100,000-Point Club: Travel Credit Cards with Six-Figure Welcome Bonuses

We’ve curated a list of the best welcome bonus rewards for credit cards.

I remember a time when the best welcome bonuses were 50,000 points. Whether it was miles, points, or some other reward – fifty thousand was the gold standard.

The regular cards offered like twenty or thirty, while the best ones offered fifty.

Nowadays, the best have outdone themselves by offering six-figure bonuses. There’s something magical about getting a 100,000 influx into your account and seeing how much that can get you in hotel stays and flights. Heck, turn it into cash or gift cards and enjoy a staycation.

These are some of the best offers because they are from companies and cards that are useful. These aren’t 100,000 points to some obscure hotel chain or an airline that services a limited market, these are Membership Rewards, Chase Ultimate Rewards, Hilton, and others – you know these names and you visit places where you can save money by using points.

Some of these offers are for a limited time only, so snatch them up and bank the points if you want them. (also peek the perks that come with the card, which often include complimentary status upgrades, travel credits, and more)

Cards change up their offers from time to time and some of the cards on this list do not have 100,000 point bonuses anymore. I keep them on the list, with updated information, because they might come back. It never hurts to keep an eye out!

Table of Contents
  1. Chase Sapphire Preferred Card
  2. British Airways Visa Signature Card
  3. Aer Lingus Visa Signature Card
  4. Marriott Bonvoy Brilliant™ American Express® Card
  5. Marriott Bonvoy Boundless™ Credit Card
  6. Hilton Honors American Express Card
  7. IHG® Rewards Club Premier Credit Card
  8. Business Platinum® Card from American Express
  9. Hilton Honors American Express Business Card

Chase Sapphire Preferred Card

The Chase Sapphire Preferred Card was named the Best Travel Credit Card by Money Magazine in part because they will give you 100,000 Ultimate Rewards points after you spend $4,000 in purchases within the first three months. It’s not only a six-figure bonus but Chase Ultimate Rewards points – one of the most versatile points out there and consistently rated as one of the most valuable by experts. You can convert to cash, gift cards, or get a bonus for booking travel through Chase Ultimate Rewards.

You earn 5x points on travel purchased through Chase Ultimate Rewards, 3x points on other travel, 1x on everything else (plus a $50 annual Ultimate Rewards Hotel Credit). There are no foreign transaction fees and the annual fee is $95.

Learn more about this card and others

British Airways Visa Signature Card

Chase British Airways CardThe British Airways Visa Signature Card offers 100,000 Avios. after you spend $5,000 on purchases within the first 3 months from account opening.. That’s a pretty sizable bonus!

This travel card lets you earn 5 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL within your first 12 months from account opening, thereafter earn 3 Avios. Earn 3 Avios per $1 spent on hotel accommodations when purchased directly with the hotel within your first 12 months from account opening, thereafter earn 2 Avios. Plus earn 1 Avios per $1 spent on all other purchases..

There are no foreign transaction fees and you get a Travel Together Ticket if you spend $30,000 each calendar year. The Travel Together Ticket is good for two years and it lets someone fly with you (they just pay taxes, fees, and carrier charges) when you redeem Avios for a flight on British Airways.

This card has an annual fee of $95 and no foreign transaction fees.

Learn more about this card and others

Aer Lingus Visa Signature Card

Aer Lingus is another card that offers 100,000 Avios after you spend $3,000 on purchases within the first 3 months of account opening. It has a $95 annual fee.

You also earn 5 Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and LEVEL within your first 12 months from account opening, thereafter earn 3 Avios. Earn 3 Avios per $1 spent on hotel accommodations when purchased directly with the hotel within your first 12 months from account opening, thereafter earn 2 Avios. Plus earn 1 Avios per $1 spent on all other purchases..

Learn more about this card and others

Marriott Bonvoy Brilliant™ American Express® Card

If you are comfortable with a $450 annual fee, the Marriott Bonvoy Brilliant™ American Express® Card will give you the opportunity to earn up to 75,000 Marriott Bonvoy points as a welcome bonus when you spend $3,000 in purchases in the first three months; plus earn up to $300 in Statement Credits for eligible purchases at hotels participating in the Marriott Bonvoy(TM) program. Terms Apply.

The annual fee may seem steep but it comes with lots of benefits, including $300 in statement credits each year for eligible purchases at Marriott Bonvoy hotels. You also receive 1 free Night Award every year after the anniversary too.

This is on top of the point-earning structure of 6 points for each dollar spent at hotels participating in the Marriott Bonvoy(TM) program, 3 points for each dollar spent at U.S. restaurants and on flights booked directly from an airline, and 2 points on all other eligible purchases. No foreign transaction fees. (See Rates and Fees)

Learn more about this card and others

Marriott Bonvoy Boundless™ Credit Card

The Marriott Bonvoy Boundless Credit Card is a new credit card tied to the brand new Marriott Bonvoy program. You can get 3 Free Nights (each night valued up to 50,000 points) after spending $3,000 on purchases in your first three months. This card is appealing especially after Marriott and Starwood combined, thus increasing the number of places you can use the points (6,500+ hotels in 110+ countries!).

You are given automatic Silver Elite status every year you have the card and you get an upgrade to Gold Status when you spend $35,000 on purchases each year. Enrollment required. There are no foreign transaction fees on this card.

Other perks of the card include a Free Night Reward every year as well as 6 points per dollar spent at Marriott Bonvoy hotels. You earn 2 points per dollar spent on all other purchases.

There is a $95 annual fee.

Learn more about this card and others

Hilton Honors American Express Card

The Hilton Honors American Express Card offers 80,000 Hilton Honors Points after you spend $1,000 in purchases within the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $5,000 in purchases on the card in the first 6 months.. Terms Apply.

The reward structure is a little different than the Hilton Honors Surpass Card:

  • 7X Hilton Honors Bonus Points per dollar for each eligible purchase on your Card made directly with a hotel or resort within the Hilton portfolio.
  • 5X Hilton Honors Bonus Points for eligible purchases on U.S. supermarkets, U.S. gas stations, and at U.S. restaurants.
  • 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.

You get complimentary Hilton Honors Silver status with the card plus you get Gold if you spend $20,000 on eligible purchases in a calendar year. $0 annual fee. (See Rates and Fees)

Learn more about this card

IHG® Rewards Club Premier Credit Card

IHG® Rewards Club Premier Credit CardThe InterContinental Hotels Group (IHG) Club Premier Credit card is a Chase branded card that offers 150,000 bonus points after you spend $3,000 in purchases within the first 3 months of opening your account.

There’s also a Free Night perk after each account anniversary at an eligible IHG hotel as well as a free reward night when you redeem points for any stay of 4+ nights. The card gives you 10 points per $1 spent when you stay at an IGH hotel as well as 2 points per $1 spent at gas stations, grocery stores, and restaurants. 1 point per dollar spent elsewhere.

Cardmembers are given Platinum Elite status too as well as a Global Entry or TSA PreCheck fee credit of up to $100 every four years. $0 intro annual fee for the first year, then an $89 annual fee.

Learn more about this card and others

Business Platinum® Card from American Express

Platinum Card from American ExpressThe Business Platinum® Card from American Express has an offer of 100,000 Membership Rewards points after you spend $15,000 within the first 3 months

(it’s worth noting that the Business Platinum® Card from American Express is not a typical credit card, it allows you to carry a balance for certain charges but not all)

This card also offers 5X Membership Rewards points on flights and prepaid hotels on amextravel.com as well as 50% more points on Purchases of $5,000 or more and 1X points for each dollar spent on eligible purchases. There’s also a 35% airline bonus when you use Membership Rewards Pay with Points for all or part of a flight with your selected qualifying airline, you get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.

This card offers a lot of travel perks:

  • You get access to the American Express Global Lounge Collection, which includes 1,100+ airport lounges in 500+ airports (The Centurion® Lounge, The International American Express Lounges, Delta SkyClub, Priority Pass Select, Airspace Lounge, and Escape Lounges).
  • You get complimentary upgrades at Fine Hotels & Resorts.
  • $179 CLEAR credit
  • Complimentary upgrade to Starwood Preferred Guest Gold status
  • Complimentary upgrade to Hilton Honors Gold status.
  • No foreign transaction fees
  • Fee credit for Global Entry or TSA Precheck (every four years, which is when they are renewed)
  • Complimentary Wi-Fi on Boingo American Express Preferred Plan
  • $200 Airline Fee credit, up to $200 a calendar year in baggage fees and more at one airline.

This card has an $595 annual fee. (See Rates and Fees)

Learn more about this card

Hilton Honors American Express Business Card

This card offers one of the higher numerical welcome bonus – 130,000 Hilton Honors Bonus points after $2,000 in eligible purchases within the first 3 months of Card Membership. Then, earn an additional 50,000 Hilton Honors Bonus points after you spend a total of $10,000 in purchases on the card in the first 6 months.. Terms Apply. We don’t list it first because these are Hilton Honors points, rather than more broadly useful Membership Rewards, but you can’t beat this offer.

The rewards structure is a fairly standard 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases

In addition to the bonus, you get complimentary Gold status, a Weekend Night Reward after you spend $15,000 in purchases in a calendar year (a second Weekend Night Reward when you spend an additional $60,000), plus 10 free airport lounge visits each year once you enroll in Priority Pass Select (1,000 lounges in over 120 countries).

This card has a $95 annual fee. (See Rates and Fees)

Learn more about this card

So where will you go with your points today? 🙂

To see the rates and fees for the American Express cards featured, please visit the following links: Hilton Honors American Express Business Card: See Rates and Fees. The Business Platinum Card(R) from American Express: See Rates and Fees. Hilton Honors American Express Surpass Card: See Rates and Fees. Hilton Honors American Express Card: See Rates and Fees. Marriott Bonvoy Brilliant American Express Card: See Rates and Fees.

Other Posts You May Enjoy:

How to Apply for a US Passport

If you’re planning on traveling outside the country in the next few months, you’ll need to obtain a passport. It’s…

Are Timeshares Worth It?

No! I'm willing to bet that on more than one vacation, someone has come up to you and offered you…

About Jim Wang

Jim Wang is a thirty-something father of four who is a frequent contributor to Forbes and Vanguard's Blog. He has also been fortunate to have appeared in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money.

Jim has a B.S. in Computer Science and Economics from Carnegie Mellon University, an M.S. in Information Technology - Software Engineering from Carnegie Mellon University, as well as a Masters in Business Administration from Johns Hopkins University. His approach to personal finance is that of an engineer, breaking down complex subjects into bite-sized easily understood concepts that you can use in your daily life.

One of his favorite tools (here's my treasure chest of tools,, everything I use) is Personal Capital, which enables him to manage his finances in just 15-minutes each month. They also offer financial planning, such as a Retirement Planning Tool that can tell you if you're on track to retire when you want. It's free.

He is also diversifying his investment portfolio by adding a little bit of real estate. But not rental homes, because he doesn't want a second job, it's diversified small investments in a few commercial properties and farms in Illinois, Louisiana, and California through AcreTrader.

Recently, he's invested in a few pieces of art on Masterworks too.

Reader Interactions

Leave a Comment:

Comments

About the comments on this site:

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

  1. Jay @ 5to9 Living says

    Thank you for compiling. I was just in the market for a travel bonus card. We ended up going with the Uber credit card. There isn’t a major sign up bonus, but the cashback rewards are better than any other card or point equivalent I’ve seen. We will sign up for another at some point and I’ll keep this post handy for reference.

  2. Beavis says

    I’ve got strong considerations for the BA card. I really like the point pooling for families, however, BA doesn’t fly out of my airport and would have to drive 7 hrs to ORD to take advantage of the companion ticket.

    • Jim Wang says

      Yeah that would be a bummer, it’s not a benefit if you’ll never use it (and 7 hours is way too far!).

  3. GYM says

    Man I wish we had such lucrative bonuses in Canada!!

    I met someone who lived in the US for a while and racked up some major points and flew to Maldives for their honeymoon. And recently took a business class trip to New Zealand with their baby. Awesome…

As Seen In: