a single brand
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That's up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That's up to $120 back per year. Enrollment required.
- 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- Terms Apply.
- See Rates & Fees
Chase Sapphire Reserve
Welcome bonus value: You can earn 150,000 points, which is worth at least $1,500 when redeemed for statement credits or cash back.
How to earn the bonus: Spend $6,000 on purchases in the first three months from account opening.
Who's eligible: If you've never had the Chase Sapphire Reserve and you don't currently have any other version of the personal Sapphire card, you may qualify for this offer. This card is also likely subject to the unofficial Chase 5/24 rule.
The Chase Sapphire Reserve® is a standout premium credit card with plenty of luxury perks and statement credits to justify its annual fee.
- Access over 1,300 airport lounges worldwide with a complimentary Priority PassTM Select membership, plus every Chase Sapphire Lounge® by The Club with two guests.
- Up to $300 in annual travel credit each account anniversary year
- You can transfer rewards to all of Chase's travel partners including World of Hyatt, Southwest Rapid Rewards and many more
- Top-tier travel and shopping protections
- High annual fee
- Requires a high credit score
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get $3,000 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase TravelSM, including The EditSM and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority PassTM Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $288 annually
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
Chase Sapphire Reserve for Business
Welcome bonus value: You can earn 150,000 points, which is worth at least $1,500 when redeemed for statement credits or cash back.
How to earn the bonus: Spend at least $20,000 on purchases in the first three months from account opening.
Who's eligible: This welcome offer may not be available to you if you've previously owned the Sapphire Reserve for Business. You'll also likely need to be under Chase's 5/24 rule in order to get approved for this card.
The Chase Sapphire Reserve for Business brings over $3,000 in value to business owners who value travel and premium experiences
- $400 in annual statement credits on purchases made directly with ZipRecruiter.
- $300 annual travel credit each anniversary year
- $120 Global Entry, TSA Precheck or Nexus fee credit every four years
- Access to 1,300+ airport lounges worldwide with your complimentary Priority PassTM Select membership, including Sapphire Lounge by The Club locations with two complimentary guests
- Can transfer rewards to all of Chase’s 14 travel partners
- IHG One Rewards Platinum Elite status through 12/31/27
- Comprehensive suite of travel and purchase protections
- High annual fee
- Significant value tied to statement credits
- Requires a high credit score
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
- $6,000+ in value your first year. 150K points, valued at $3,000 for select flights and hotels through Chase TravelSM, plus $3,000+ in annual value through travel and business benefits.
- Earn 8x points on Chase TravelSM for airline tickets, hotels, including The EditSM, car rentals, cruises, activities and tours.
- Earn 5x total points on Lyft rides through 9/30/27.
- Earn 4x points on flights & hotels booked direct.
- Earn 3x points on social media & search engine advertising.
- Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
- Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority PassTM Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
- Member FDIC
Capital One Venture Business
Welcome bonus value: Earn up to 150,000 bonus Capital One miles worth at least $1,500 in travel. You earn this bonus in 75,000-mile increments.
How to earn the bonus: Spend $7,500 in purchases in the first three months of account opening to earn the first 75,000 miles and spend $30,000 in purchases in the first six months from account opening to earn the second 75,000 miles.
Who's eligible: To qualify for the Capital One Venture Business, you'll need an excellent credit score. If you're uncertain about whether you'll qualify, you can use Capital One's preapproval feature to see if you may be eligible for this card. While a preapproval doesn't guarantee approval, if you're not preapproved, it's unlikely you'll qualify for the card. Getting preapproved can help you avoid an unnecessary hard credit pull.
The Capital Venture Business has a simple and lucrative rewards program because you earn at least 2X miles on every purchase and you can transfer those miles to travel partners.
- Earns flexible travel rewards you can transfer to airline and hotel loyalty programs such as Air Canada Aeroplan, Choice Privileges and Emirates Skywards
- Application fee credit for Global Entry or TSA PreCheck
- Up to $100 in annual credits
- Has an annual fee
- High spending requirement to earn the full welcome bonus
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Limited-time offer: Earn up to 150,000 bonus miles—75,000 miles once you spend $7,500 in the first 3 months, and an additional 75,000 miles once you spend $30,000 in the first 6 months
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck® every four years. Terms and conditions apply
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- $95 annual fee
- Free employee cards which also earn unlimited 2X miles from their purchases
- Top rated mobile app
Hilton Honors Surpass Card
Welcome bonus value: Enjoy a $0 intro annual fee for the first year, then $150 (see rates and fees) and earn 130,000 Bonus Points. Offer ends 7/29/26. If you value Hilton points at 0.5 cents per point, the bonus could be worth $650.
How to earn the bonus: Spend $3,000 in purchases on the card in the first six months of card membership.
Who's eligible: You may qualify for this offer if you've never owned the Hilton Honors American Express Surpass® Card or the Hilton Honors Ascend® Card. Current or previous cardholders are usually ineligible. Amex states it may also consider the number of American Express cards you've opened and closed, as well as other factors, when deciding your eligibility for a welcome offer.
The Hilton Honors American Express Surpass® Card is a solid mid-tier hotel card that offers with statement credits that can easily offset its annual fee.
- Up to $50 in Hilton credit each quarter
- Complimentary Hilton Honors™ Gold Status
- High rewards rate for Hilton purchases
- High spending threshold to earn a Free Night Reward
- Hilton credit is earned in quarterly increments
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Enjoy a $0 intro annual fee for the first year, then $150 and earn 130,000 Bonus Points after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 7/29/26.
- Enjoy complimentary Hilton Honors™ Gold status with your Card. Plus, spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year.
- Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That's up to $200 in statement credits annually.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
- Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
- Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 4X Points for each dollar on U.S. Online Retail Purchases.
- Earn 3X Points for all other eligible purchases on your Card.
- As a Hilton Honors American Express Surpass® Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you're enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- Whenever you travel more than 100 miles from home, Global Assist® Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
- Points don't expire while your Hilton Honors American Express Surpass® Card is active and in good standing.
- $0 introductory annual fee for the first year, then $150.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees
Hilton Honors Business Card
Welcome bonus value: Limited Time Offer: Earn 130,000 Hilton Honors Bonus Points. This could be worth $650 if you value Hilton points at 0.5 cents each.
How to earn the bonus: Spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of card membership. Offer ends 7/29/2026. Plus, enjoy a $0 Intro Annual Fee for the First Year, then $195 (see rates and fees).
Who's eligible: If you've never had the Hilton Honors American Express Business Card, you may qualify for this offer. Current or previous cardholders are usually ineligible. Amex also states it may consider the number of American Express cards you've opened and closed, as well as other factors, when deciding on your welcome offer eligibility.
The Hilton Honors American Express Business Card's generous rewards and benefits can help business owners save money on hotel expenses.
- Earn up to $240 in Hilton credit every year
- Complimentary Hilton Honors™ Gold Status
- Complimentary status with National Car Rental
- High annual fee after the first year
- Lacks important travel insurance, such as travel accident, trip delay and trip interruption/cancellation coverages
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Limited Time Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Card within your first 6 months of card Membership. Offer ends 7/29/2026.
- Enjoy a $0 introductory annual fee for the first year, then $195.
- Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors™ Gold Status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay.
- Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X Points thereafter.
- You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the next calendar year if the total eligible purchases that you spend on your Card Account during a calendar year reach $40,000 or more.
- Terms apply.
- See Rates & Fees
Hilton Honors Aspire Card
Welcome bonus value: Earn 175,000 Hilton Honors Bonus Points. If you value Hilton points at 0.5 cents each, this bonus could be worth $875. Offer ends 7/29/26.
How to earn the bonus: Spend $6,000 in purchases on the Card within the first 6 months of Card Membership.
Who's eligible: If you've never had the Hilton Honors American Express Aspire Card, you may qualify for this offer. Current or previous cardholders are usually ineligible. Amex states that it may also consider the number of American Express cards you have opened and closed, as well as other factors, when deciding on your welcome offer eligibility.
The Hilton Honors American Express Aspire Card grants you complimentary Hilton Honors™ Diamond Status and a Free Night Reward every year.
- Earn up to $889 in statement credits every year
- Complimentary Hilton Honors™ Diamond Status
- Free Night Reward every year
- High annual fee
- Additional Free Night Rewards have high spending requirements
- Some credits are only earned quarterly or semi-annually, which makes them more complicated to fully maximize
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 175,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Card within the first 6 months of Card Membership. Offer ends 7/29/26.
- Enjoy an Annual Free Night Reward from Hilton Honors in your first year of Card Membership and every year upon Card renewal.
- Card Members can earn 14X Points on purchases made directly with hotels and resorts within the Hilton portfolio.
- Card Members can earn 7X Points on purchases of Flights booked directly with airlines or flights booked through American Express Travel, Car rentals purchased directly from select car rental companies, and purchases at U.S. Restaurants.
- Card Members can earn 3X Points on all other eligible purchases.
- $400 Hilton Resort Credit: Get up to $200 in statement credits semi-annually for eligible purchases made directly with participating Hilton Resorts on your Hilton Honors Aspire Card. That's up to $400 back annually.
- $200 Flight Credit: Get up to $50 in statement credits each quarter, for a total of up to $200 back each year, on flight purchases made directly with airlines or via AmexTravel.com or the Amex Travel App™ using your Hilton Honors American Express Aspire Card.
- CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. Receive up to $209 per calendar year in statement credits, when you pay for a CLEAR+ Membership (subject to auto-renewal) with the Hilton Honors American Express Aspire Card.
- Earn a Free Night Reward from Hilton after you spend $30,000 in purchases on your Card in a calendar year. Plus, you can earn an additional Free Night Reward from Hilton after you spend an additional $30,000 (for a total of $60,000) in purchases on your Card in the same calendar year.
- $100 Property Credit: Receive up to a $100 credit for qualifying charges at Waldorf Astoria® Hotels & Resorts and Conrad® Hotels & Resorts properties when you book a 2 night minimum stay with your Card at HiltonHonorsAspireCard.com and select the Aspire Card Benefit rate option on the booking page, or call Hilton Honors at 855-292-5757 with the proper booking reference.
- Hilton Honors Aspire Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
- Whenever you travel more than 100 miles from home, Premium Global Assist® Hotline§ is available for 24/7 emergency assistance and coordination services, including medical, legal, and financial referrals. Emergency medical transportation assistance may be provided at no cost only if approved and coordinated by Premium Global Assist Hotline. Card Members may be responsible for the costs charged by third-party service providers.
- Points don't expire while your Hilton Honors American Express Card is active and in good standing.
- $550 annual fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees
Avianca LifeMiles American Express Elite Card
Welcome bonus value: Earn up to 100,000 miles. Avianca LifeMiles are typically valued by experts at 1.4 cents each. That makes this bonus offer worth around $1,400.
How to earn the bonus: You'll earn the Avianca LifeMiles American Express Elite Card's bonus in two steps: Earn 60,000 LifeMiles after spending $4,500 on purchases in the first 90 days from account opening, and an additional 40,000 LifeMiles after spending $25,000 on purchases in the first 12 months from account opening.
Who's eligible: You are not eligible for this card if you currently have any Avianca LifeMiles American Express card or previously earned a new card member bonus from any Avianca LifeMiles American Express card.
The Avianca LifeMiles American Express® Elite Card earns miles you can use to book award flights at favorable prices, including with partner airlines such as United Airlines, Lufthansa and Air Canada.
- 25% discount on Avianca flights
- 10% miles rebate on Star Alliance awards
- Automatic elite status
- High spending requirement to earn the full welcome bonus
- High annual fee
Credit card 100k welcome bonuses comparison
| Type of bonus | Annual fee | Credit score requirement | |
|---|---|---|---|
| The Business Platinum Card® from American Express | Flexible travel rewards | 895* | Good to excellent |
| Chase Sapphire Reserve® | Flexible travel rewards | $795 | Excellent |
| Chase Sapphire Reserve for Business℠ | Flexible travel rewards | $795 | Good to excellent |
| Capital One Venture Business | Flexible travel rewards | $95 | Excellent |
| Hilton Honors American Express Surpass® Card | Hotel points | $150* | Good to excellent |
| The Hilton Honors American Express Business Card | Hotel points | $0 intro annual fee for the first year, then $195* | Good to excellent |
| Hilton Honors American Express Aspire Card | Hotel points | $550* | Good to excellent |
| Avianca LifeMiles American Express® Elite Card | Airline miles | $249 | N/A |
The Business Platinum® Card from American Express rates and fees; Hilton Honors American Express Aspire Card rates and fees; Hilton Honors American Express Surpass® Card rates and fees; Hilton Honors American Express Business Card rates and fees
How much are 100,000 points worth?
Not all points are created equal, so the exact value varies by credit card and rewards program. Generally, 100,000 points are worth $1,000 in cash back — but they can be worth much more for travel, depending on the type of rewards. You'll usually see higher value with flexible rewards programs like Chase Ultimate Rewards® and American Express Membership Rewards®.
FAQs
Can I get a higher sign-up bonus after the account is opened?
There are no set rules as to whether you can match a higher sign-up bonus after you've already been approved for a card with a lower bonus. That said, some issuers are known for being more flexible than others, so there's no harm in reaching out to ask.
Does American Express match welcome bonuses?
Reports suggest that American Express does not match higher welcome bonuses.
Can I sign up for the same card twice and get the sign-up bonus?
Every issuer has different eligibility rules for sign-up bonuses. Some issuers allow you to earn sign-up bonuses on the same card multiple times, but you generally must cancel your card before you can apply again. Also, you'll usually have to wait a certain amount of time between earning welcome bonuses.
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*The Business Platinum Card® from American Express Welcome Offer: To view your personalized offer, you must first submit an application. If approved, you will: (1) receive your Welcome Offer details, (2) have the option to accept the Card with that offer, (3) be required to spend $20,000 on eligible purchases within the first 3 months of Card Membership, and (4) earn Membership Rewards® points. Welcome offers vary and you may not be eligible for an offer. If you're approved and accept your offer, a credit check may be conducted, which could impact your credit score. Terms apply.
For rates and fees of The Business Platinum® Card from American Express, click here.
For rates and fees of the Hilton Honors American Express Aspire Card, click here.
For rates and fees of the Hilton Honors American Express Surpass® Card, click here.
For rates and fees of the Hilton Honors American Express Business Card, click here.
