The Ultimate Guide to Credit Cards
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6 Best Credit Cards Offering 100,000+ Points

6 Best Credit Cards Offering 100,000+ Points

credit card advice

Adam West
By: Adam West
Updated: January 21, 2020
Advertiser Disclosure

Of all the ways to earn credit card rewards points, massive signup bonuses are the Holy Grail. What’s better than earning a reward simply for buying what you need anyway? That’s why we’ve put together this list of the best credit cards offering 100,000 points or more.

It bears mentioning that maximizing credit card rewards points, while it can be worthwhile, is not for the faint of heart. You may find you need a spreadsheet to monitor all of the variations in redemption options and point transfer values.

Still, these huge payouts could earn you a trip to just about anywhere in the world or a stay at a fabulous luxury resort. Read on to learn about the best 100,000+ point credit cards for business use and for everyday consumers.

Business | Consumer | Other Notable Bonuses | FAQs

Best Business Cards Offering 100,000+ Points

Business credit cards are some of the most lucrative when it comes to rewards points, both in terms of the signup bonuses offered and the ongoing rewards earned for purchases. Business expenses are an unavoidable necessity, so you may as well get rewarded for your spending.

Many of the cards on this list will let you earn bonus points for as little as $3,000 spent during the first three months of card membership. Some even allow you to earn extra incentives and points after spending a minimum amount in the first six months and the first year. Here are our top picks.

  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • 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
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card
  • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA Pre✔® application fee or the $100 Global Entry application fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.49% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

The Capital One® Spark® Miles for Business currently has one of the best introductory bonus offers on the market. In addition to the 50,000 bonus miles for spending just $5,000 in the first three months of account opening, an additional 150,000 bonus miles are currently being offered for cardholders who spend $50,000 in the first six months.

That’s 200,000 miles — or up to $2,800 in value — if you meet the spending requirements over six months. Of course, this current promotion could be pulled at any time, in which case it will likely revert to the previous 100,000-mile signup offer.

Also worth noting is the unlimited 2X miles you receive on every purchase, and that the $95 annual fee is waived the first year.

2. Hilton Honors American Express Business Card

Few business credit cards offer the high points payout relative to the minimum spending level of the Hilton Honors American Express Business Card. For a mere $3,000 in eligible purchases made in the first three months, you’ll get 125,000 Hilton Honors bonus points.

Hilton Honors American Express Business Card

  • 125,000-point signup offer
  • Earn 12X points at Hilton properties, 6X points on gas and restaurant purchases, 3X points on everything else
  • Free Priority Pass Select lounge access
  • $95 annual fee

These points have the most value when redeemed for travel or stays at Hilton properties, but the exact value per point is difficult to calculate. If you’re a fan of the Hilton chain, using your card at these hotels and resorts can earn you a whopping 12X points, plus you’ll get 6X points on gas and restaurant purchases, and 3X points on everything else.

This card does come with a $95 annual fee; however, you have free airport lounge access through Priority Pass Select, and free weekend overnight stays when you meet certain annual spending levels.

3. UnitedSM Explorer Business Card

The UnitedSM Explorer Business Card from Chase offers business travelers an opportunity to earn up to 100,000 bonus miles — 50,000 miles after spending $5,000 in the first three months, and an additional 50,000 miles after spending $25,000 within the first six months.

United Explorer® Business Card

  • 100,000-point signup offer
  • 2X miles per $1 spent on United purchases and at gas stations, office supply stores, and restaurants, 1X miles on everything else
  • $95 annual fee

If you’re a frequent traveler on United, this card can also save you money by offering a free checked bag, priority boarding, and two United Club lounge passes. These perks can help to offset the $95 annual fee by saving you up to $120 in checked bag fees per flight.

Best Consumer Cards Offering 100,000+ Points

Frequent travelers know how valuable points can be in earning free flights, hotel stays, and all types of vacation travel. And the best way to take advantage of these benefits is by earning as many bonus points as you can.

You know travel credit cards let you earn big rewards, but few of them offer huge bonuses that can really pay off. Here are some of the consumer cards that currently offer incentives of 100,000 points or more.

4. Hilton Honors American Express Aspire Card

There are some big advantages to a premium travel card like the Hilton Honors American Express Aspire Card — such as the 150,000 bonus points you’ll earn just by spending $4,000 in the first three months of membership. You’ll also get automatic Hilton Honors Diamond status, plus a free weekend night stay just for signing up and a free weekend night annually upon renewal.

Hilton Honors American Express Aspire Card

  • 150,000-point signup offer
  • 14X Hilton Honors points on Hilton purchases, 7X points on flights, car rentals, and restaurants, 3X points on everything else
  • $450 annual fee

These perks more than make up for the $450 annual membership fee, even before you consider the 14X bonus points on Hilton purchases, 7X points on flights, car rentals, and at restaurants, plus 3X points on all other card purchases.

5. Hilton Honors American Express Surpass® Card

If the Aspire card and its $450 fee don’t fit your lifestyle, the Hilton Honors American Express Surpass® Card may be more your speed. This card still offers an incredible 125,000 bonus points, but this time for spending just $2,000 in the first three months.

Hilton Honors American Express Surpass® Card

  • 125,000-point signup offer
  • 12X Hilton Honors bonus points on all eligible Hilton purchases, 6X points for each $1 spent at restaurants, gas stations, and supermarkets, 3X points on everything else
  • $95 annual fee

You’ll automatically receive Hilton Honors Gold status when you sign up for this card, which is upgraded to Diamond status if you spend $40,000 on the card in a calendar year. You’ll get a free weekend night stay after spending $15,000 in a calendar year, and won’t be charged foreign transaction fees for overseas purchases.

6. British Airways® Visa® Signature Card

If you’re wondering whether a credit card co-branded by a foreign airline is worthwhile for U.S.-based travelers, wonder no longer. The British Airways Visa Signature® card issued by Chase is a valuable rewards card no matter which airline you prefer to fly on.

New cardmembers can receive a total of 100,000 bonus points — BA calls them Avios — by meeting certain spending requirements. You’ll earn 50,000 Avios when you spend $3,000 in the first three months, and another 50,000 after you hit $20,000 in the first year.

British Airways Visa Signature® card

  • 100,000 Avios signup offer
  • 3 Avios for every $1 spent on British Airways, Aer Lingus, and Iberia purchases, 2 Avios per $1 spent on hotels, and 1 Avios for everything else
  • $95 annual fee

Points can be used to book travel on any oneworld partner airline, including American Airlines, Cathay Pacific, JAL, Qantas, and many others. And, with the program’s distance-based award chart, the points can be worth more than those of the other airline rewards plans. This card does charge an annual fee of $95, but maxing out the points can give you a value of around $1,500 in travel rewards.

Other Notable Signup Bonuses

Not everyone can meet the requirements for some of these 100,000+ point cards, which require not only an excellent credit score, but in some cases, a banking relationship with the issuer.

If you’re denied one of those premium card offers, not to worry — other cards come with similar rewards and are easier to access. Here are some of our top alternative cards with impressive signup bonuses.

BUSINESS CARD RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • New Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% - 22.49% Variable
$95
Good/Excellent

In many ways, the Ink Business Preferred℠ Credit Card from Chase has a better bonus points program than many of the above-mentioned cards. That’s because there’s no tiered earning — you get the entire 80,000 bonus points available just by spending $5,000 in the first three months after opening your account.

Plus, when redeemed for travel through the Chase Ultimate Rewards® program, the points are worth 25% more. That’s a value of up to $1,000 in bonus points. In addition, you’ll earn 3X points on business expenses that include travel, shipping, internet and phone expenses, social media advertising, and more.

8

Discover it® Cash Back

This card is currently not available.

Cash Back Rating

★★★★★
N/A

OVERALL RATING

N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

Even more valuable than bonus travel reward points is bonus cash back rewards. That’s because cash back can be used for travel or hotel stays anywhere, or for anything else you can think of.

The Discover it® Cash Back card lets you maximize your earnings with bonus cash back in rotating categories you activate each quarter at places where you already spend, like gas stations, grocery stores, restaurants, even big-box and online shopping venues, up to a quarterly maximum.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Chase is not an affiliate partner with CardRates and does not review editorial content on our site
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.49% - 25.49% Variable
$550
Good/Excellent

The Chase Sapphire Reserve® card is regularly cited as one of the best premium travel credit cards available. New cardmembers earn 50,000 bonus points after spending $4,000 in the first three months — worth $750 in travel when redeemed through Chase Ultimate Rewards.

You’ll also get a $300 annual travel credit reimbursement each year, plus a $100 application fee credit for Global Entry or TSA Pre-check, in addition to 3X points on travel and dining spending. The annual fee, recently increased to $550, can be mostly offset by the savings you achieve for traveling even infrequently.

How Much Are 100,000 Amex Points Worth?

Calculating the value of points in any rewards program is an exercise in relativity. Depending on how you plan to redeem your points, whether you want to transfer them to another plan, or if you simply want to cash them out — all these options will result in different point values.

So, how much are your 100,000 American Express bonus points actually worth?

Generally speaking, Amex reward points redeemed for flights through American Express Travel are worth a penny each, meaning 100,000 points is the equivalent of $1,000 in travel value. But other travel redemptions, like hotels or car rentals, are worth only .7 cents per point.

Chart Comparing Values of Common Credit Card Rewards Points

To see just what your points might be valued at by American Express, the company provides a rewards calculator to help you compare different redemption options. However, there are other ways to squeeze a little more value out of your points.

Transferring your Amex points to a frequent flier or hotel account or within the transfer partner network can be a great way to maximize your points. Of course, these deals are limited to availability, but with a little searching, you can really score.

It’s usually not a good idea to use points for flights on airlines that aren’t Amex transfer partners, as these usually transfer at a rate of less than $0.01 per point. Also, you should keep an eye out for promotional specials on Amex points.

Amazon, for example, occasionally offers discounts of up to 20% on purchases or a $50 Amazon savings for using just one Amex point.

How Much Are 100,000 Ultimate Rewards Points Worth?

In the world of rewards points, redemption options and flexibility are crucial. That’s what makes Chase Ultimate Rewards points so valuable.

These highly flexible rewards can be redeemed for anything from cash back to online purchases to gift cards, and, of course, travel. And how you choose to redeem your Ultimate Rewards points will determine just how much they are worth.

The Chase Ultimate Rewards travel portal, powered by Expedia, is a convenient way to take full advantage of your points when booking air travel. Rather than searching for available flights with a Chase travel partner, booking directly through the travel portal gets you access to all flights and seating options with no limited inventory or award restrictions.

The actual value of a Chase Ultimate Rewards point redeemed on the travel portal is a standard 1:1 — that is one point equals one cent. However, the premium cards we’ve highlighted give you more value for each point.

The Chase Sapphire Reserve® nets you a rate of 1.5 cents per point, while the Ink Business Preferred℠ and Sapphire Preferred® cards each redeem at a rate of 1.25 cents per point.

Chase Ultimate Rewards Screenshot

How you redeem your points in the Chase Ultimate Rewards portal will determine the point value.

While these fractions of a point may not seem like much, the savings can be impressive. For example, an $800 flight that would normally cost 80,000 points would only be 53,333 with the Sapphire Reserve® card.

That 26,667 points saved is the equivalent of $266.67. Still think that’s chump change?

Using the Chase travel portal also has the advantage of acquiring a paid ticket rather than an award ticket for the purposes of most frequent flier programs, meaning you’ll earn miles from the airline for the flight.

Finally, if you have other Chase cards that redeem at the standard 1:1 rate, Ultimate Rewards points can be transferred to your premium card and get you the 1.25:1 or 1.5:1 redemption rate of those cards. It doesn’t get much better than that.

How Do You Get the 100,000 Amex Platinum Offer?

If you have your heart set on the 100,000-point signup bonus you heard about on The Platinum Card® from American Express, try not to be too disappointed if you can’t find it.

While the Amex Platinum card is one of the most highly regarded premium travel cards, the 100,000-point offer isn’t available to just anyone. In fact, it is one of the most elusive of all bonus point offers.

The Amex Platinum has a standard new cardmember offer of 60,000 points, but a lucky few are able to snag the targeted bonus of 100,000 points by being in the right place at the right time.

This offer is reportedly available for just hours at a time online, with no consistency or predictability — as if the good people at American Express were intent on generating a sense of scarcity.

Screenshot of 100,000-Point Amex Platinum Offer

The 100,000-point offer for The Platinum Card® may be by invitation only. A lucky few may have found it online by being in the right place at the right time. Photo credits: doctorofcredit.com

Another way to land this elusive offer, however, is by receiving an invitation. But how you go about that is also a mystery.

Some say the offer gets sent to current customers in good standing of other Amex cards, which makes sense. But would they receive the standard offer of 60,000 bonus points or the enhanced 100,000-point offer?

To give yourself the best chance of being offered the 100,000 points as an Amex cardmember, there is one thing you can do. Log in to your American Express account and go to the Account Services section.

From there, navigate to Alerts, Communications & Privacy, then to General Marketing Email Preferences. Turn on New Card and Credit Offers, and save your selection.

The idea is that if you’ve opted in to receive offers, the company may give you preference when it comes time to send out special offers. Of course, it goes without saying that you need to have an excellent credit score and a spotless credit history with no late or missed payments.

Can You Get a Signup Bonus Twice?

Incentives like the big signup bonuses offered by some card issuers are intended to get their card into your wallet. Once they’ve done that, there’s little reason for them to give you another bonus.

But since each credit card company does things a little differently, there are some cards you can go to again and again for the bonus points.

Bank of America credit cards and cards that are co-branded by Bank of America, like the Alaska Airlines Visa® Signature card, don’t list any restrictions on signup bonuses. You can theoretically earn a bonus on the same card multiple times, as long as you meet the other approval requirements.

Capital One is another issuer that doesn’t specifically restrict the number of bonuses you can receive; however, the company does limit the number of Capital One cards you can have at any time to two.

That means you can score the bonus for the Capital One® Spark® Miles for Business card and the Quicksilver® Cash Rewards Credit Card and get the bonus points for both. However, the company only lets you apply for one of their cards every six months.

American Express Logo

Each issuer has its own rules regarding the number of times you can earn a signup bonus. Amex, however, only allows one signup bonus per lifetime.

Other companies, like Chase, Citi, Barclays, and Wells Fargo, place time restrictions on bonus points you can earn. Chase, for example, lets you earn a bonus on the same card, but only 24 months after the initial bonus was earned.

With Citi, you need to have closed any card you earned a bonus on 24 months before you can apply and earn a bonus on the same card again. Barclays and Wells Fargo make you wait anywhere from 12 to 15 months before you can earn a second signup bonus on one of their cards.

Of course, there are those card issuers that think one bonus per lifetime is enough. American Express practices this draconian measure, so make sure any bonus you do receive from them is well worth it.

Taking Advantage of Signup Bonuses Can Pay Off

Earning and using credit card reward points can be, well, rewarding. It can also be frustrating, time-consuming, and challenging.

But, when done correctly and responsibly, taking advantage of the best credit cards offering 100,000 points or more can really pay off. For those intrepid souls who love collecting and maximizing their points by taking full advantage of the available bonus offers, we say good for you.