Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
The offer mentioned below for the Capital One Venture X Business Credit Card is no longer available.
Many of the best rewards credit cards offer lucrative welcome bonuses that can help new cardholders maximize rewards within the first few months after opening an account, but only a select few have 100,000-point bonus offers.
Travel cards typically offer the biggest welcome bonus, especially co-branded cards that are in partnership with an airline or hotel chain. These cards can prove beneficial for loyal consumers but make sure to review the annual fee to see if the card is worth the cost. After all, a bonus offer is one-time, so you shouldn’t open a card that’s too costly just for the bonus. You should also avoid overspending just to earn a bonus and risk carrying a balance since the interest charges will outweigh any rewards you earn.
CNBC Select breaks down how you can earn the 100,000-plus point bonus offers from these credit cards.
Credit cards with welcome bonuses of 100,000 points or more
- The Business Platinum Card® from American Express
- IHG One Rewards Premier Credit Card
- IHG One Rewards Premier Business Credit Card
- Marriott Bonvoy Business® American Express® Card
- Marriott Bonvoy Boundless® Credit Card
- Capital One Venture X Business Credit Card
- Hilton Honors American Express Surpass® Card
- The Hilton Honors American Express Business Card
- Hilton Honors American Express Aspire Card
- Avianca LifeMiles American Express® Elite Card
- Wyndham Rewards Earner® Plus Card
- Wyndham Rewards Earner Business Card
Business Platinum Card from American Express
The Business Platinum Card from American Express is a premium business card loaded with statement credit offers for business services and travel that help justify its steep annual fee.
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024. Access is limited to eligible Card Members.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- NEW! Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- Earn 5X Membership Rewards Points® on Flights, and Prepaid Hotels Booked through AmexTravel.com
- 1X points on other eligible purchases
- Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- $695 Annual Fee.
- Terms Apply.
Welcome bonus value: This bonus is worth $3,000 based on the valuation of Membership Rewards points at two cents apiece (when transferring your points to travel partners).
How to earn the bonus: Spend $20,000 in purchases within your first three months of card membership to earn 150,000 Membership Rewards points.
How to redeem rewards: Points can be transferred to American Express' various airline and hotel loyalty program partners. Points can also be redeemed through Amex Travel with a 35% rebate on eligible flights (up to 1,000,000 points back per calendar year).
Who's eligible: If you've never had The Business Platinum Card® from American Express, you may qualify for this offer. Current or previous cardholders are ineligible. Amex also states that it may also consider the number of American Express cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. Terms Apply.
IHG Rewards Premier
The IHG One Rewards Premier Credit Card's benefits are easy to maximize, which makes this card a solid option if you stay at IHG properties semi-regularly.
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Limited Time Offer! Earn 170,000 Bonus Points
- Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier cardmember
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
Welcome bonus value: Rewards experts generally value IHG points around 0.5 cents apiece, making this bonus worth about $850.
How to earn the bonus: Earn 170,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening
How to redeem rewards: You can redeem points for free stays at more than 6,000 IHG Hotels and Resorts around the globe and other travel experiences.
Who's eligible: If you've never had the IHG One Rewards Premier Credit Card, you may qualify for this offer. Current card members (regardless of whether you earned the bonus) or previous card members who received a new card member bonus for this card in the past 24 months aren't eligible.
IHG One Rewards Premier Business Credit Card
The IHG One Rewards Premier Business Credit Card is a hotel business card with a reasonable annual fee that can be easily justified by its ongoing benefits.
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
- Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier Business cardmember
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
Welcome bonus value: Rewards experts generally value IHG points at 0.5 cents each, which makes this offer worth roughly $700 in IHG stays.
How to earn the bonus: The IHG One Rewards Premier Business Card's welcome bonus is worth 140,000 points and you can earn it after spending $4,000 on purchases in the first three months from account opening.
How to redeem rewards: You can use IHG points to book free reward stays at more than 6,000 IHG Hotels and Resorts around the globe, including Six Senses resorts, Intercontinental hotels and many more brands.
Who's eligible: You won't qualify for this card's welcome offer if you are a current IHG business cardholder or previously had this business card and received a new card member bonus within the last 24 months.
Marriott Bonvoy Business® American Express® Card
The Marriott Bonvoy Business® American Express® Card gives business owners the opportunity to earn up to two free night awards every year and bonus points on common business expenses.
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- LIMITED TIME OFFER: Earn 125,000 Marriott Bonvoy® Points after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership. Terms apply. Offer ends 03/12/2025
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- Terms apply.
Welcome bonus value: Points and miles experts typically value Marriott Bonvoy points at around 0.8 cents each.
How to earn the bonus: Earn 125,000 Marriott Bonvoy® Points after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership. Terms apply. Offer ends 03/12/2025.
How to redeem rewards: You can redeem the Free Night Awards you earn at any participating Marriott location that costs up to 50,000 points for that room. You can top off these awards with up to 15,000 Marriott Bonvoy points. Certain hotels have resort fees. Terms apply.
Who's eligible: There may be restrictions to whether you are eligible for this welcome offer if you have or have had a Marriott Bonvoy card issued by American Express or Chase.
Marriott Bonvoy Boundless® Credit Card
The Marriott Bonvoy Boundless® Credit Card is useful if you're working toward higher levels of Marriott status because of its bonus elite night credits and the elite credit you can earn from spending with the card.
Rewards
- Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining
- 1 Elite Night Credit towards Elite Status for every $5,000 spent
- Earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card
Balance transfer fee
- Either $5 or 5% of the amount of each transfer, whichever is greater
Welcome bonus value: Points and miles experts typically value Marriott Bonvoy points at around 0.8 cents each.
How to earn the bonus: Limited time offer! Earn a $150 Statement credit after you make your first purchase in 12 months, and earn 100,000 Bonus Points after qualifying purchases.
How to redeem rewards: You can use the Free Night Rewards you earn with the Marriott Bonvoy Boundless Credit Card for nights that cost up to 35,000 points. If the hotel you want to book is more expensive, you can use up to 15,000 Marriott Bonvoy points on top of your free night award.
Who's eligible: You are not eligible to receive this card's welcome offer if you have or earned a new card member bonus on certain cobranded Marriott cards in the past 24 months.
Capital One Venture X Business Credit Card
Welcome bonus value: You can redeem Capital One miles for one cent each toward eligible travel purchases, so this bonus is worth at least $1,500 in travel. However, if you transfer your points you can potentially receive a higher value. Experts tend to value Capital One miles at around 1.8 cents per point, which makes this bonus worth up to $2,700.
How to earn the bonus: To qualify for the Capital One Venture X Business Card's 150,000-point welcome bonus, you need to spend $30,000 in the first three months from account opening.
How to redeem rewards: You can use Capital One miles to book travel through Capital One Travel or to offset eligible travel purchases you make with your card. You can also transfer these miles to over a dozen airline and hotel partners like Air Canada Aeroplan, Air France-KLM Flying Blue and British Airways Executive Club.
Who's eligible: If you have or have had a Capital One Spark card, you may not be eligible for this bonus offer.
Hilton Honors Surpass Card
The Hilton Honors American Express Surpass® Card is a solid mid-tier hotel card that offers with statement credits that can easily offset its annual fee.
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
- Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That's up to $200 in statement credits annually.
- Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
- Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 4X Points for each dollar on U.S. Online Retail Purchases.
- Earn 3X Points for all other eligible purchases on your Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
- Enjoy complimentary Hilton Honors ™ Gold Status with your Hilton Honors American Express Surpass® Card.
- Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honorsâ„¢ Diamond Status through the end of the next calendar year.
- As a Hilton Honors American Express Surpass® Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you're enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $150 annual fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Welcome bonus value: If you value Hilton Honors points at 0.5 cents per point, 130,000 points would be worth $650.
How to earn the bonus: Spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
How to redeem rewards: Points can be redeemed for complimentary stays at Hilton Honors properties like DoubleTree and Waldorf Astoria, gift cards, donations and more.
Who's eligible: You may qualify for this offer if you've never had the Hilton Honors American Express Surpass® Card or the Hilton Honors Ascend® Card. Current or previous cardholders are ineligible. Amex also states that it may also consider the number of American Express cards you have opened and closed as well as other factors in deciding on your welcome offer eligibility.
Hilton Honors Business Card
The Hilton Honors American Express Business Card's generous rewards and benefits can help business owners save money on hotel expenses.
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
- Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
- Enjoy complimentary Hilton Honorsâ„¢ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay.
- You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
- As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you're enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
- Terms apply.
Welcome bonus value: If you value Hilton Honors points at 0.5 cents per point, 130,000 Hilton Honors bonus points would be worth $650.
How to earn the bonus: Spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
How to redeem rewards: Points can be redeemed for stays at Hilton Honors properties like DoubleTree and Waldorf Astoria, gift cards, donations and more.
Who's eligible: If you've never had the Hilton Honors American Express Business Card, you may qualify for this offer. Current or previous cardholders are ineligible. Amex also states that it may also consider the number of American Express cards you have opened and closed as well as other factors in deciding on your welcome offer eligibility.Â
Hilton Honors Aspire Card
The Hilton Honors American Express Aspire Card grants you top-tier elite status and a free night reward every year.
Rewards
- 14X points per dollar for eligible purchases on your card made directly with a participating hotel or resort within the Hilton portfolio
- 7X points for eligible purchases on flights booked directly with airlines or amextravel.com, on car rentals booked directly from select car rental companies, and at U.S. restaurants
- 3X points for all other eligible purchases
Welcome bonus value: Many travel rewards enthusiasts have estimated the value of Hilton Honors points at 0.5 cents per point, so 150,000 Hilton Honors points are worth $750 towards Hilton stays.
How to earn the bonus: Spend $6,000 in purchases within your first six months of card membership to earn 150,000 Hilton Honors Bonus Points.
How to redeem rewards: Points can be redeemed for complemtary stays at Hilton Honors properties like DoubleTree and Waldorf Astoria, gift cards, donations and more.
Who's eligible: If you've never had the Hilton Honors American Express Aspire Card, you may qualify for this offer. Current or previous cardholders are ineligible. Amex also states that it may also consider the number of American Express cards you have opened and closed as well as other factors in deciding on your welcome offer eligibility.
Avianca LifeMiles American Express® Elite Card
The Avianca LifeMiles American Express® Elite Card earns miles you can use to book award flights at favorable prices, including with partner airlines such as United Airlines, Lufthansa and Air Canada.
Welcome bonus value: Avianca LifeMiles are typically valued at around 1.7 cents each by rewards experts. That makes this bonus offer worth up to $1,700.
How to earn the bonus: You earn the Avianca LifeMiles American Express Elite Card's bonus in two steps. You'll earn 60,000 LifeMiles after spending $4,500 on purchases in the first 90 days from account opening, and an additional 40,000 LifeMiles after spending $25,000 on purchases in the first 365 days from account opening.
How to redeem rewards: You can use LifeMiles to book flights with Avianca and its airline partners such as United, Lufthansa and Air Canada.
Who's eligible: You are not eligible for this card if you currently have any Avianca LifeMiles American Express card or previously earned a new card member bonus from any Avianca Lifemiles American Express card.
Wyndham Rewards Earner® Plus Card
Wyndham Rewards Earner® Plus Card
Rewards
6X points on eligible purchases made at Hotels by Wyndham; 6X points on gas; 4X points on dining; 4X points at grocery stores (excluding Target and Walmart); 1X points on all other purchases
Welcome bonus
Earn 45,000 bonus points after spending $1,000 on purchases in the first 90 days
Annual fee
$75
Intro APR
0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening. 0% promotional APR for 6 billing cycles on all Wyndham Timeshare Purchases from the transaction date.
Regular APR
19.99% to 29.99% variable
Balance transfer fee
$5 or 5% of the amount of each transfer, whichever is greater
Foreign transaction fee
None
Terms apply.
Welcome bonus value: Experts typically value Wyndham Rewards points at about 1.1 cents each, which makes this bonus offer worth around $1,100 in Wyndham stays.
How to earn the bonus: To earn the Wyndham Rewards Earner Plus Card's intro bonus of 100,000 points, you need to spend $2,000 on purchases in the first six months of account opening.
How to redeem rewards: Wyndham has three pricing tiers for redeeming points for awards, you'll pay 7,500, 15,000 or 30,000 points per bedroom.
Who's eligible: According to the offer terms, you may not be eligible for this card's intro bonus if you have or have had the card.
Wyndham Rewards Earner Business Card
Wyndham Rewards Earner Business Card
Rewards
Earn 8X points on eligible purchases made at Hotels by Wyndham; 8X points on qualifying gas purchases; 5X points on eligible marketing, advertising and utilities purchases; 1X points on all other purchases
Welcome bonus
Earn 45,000 bonus points after spending $3,000 on purchases and paying the annual fee in full, both within the first 90 days
Annual fee
$95
Intro APR
0% promotional APR on all "Wyndham Timeshare Purchases" for 6 billing cycles from the transaction date
Regular APR
20.49% to 29.49% variable
Balance transfer fee
$5 or 3% of the amount of each transfer, whichever is greater
Foreign transaction fee
None
Terms apply.
Welcome bonus value: Wyndham Rewards points are usually valued at around 1.1 cents each. So you can expect to receive roughly up to $1,100 in value from this card's bonus offer.
How to earn the bonus: To earn the Wyndham Rewards Earner Business Card's full 100,000-point intro bonus, you need to meet the tier spending requirement. You'll earn 50,000 points after spending $4,000 on purchases in the first 90 days, and an additional 50,000 points after spending $15,000 on purchases within the first 12 months.
How to redeem rewards: Wyndham award nights cost 7,500, 15,000 or 30,000 points per bedroom, so you could book up to 13 nights with this bonus.
Who's eligible: According to the offer terms, you may not qualify for the welcome bonus if you currently have or previously have had this card.
How much 100,000 points are worth
Not all points are created equal, so the exact value varies based on the credit card and rewards program. Generally, 100,000 points are worth between $500 and $2,000. You'll usually see higher value with flexible rewards programs like Chase Ultimate Rewards and American Express Membership Rewards.
FAQs
Can I get a higher sign-up bonus after the account is opened?
While there are no set rules as to whether you can match a higher sign-up bonus after you've already been approved for a card with a lower bonus, some issuers are known for being more flexible than others so there's no harm in reaching out to ask.
Does American Express match welcome bonuses?
Reports suggest that American Express does not match higher welcome bonuses. However, if you're lucky, you may be offered bonus points upon request as a goodwill gesture.
Can I sign up for the same card twice and get the sign-up bonus?
Every issuer has different eligibility rules for sign-up bonuses. Some issuers allow you to earn sign-up bonuses on the same card multiple times, but you generally must cancel your card before you can apply again.
Will the Chase Sapphire Reserve 100k bonus come back?
New Chase Sapphire Reserve® cardholders can earn 75,000 bonus points after they spend $4,000 on purchases in the first 3 months from account opening. When the Chase Sapphire Reserve first launched in 2016, cardmembers were offered a limited-time 100,000-point sign-up bonus. Although there have been elevated bonuses, the card hasn't offered this high of a bonus since then, so it's unlikely we'll ever see a 100,000-point offer again.
Why trust CNBC Select?
At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.
Read more
For rates and fees of The Business Platinum® Card from American Express, click here.
For rates and fees of the Hilton Honors American Express Aspire Card, click here.
For rates and fees of the Hilton Honors American Express Surpass® Card, click here.
For rates and fees of the Hilton Honors American Express Business Card, click here.
For rates and fees of the Marriott Bonvoy Business® American Express® Card, click here.
