100,000 Point Bonus Offers To Stock Up On From Home

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Only weeks ago frequent flyers could ‘party like it was 1999’, available rewards card bonuses were in the stratosphere – the competition for top card customers was fierce. Chase and United signed a new card deal, which guaranteed even more marketing spend to acquire cardmembers. American and Citibank and Barclays were negotiating a new deal. Chase was proud of all of the products they had refreshed, while American Express revamped its portfolio to compete in the new, more aggressive reality.

Now most of us are grounded for awhile. The big bonuses are still out there, though I wonder whether we could see those scaled back soon as banks become less willing to extend credit and less interested in spending as much to acquire customers in a down economy.

That’s why this could be a great time to focus on rewards cards. The offers are large – and they’re still available. That could change. So I’m highlighting current offers of 100,000 points or more for card approval and meeting minimum spend requirements.

  1. Ink Business Preferred® Credit Card has an 100,000 point offer after you spend $15,000 on purchases in the first 3 months from account opening. Chase points are super valuable because they transfer directly to a variety of airlines and hotels, and I like bank points now as a hedge against what happens to any individual frequent flyer program. Until mere days ago this offer was ‘only’ 80,000 points.

    The card earns 3 points per dollar on travel — that’s airlines, hotels, rental cars, tolls, even Uber — and 3 points per dollar on shipping and advertising on social media and search engines, so great for anyone who advertises on Facebook or Twitter, or who spends money advertising with Google. It also comes with $600 protection against theft or damage when you use it to pay your cell phone.

  2. Southwest Rapid Rewards® Performance Business Credit Card is offering up to 100,000 Rapid Rewards points: 70,000 points after you spend $5,000 on purchases in the first 3 months. Plus, earn an additional 30,000 points after you spend $25,000 on purchases in the first 6 months.

    With required spending earning that full bonus means at least 125,000 points – enough to also earn a Companion Pass which allows you to take a designated companion with you for just security taxes when you fly Southwest even on points. A companion pass effectively doubles the value of your points, making 125,000 points worth nearly $3750 in travel. I’ve earned my 2021 companion pass already, a great opportunity to think about for when you’re traveling again.

    The card rebates the cost of four A1 – A15 boardings per year and also the fee for Southwest Airlines wifi service up to 365 times per year.

    southwest airlines boeing 737

  3. United Club℠ Infinite Card just launched with an offer to earn 100,000 bonus miles after $5,000 in purchases in the first three months from account opening. It’s a rare Visa Infinite and earns 4 miles per dollar on United purchases (making it superior for United purchases than the Chase Sapphire Reserve Card even); 2 miles per dollar on dining and on non-United travel; 1 mile per dollar spent on other purchases.

    Like the older club card this comes with United Club membership; first and second checked bag free; priority check-in and boarding; Hertz car rental status. However they’ve added up to a $100 statement credit for Global Entry or TSA Precheck and a 25% discount on inflight purchases.

  4. UnitedSM Business Card is an all new product this year with a limited-time offer: 100,000 bonus miles after $10,000 in purchases in the first three months from account opening.

    You get first checked bag free, priority boarding, and two United Club passes both at account opening and again on each cardmember anniversary.

    This $99 annual fee card will give you a $100 annual United travel credit after seven United flight purchases of $100 or more. In addition they encourage you to have both a business and personal United card because this card offers 5,000 bonus miles each anniversary when you have this new United Business Card and a personal United card.

    united polaris seat

  5. Delta SkyMiles® Platinum American Express Card has a limited time offer that expires April 1, 2020 to earn up to 100,000 bonus miles: Earn 80,000 bonus miles after you spend $3,000 in purchases on your new card in your first 3 months. Plus, earn an additional 20,000 bonus miles after your first anniversary of cardmembership. [Offer expired]

    Spending on this card can help earn Delta elite status. It’s called Status Boost(TM) and you earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year getting you closer to Medallion Status. (MQMs are used to determine Medallion Status and are different than miles you earn toward flights.)

    Ongoing earn is 3X Miles on Delta purchases and purchases made directly with hotels; 2X Miles at restaurants and at U.S. supermarkets; 1X Mile on all other eligible purchases.

    Benefits include your first checked bag free and Main Cabin 1 Priority Boarding on Delta flights and a fee credit for Global Entry or TSA Pre✓®. Cardmembers can pay for Delta Sky Club® access on a per visit basis at $39 per person for you and up to two guests when traveling on a Delta flight, and receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.

  6. British Airways Visa Signature® Credit Card lets you earn 100,000 Avios: 50,000 Avios after $3,000 spent within the first three months and another 50,000 Avios after $20,000 spent in total purchases in the first year. It also gives you a promo code or 10% off British Airways tickets when you pay with the card.

    And spending $30,000 on the card in a calendar year gets you a companion award ticket for just the taxes and fees.

    Crucially the card has brand new improved earning for spend and offers a statement credit for taxes and fees when redeeming British Airways Avios for BA transatlantic flights originating in the U.S. You can get up to $600 a year rebated (3 credits a year up to $200 each).

    british airways first class seat

  7. IHG® Rewards Club Premier Credit Card has a best-ever offer for you to earn 140,000 bonus points after spending $3,000 on purchases within the first three months of account opening. [Offer expired]

    You’ll receive a reward night after each account anniversary year at eligible IHG hotels worldwide. One of the best features is that cardholders receive a reward night each time they redeem points for any stay of 4 or more nights. So that’s better than the ‘5th night free’ from Hilton, and amounts to a 25% discount on four night award stays.

    Cardmembers receive platinum status for as long as they remain a cardmember. There’s a Global Entry or TSA Precheck fee credit (up to $100 every 4 years) as well.

  8. Hilton Honors American Express Surpass® Card has an initial bonus of 125,000 Hilton Honors Bonus Points after you spend $2,000 on the new card within 3 months.

    Each year you spend $15,000 on the card you’ll earn a weekend night reward, and $40,000 in a calendar year earns Hilton Diamond status through the end of the next calendar year.

    Ongoing earn is 12 Hilton points per dollar on purchases directly with a participating hotel or resort within the Hilton Portfolio; 6 per dollar at U.S. restaurants, U.S. supermarkets, and U.S. gas stations; and 3 per dollar for all other eligible purchases.

Think there’s a card that belongs on this list but isn’t here, leave a comment!

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community InsideFlyer.com, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of advertisers Citibank, Chase, American Express, Barclays, Capital One or any other advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.


  1. Not sure how wise it is to stock up on bank points at this moment with everything going on. Could see significant devaluations in programs across the board.

  2. Bill,

    I take the opposite side on this. Today we saw Hilton announce huge program changes to benefit HHonors members…my Diamond status will be extended for over a year, just to name one benefit. Once we emerge from this crisis, the travel industry will be doing handsprings to encourage us to get on planes and ships, rent cars, and stay in hotels. Expect a bonanza for customers. Go for the points! Nothing to lose!

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