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Credit Cards with 100K+ Bonuses

The biggest credit card sign-up bonuses available right now. Cards offering 100,000 or more points, typically worth $1,200-$2,400+.

9
Cards
300,000
Highest Bonus
$8,770
Total Bonus Value
American Express

The Business Platinum Card from American Express

300,000 points
~$1,800 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$20,000 in 15 months
Annual Fee$895
Base Rewards1x on all purchases
5x flights booked directly or via Amex Travel1.5x on purchases $5k+
Monthly spend needed$1,334
Estimated first-year value$905 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.6¢ per point: Statement credit (hypothetical scenario, last maintained 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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American Express

American Express Business Gold

200,000 points
~$1,200 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$15,000 in 3 months
Annual Fee$375
Base Rewards1x on all purchases
4x on top 2 categories each month (up to $150k/yr)Categories: airfare, advertising, gas, shipping, computing, restaurants
Monthly spend needed$5,000
Estimated first-year value$825 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.6¢ per point: Statement credit (hypothetical scenario, last maintained 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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American Express

The Platinum Card from American Express

175,000 points
~$1,050 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$8,000 in 6 months
Annual Fee$895
Base Rewards1x on all purchases
5x flights booked directly5x hotels via Amex Travel
Monthly spend needed$1,334
Estimated first-year value$155 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.6¢ per point: Statement credit (hypothetical scenario, last maintained 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Chase

Chase Sapphire Reserve

100,000 points
~$1,000 value
Offer confirmed 2026-10-11
Spend Required$6,000 in 3 months
Annual Fee$795
Base Rewards1x on other purchases
8x Chase Travel purchases, including The Edit4x flights booked directly4x hotels booked directly+1 more
Monthly spend needed$2,000
Estimated first-year value$205
Value assumptions and offer source

1¢ per point: Chase Travel redemption (standard rate) (issuer terms, checked 2026-10-07). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-10-11.

Offer source

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Chase

Ink Business Preferred

100,000 points
~$1,000 value
Offer confirmed 2026-10-11
Spend Required$8,000 in 3 months
Annual Fee$95
Base Rewards1x on other purchases
3x combined travel, shipping, eligible social-media/search advertising, internet, cable and phone purchases, up to $150,000 per account anniversary year
Monthly spend needed$2,667
Estimated first-year value$905
Value assumptions and offer source

1¢ per point: Chase Travel redemption (standard rate) (issuer terms, checked 2026-10-07). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-10-11.

Offer source

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American Express

Delta SkyMiles Platinum Card

100,000 miles
~$1,000 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$4,000 in 6 months
Annual Fee$350
Base Rewards1x on all purchases
3x Delta2x restaurants2x groceries+1 more
Monthly spend needed$667
Estimated first-year value$650 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

1¢ per point: Pay with Miles (hypothetical scenario, last maintained 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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American Express

Hilton Honors Aspire Card

175,000 points
~$700 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$6,000 in 6 months
Annual Fee$550
Base Rewards3x on all purchases
14x Hilton7x restaurants7x flights booked directly
Monthly spend needed$1,000
Estimated first-year value$150 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.4¢ per point: Standard hotel redemption (hypothetical scenario, last maintained 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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American Express

Hilton Honors Surpass Card

130,000 points
~$520 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$3,000 in 6 months
Annual Fee$150
Base Rewards3x on all purchases
12x Hilton6x restaurants6x groceries+1 more
Monthly spend needed$500
Estimated first-year value$370 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.4¢ per point: Standard hotel redemption (hypothetical scenario, last maintained 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Capital One

Capital One Venture Rewards

100,000 miles
~$500 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$4,000 in 3 months
Annual Fee$95
Base Rewards2x on all purchases
5x hotels/rentals via Capital One Travel
Monthly spend needed$1,334
Estimated first-year value$405 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.5¢ per point: Statement credit (hypothetical scenario, last maintained 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Maximizing 100K+ Bonuses

Cards with 100,000+ point bonuses typically require higher minimum spend ($4,000-$8,000 in 3 months) and come with annual fees ($95-$695). But the math almost always works in your favor for the first year.

The key to maximizing these bonuses is understanding how much each type of point is worth and redeeming them through the right channels. Transferring to airline and hotel partners typically yields 50-100% more value than cashing out.

For help hitting the higher spend requirements, see our minimum spend strategies guide.

Frequently Asked Questions

Which credit cards have 100,000 point bonuses?

Cards that frequently offer 100K+ bonuses include the Chase Sapphire Reserve, Amex Platinum, Capital One Venture X, Chase Ink Business Preferred, and Amex Business Platinum. Bonus amounts change regularly — check current offers on this page.

How much is 100,000 points worth?

It depends on the rewards program. 100,000 Chase Ultimate Rewards points are worth approximately $1,500 when transferred to travel partners. 100,000 Amex Membership Rewards points are worth about $1,500. 100,000 airline miles are typically worth $1,200-$1,500 for economy flights, or significantly more for business/first class.

Are 100K bonus cards worth the annual fee?

Almost always in the first year. Even a $695 annual fee card with a 100K bonus worth $1,500 nets you $800+ in profit the first year. After year one, evaluate whether the card's ongoing perks and credits offset the annual fee — if not, downgrade to a no-fee card.

Can I get multiple 100K bonuses?

Yes, by getting different cards. Most issuers allow bonuses on different products within their family. For example, you can earn bonuses on both the Chase Sapphire Preferred and Chase Ink Business Preferred. Same-card bonuses typically require waiting 24-48 months.