Now is not the time for nonessential travel, either domestically or internationally. The only way to stop the spread of the coronavirus is stay put for a while, which is why Kara and I have been voluntarily self-isolating in a hotel room in Singapore. However, that doesn’t mean you can’t use this time to start laying the groundwork for something that will improve your life in the future, such as planning your next trip. There are a number of great credit card bonuses out there right now that could provide a ton of value for future trips once life returns to normal.

Not only are there a number of great credit card offers out there right now, but there are many welcome bonuses of 100,000 points or more. Most welcome bonuses typically range somewhere between 30,000 to 60,000 points so getting a 100,000-point is phenomenal. Points and miles from travel credit cards have saved Kara and I thousands of dollars in travel expenses and are why we’ve been able to enjoy luxurious experiences like business class flights and luxury hotel stays.

I’m going to go over both personal and small business cards with 100,000+ point welcome bonuses. Some of the bonuses are only available for a limited time so you won’t want to wait long to apply. Keep in mind that getting approved for a business card may be easier than you think, just check out this post.

Personal Cards At a Glance

Business Cards At a Glance

Personal Credit Cards with Bonuses of 100,000+ Points

1. United Club℠ Infinite Card

 

 

Current offer: For a limited time, you’ll get 100,000 miles after you spend $5,000 in the first three month.

Annual fee: $525

Why it’s great: This newly introduced card offers an impressive 4x miles on United purchases, 2x on all other travel and dining and 1x on everything else. It comes with many valuable perks for those that fly United often. The card provides a full United Club membership, your first two checked bags free and Premier Access, which gives you access to priority boarding, exclusive check-in lines at the airport and more.

Other benefits worth mentioning:

• $100 rebate on Global Entry/TSA PreCheck application fees
• Hertz rental car elite status
• Get 25% back on in-flight purchases
• No foreign transaction fees

2. British Airways Visa Signature Card

Current offer: Up to 100,000 bonus miles — 50,000 bonus miles after you spend $3,000 on purchases within the first 3 months of account opening and additional 50,000 bonus miles after you spend $20,000 total on purchases within your first year from account opening. That totals to 100,000 Avios if you spend $20,000 on the card within the first year.

Annual fee: $95

Why it’s great: You can get a ton of value out of British Airways Avios if you learn how to strategically redeem them using British Airways’ distance based award chart. For example, if you wanted to fly from Nashville to Dallas on American Airlines (a Oneworld partner), you would only need to pay 9,000 Avios each way. So with the 100,000 Avios you’d earn from the sign-up bonus, you could fly from Nashville to Dallas 11 times!

Other benefits worth mentioning:

• No foreign transaction fees
• Earn a companion ticket after spending $30,000 in a calendar year
• 10% off British Airways flights starting in the US
• Lost luggage reimbursement
• Car rental insurance
• Travel accident insurance
• Trip cancelation insurance

3. IHG® Rewards Club Premier Credit Card

Current offer: Get 140,000 IHG points after spending $3,000 in the first three months.

Annual fee: $89

Why it’s great: This card has a hefty bonus given its low annual fee. It comes with automatic Platinum elite status, plus an annual award night worth up to 40,000 points. You’ll also always get your fourth night free when you redeem points for stays of four or more nights.

Other benefits worth mentioning:

• Earn 25x points total for every $1 spent at IHG properties
• Earn 2x points total for every $1 spent at gas stations, grocery stores and restaurants
• $100 rebate on Global Entry/TSA PreCheck application fees
• No foreign transaction fees

4. Hilton Honors American Express Surpass Card

Current offer: Get 125,000 Hilton Honors bonus points after spending $2,000 in the first three months.

Annual fee: $95

Why it’s great: The current sign-up bonus is quite generous for a mid-tier hotel credit card. You get automatic Hilton Gold status just for having this card so you’ll get to enjoy perks like free breakfast on all stays. You’ll also get a free weekend night that can be redeemed at any Hilton property around the world each calendar year you spend $15,000.

Other benefits worth mentioning:

• Priority Pass membership that is good for 10 free airport lounge visits
• No foreign transaction fees
• Earn 12x points for every $1 spent at Hilton properties
• Travel accident insurance
• Zero fraud liability

5. Hilton Honors Aspire Card from American Express

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Current offer: Get 150,000 Hilton Honors bonus points after spending $4,000 in the first three months.

Annual fee: $450

Why it’s great: You get automatic top-tier Hilton Diamond status just for having this card so you’ll get to enjoy free upgrades and free breakfast on all stays. You’ll also get a free weekend night that can be redeemed at any Hilton property around the world each calendar year, an annual $250 airline fee credit and an annual $250 Hilton resort statement credit.

Other benefits worth mentioning:

• Earn 14x points for every $1 spent at Hilton properties
• Earn 7x points for every $1 spent on flights, car rentals and U.S. restaurants
• Priority Pass select membership
• No foreign transaction fees
• Travel accident insurance
• Zero fraud liability

Small Business Credit Cards with Bonuses of 100,000+ Points

1. Ink Business Preferred℠ Credit Card

Current offer: For a limited time, earn 100,000 Ultimate Rewards points after spending $15,000 within the first three months

Annual fee: $95

Why it’s great: When you redeem your points through Chase Ultimate Rewards, your points are worth 1.25 cents each, which means the 100,000 point welcome bonus alone is worth $1,250 in free travel. You could also transfer your points to United, and after meeting the minimum spending requirement, you’d have enough points for a free round-trip award flight from the U.S. to Asia!

This card ranks #1 because of the awesome sign-up bonus, but it also has great spending bonuses that will earn you even more points moving forward. You’ll earn 3x points on travel and other business expenses (including shipping purchases, internet, cable, phone services, and advertising purchases made with social media sites and search engines) up to $150,000 in spending each year.

Other benefits worth mentioning:

• No foreign transaction fees
• Cell Phone Protection up to $600
• Points can be transferred to 5+ airlines at a 1:1 ratio
• Points are worth 25% more when redeemed through Chase Ultimate Rewards

2. Southwest Rapid Rewards® Performance Business Credit Card

Current offer: For a limited time, you can earn up to 100,000 points — 70,000 Southwest Rapid Rewards after spending $5,000 in the first 3 months, plus an additional 30,000 points after spending $25,000 in the first six months.

Annual fee: $199

Why it’s great: 100,000 is a very generous welcome bonus. Southwest points are worth roughly 1.4 cents each, which means the sign-up bonus alone is worth over $1,000 in free Southwest flights. If you spend most of your time flying in or around the U.S.A., you’ll be able to get a ton of value out of this card. Plus, it’s a great way to earn 100,000 points towards the 110,000 points you need to get the Southwest Companion Pass!

This card also offers many ongoing perks that add value to the card in the long run. These include four upgraded boardings per year, inflight Wi-Fi credits and an application credit for Global Entry or TSA Pre-check once every four years.

Other benefits worth mentioning:

• Earn 3x points on Southwest purchases
• Earn 2x points on social media and search engine advertising, Internet, cable, and phone services
• 9,000 points every year after your cardmember anniversary (aka 9,000 points every year your keep the card and pay the annual fee)
• 1,500 Tier Qualifying Points per $10,000 you spend (up to 15,000 TQPs each year)
• No foreign transaction fees

3. The Hilton Honors American Express Business Card

Current offer: 125,000 Hilton Honors bonus points after spending $3,000 in the first three months

Annual fee: $95

Why it’s great: This card packs in a ton of benefits, especially if you’re loyal to Hilton. To start, 125,000 points is a very generous welcome bonus. Plus, if you do spend money staying at Hilton properties, this will be the card you want to use because you’ll earn 12x points for every $1 spent with Hilton.

Just by signing up for the card, you’ll get complimentary Hilton Gold Status. If you spend $15,000 on the card in a calendar year, you’ll get a free weekend night. And if you spend an additional $45,000, you’ll get a second free weekend night.

Other benefits worth mentioning:

• Priority Pass membership that is good for 10 free airport lounge visits
• No foreign transaction fees

4. United℠ Business Card

 

 

Current offer: For a limited time, this card is offering a welcome bonus of up to 100,000 miles. Earn 50,000 miles after spending $5,000 in the first three months and an extra 50,000 miles after spending $25,000 total on purchases in the first six months.

Annual fee: $95 (waived the first year)

Why it’s great: United is currently my favorite frequent flyer program because I’ve found they have the best award space availability. This means the points are easier to use, and you usually have more options. This card is a great way to earn 100,000 United miles quickly.

100,000 points is enough for two round-trip domestic business-class ticket or a one-way business-class ticket to Europe.

Other benefits worth mentioning:

• 2 one-time use United Club passes that entitle you to United Club lounge access
• Priority Boarding on United flights
• Your first checked bag is free on United flights when you use your card to pay for the flight
• Earn 10,000 bonus miles after spending $25,000 each year
• No foreign transaction fees

That wraps up our review of credit cards with welcome bonuses of 100,000 points or more. Not all points currencies are equal, but all of the bonuses mentioned above represent terrific value.

If you found this post useful, we’d be super grateful if you used our links to start your next credit card application! If you need help choosing a card, we’d be more than happy to recommend a card (or two) for you! All you need to do is fill out this form.