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4 Cards Currently Offering Welcome Bonuses of 100,000 Points or More

The Points Guy logo The Points Guy 7/23/2019 The Points Guy
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Update: The Hilton American Express Ascend Card is now the 
Hilton Surpass® Card from American Express and is offering a limited-time bonus of 130,000 bonus points + a free weekend night through August 28, 2019.

Whether you're new to the world of travel rewards or simply looking to top up one of your balances, credit card welcome bonuses are the fastest way to get you there. There's nothing quite like the thrill of seeing a massive bonus post to your account and realizing how much of the world you'll get to explore with it.

If you've been thinking about adding a new card to your wallet, now is the perfect time. We're currently seeing 100,000-point bonuses — and in some cases even more — on some of the best cards on the market. But don't be fooled — not every 100,000-point offer is worth the same amount. Here's a rundown of the currently available 100,000-point and higher offers, and which ones should top your list.

CardAnnual FeeBonus Value*Notable Perks
Hilton Honors Aspire Card from American Express$450 (see rates & fees)150,000 points $900$250 airline credit, $250 Hilton resort credit, $100 property credit on eligible stays of 2 or more nights at Waldorf Astoria and Conrad hotels. Terms apply.
Hilton Honors American Express Ascend Card$95 (see rates & fees)125,000 points


One free weekend night after spending $15,000 in a year, Diamond status after spending $40,000 in a year. Terms apply.
Hilton Honors American Express Business Card$95 (see rates & fees)130,000 points

Offer ends 8/28/2019

One free weekend night after spending $15,000 in a year, second free weekend night after spending $60,000 in a year, Diamond status after spending $40,000 in a year. Terms apply.
British Airways Visa Signature Card$95Up to 100,000 points $1,50010% off all British Airways flights and a Travel Together Ticket every calendar year you make $30,000 in purchases on your card.

*Bonus value is an estimated value calculated by TPG and not the card issuer.

Hilton Honors Aspire Card From American Express

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While Hilton points are the least valuable currency on this list at only 0.6 cents apiece, there are currently three Hilton cards all offering welcome bonuses above and beyond 100,000 points. The Hilton Honors Aspire Card from American Express has the highest bonus of the three — you'll earn 150,000 Hilton Honors points after spending $4,000 in the first 3 months.

The Aspire is a value-packed premium card with a hefty $450 annual fee to match. But in exchange for that fee, you'll automatically receive top-tier Hilton Diamond status, one free weekend night when you open your card and another every year when you renew. Cardmembers get a full Priority Pass membership with guesting privileges and a number of statement credits to offset the high fee: a $250 annual airline credit, a $250 Hilton resort credit at participating hotels, and a $100 property credit on eligible stays of two nights or more at Conrad and Waldorf Astoria hotels.

Hilton Amex Ascend and Hilton Amex Business

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If a $450 annual fee sounds a little too rich for you, you can consider one of Hilton's two mid-tier credit cards instead, both of which have significantly lower $95 annual fees. The Hilton Honors Ascend Card from American Express and the Hilton Honors Business Card from American Express are each offering 130,000-point welcome bonuses, and since they're different credit card products, you're able to get both if you want. For the Ascend card, you'll need to spend $2,000 in three months to earn the bonus, while the Business card requires $4,000 in spend in the first four months.

When it comes to features, these two cards are very similar. Both will get you complimentary Hilton Gold status and the ability to upgrade to Diamond by spending $40,000 in a year, plus a free weekend night certificate good at practically any Hilton property for spending $15,000 in a year, and 10 free Priority Pass visits annually. The Business card has one extra feature that can be useful for high spenders — the ability to earn a second free weekend night with $60,000 in total spend on the card in a calendar year.

If you're having trouble deciding between one of the mid-tier Hilton cards and the premium Aspire card, make sure to check out our guide comparing "Hilton Ascend vs. Hilton Aspire: Which Card Is Right for You?"

British Airways Visa Signature Card

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The British Airways Visa Signature Card offers US-based travelers a lot more value than you'd expect from a foreign airline credit card. It's currently offering a tiered sign-up bonus of up to 100,000 Avios — 50,000 Avios after spending $3,000 in the first three months, plus another 50,000 Avios after spending a total of $20,000 in the first year. That works out to about $1,700 per month if you want to earn the full bonus. At $95 per year, its annual fee is also relatively reasonable.

On the earning side, the card offers 3 miles per dollar on British Airways purchases (1 mile per dollar on everything else), which is pretty solid for a cobranded airline credit card. The card's most valuable perks include a 10% discount on British Airways flights and a Travel Together Ticket every calendar year you make $30,000 in purchases on your card.

The best use of British Airways Avios is for awards on Oneworld partner airlines. Thanks to the program's distance-based award chart, you can book domestic US economy awards of up to 1,151 miles for just 9,000 Avios one-way, business class awards on those same flights for just 16,500 Avios and economy awards from major West Coast cities to Hawaii for just 13,000 Avios. That's a whole lot less than what you'd pay when booking those awards with partners like American or Alaska outright.

Bonus: Chase Sapphire Banking + Chase Sapphire Preferred or Reserve

A final option worth considering involves stacking two sign-up bonuses. If you qualify, you could earn 60,000 Ultimate Rewards points by signing up for a Chase Sapphire Banking account. One of the eligibility requirements for this checking account is holding a Chase Sapphire card, so if you don't have either the Chase Sapphire Preferred Card or the Chase Sapphire Reserve, you could sign up for one of those cards and earn either 60,000 points by spending $4,000 in the first three months with the Sapphire Preferred or 50,000 points by spending $4,000 in the first three months with the Sapphire Reserve. With either bonus, you'd be looking at earning at least 110,000 points when combined with the banking bonus — and that's before factoring in the additional points you'd earn for meeting the minimum spend requirement on the Sapphire Preferred or Sapphire Reserve. Based on TPG's valuations, 120,000 Ultimate Rewards points are worth $2,400.

Bottom Line

These cards offering 100,000-point bonuses (and more) could definitely be worth considering if you're looking to boost your rewards balance in a specific airline or hotel loyalty program. And if none of the cards above tickle your fancy, you can see if any additional 100,000-point offers are available to you via the CardMatch tool (which are subject to change at any time). We've seen targeted offers such as 100,000 points for the personal Platinum Card® from American Express, through CardMatch, so it's definitely worth looking at what card offers are available to you through the tool.

Additional reporting by Benji Stawski.

Featured image of the Hilton Conrad Maldives courtesy of the hotel.

For rates and fees of the Hilton Ascend Card, please click here.

For rates and fees of the Hilton Aspire Card, please click here.

For rates and fees of the Hilton Business Card, please click here.

This is The Points Guy’s permanent page for credit cards currently featuring 100,000-point bonuses, so you can bookmark it and check back regularly for updates. Keep in mind you may see some reader comments referring to older offers below.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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