6 credit cards currently offering new-member bonuses of 100,000 points or more

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The Points Guy

PFI Disclosure

When you’re looking to boost your stores of rewards points and frequent-flyer miles, earning a credit card’s welcome bonus is the best way to get a ton of points quickly.

Something that’s key is making sure to get the highest bonus possible — public bonuses often vary, and some issuers might even send out targeted offers to specific customers. 

If you’re looking to pick up a new card, there are a few fantastic offers available right now, including some that hit — and even pass — the 100,000-point mark. While different kinds of points are worth different amounts, each of these 100,000-plus offers represents a fantastic value.

Some of these are limited-time offers, while others seem to be here to stay. Read on to learn more about these offers.

Read more: The best credit card sign-up offers available right now

Keep in mind that we’re focusing on the rewards and perks that make these credit cards great options, not things like interest rates and late fees, which will far outweigh the value of any points or miles. It’s important to practice financial discipline when using credit cards by paying your balances in full each month, making payments on time, and only spending what you can afford to pay back. 

1. Hilton Honors American Express Aspire Card

Welcome offer: 150,000 Hilton Honors points when you spend $4,000 in the first three months.

The premium Hilton Honors American Express Aspire card has a hefty $450 annual fee, but it comes with so many perks, benefits, and rebates that it’s more than worth paying for Hilton loyalists — or even brand-agnostic hotel guests.

In addition to an airline fee credit up to $250 per calendar year and up to a $250 Hilton resort statement credit each card member year, the Aspire also offers up to a $100 Hilton on-property credit every time you book a stay of two nights or longer at a luxury Hilton property — you just need to book through a specific website for cardholders.

The card also offers a free weekend night reward each year — regardless of how much you spend — and a second if you spend $60,000 on the card in a calendar year. It also comes with complimentary Diamond status.

The Aspire earns a tremendous 14 points per dollar spent with Hilton, 7 points on flights booked with the airline, car rentals, and at US restaurants, and 3 points on everything else.

Click here to learn more about the Hilton Honors Aspire card.

2. Capital One Spark Miles for Business

Welcome offer: 50,000 miles when you spend $5,000 in the first three months, 150,000 miles when you spend $50,000 in the first six months

This business card is currently offering a hugely elevated sign-up bonus. If your business already spends $50,000 or more in six months, this is a great way to get rewarded for that spending — though that spend requirement is likely less attainable for many smaller businesses or freelancers. 

The Spark Miles for Business earns 2x miles on all spending, so you’ll earn an additional 100,000 miles if you spend $50,000. That gives you $3,000 toward travel when you use the Capital One Purchase Eraser to wipe travel charges from your statement. You can also transfer your miles to Capital One’s airline transfer partners, including Emirates and Singapore Airlines.

The Spark Miles now earns 5x miles on hotels and rental cars booked through Capital One Travel, so you could earn an even larger return on your spending if you need to book travel accommodations.

There’s no end date for this offer, so don’t wait too long to apply if you want the chance to earn up to 200,000 Capital One miles.

Click here to learn more about the Capital One Spark Miles for Business.

3. Hilton Honors American Express Surpass® Card

Welcome offer: 150,000 Hilton Honors points when you spend $3,000 in the first three months. Plus, earn a $100 statement credit after your first purchase within the first three months.

This card was previously known as the Hilton Ascend card, but it was rebranded as the Surpass card.

Not only do you get a hefty welcome bonus of 150,000 Hilton points with the Surpass card if you apply now, you also get complimentary Gold status. That comes with a suite of useful benefits, including late check-out, free water bottles during stays, and more. Plus, you’ll get free breakfast during your stay, and you’ll be eligible for a room upgrade, assuming there’s a free room available.

The Surpass earns 12x points on Hilton purchases, 6x points at restaurants, gas stations, and supermarkets — all within the US — and 3x points on everything else.

Between the 150,000-point welcome bonus, and the fact that the Surpass card offers a free weekend night when you spend $15,000 on it within a calendar year, you’ve got the makings of a nice long hotel stay without having to pay.

The card also comes with 10 free day passes to Priority Pass airport lounges, and offers a free weekend night when you spend $15,000 on it within a calendar year. The Surpass has a $95 annual fee, but chances are the benefits will offset that for you.

Click here to learn more about the Hilton Surpass Card.

4. United Explorer Business Card

Welcome offer: 50,000 bonus miles after you spend $5,000 in the first three months, and another 50,000 bonus miles after you spend $25,000 total in the first six months. 

The United Explorer Business Card is a good option if you fly United a few times a year, as it offers a first checked bag for free on United flights along with priority boarding and two one-time United Club lounge passes each year.

Unlike most other airline cards, the United Explorer Business earns bonus miles on categories beyond airline spending. So in addition to earning 2x miles on United purchases, it earns 2x miles at office supply stores, gas stations, and restaurants. 

The card has a $95 annual fee, and doesn’t charge foreign transaction fees. If you can meet the high spending requirement of $25,000 total in the first six months, this offer is worth a look.

Click here to learn more about the United Explorer Business Card.

5. Hilton Honors American Express Business Card

Welcome offer: 125,000 Hilton Honors points when you spend $3,000 in the first three months. 

In terms of benefits, the small business Hilton card is almost the same as the Surpass card. It comes with complimentary Hilton Honors Gold status, offers a free weekend night when you spend $15,000 in a calendar year, and comes with 10 free Priority Pass lounge visits annually. It also has a $95 annual fee.

It has two differences from the Surpass, however. First, you’ll earn a second free weekend night certificate after spending $60,000 within a calendar year.

Second, the earning rates are a bit different to reflect business spending. You’ll get 12x points per dollar spent at Hilton properties, 6x points on select business travel and purchases, and 3x points on everything else.

Those select business travel and purchases that earn 6x points include:

  • Flights booked directly with airlines or Amex Travel
  • Car rentals booked directly with select car rental companies
  • US restaurants
  • US gas stations
  • Cell phone services purchased directly from US service providers
  • US purchases for shipping

Click here to learn more about the Hilton Honors Business Card.

6. British Airways Visa Signature Card

Welcome offer: 50,000 Avios after you spend $3,000 on purchases in the first three months, plus an additional 50,000 Avios when you spend $20,000 total in purchases in your first year.

Like the United Explorer Business Card, the British Airways Visa has a high minimum spending requirement to earn the full 100,000-point bonus. However, with this card you have your whole first account year to meet the spending requirement, not just the first six months.

You can use Avios to book travel on British Airways as well as its partners such as American Airlines, Iberia, and Aer Lingus.

If you spend at least $30,000 on the card in a calendar year, you’ll earn a travel together ticket. This is essentially a certificate for two-for-one travel, letting you bring along a companion on a British Airways award flight for free minus the taxes and fees (you’ll still be on the hook for those).

The British Airways Visa earns 3 Avios per dollar on British Airways purchases, and 1 point per dollar on everything else. There’s a $95 annual fee, and no foreign transaction fees.

Click here to learn more about the British Airways Visa Signature Card.

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