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If you want to boost your balance of rewards points or frequent flyer miles, earning a credit card's welcome bonus offer is your best bet. These welcome bonus offers, which typically require meeting a minimum spending requirement in a specific time frame, can get you thousands of reward points.

Now is a great time to pick up a new card, because there are a few fantastic offers available, including some that hit — and even pass — the 100,000-point mark. While points and miles programs each have their pros and cons, each of these 100,000-plus points bonuses is a fantastic value.

We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Compare the best credit cards with welcome bonus offers of 100,000+ points

Reviews of credit cards with high welcome bonus offers

Our analysis of these credit card welcome bonus offers includes the total potential value you can get if you earn each full welcome bonus offer (that means hitting all tiers for offers that include multiple spending thresholds), using the average point value from Insider's points and miles valuations.

Keep in mind that transferable credit card points — like Chase Ultimate Rewards®, Amex Membership Rewards, Citi ThankYou Rewards, and Capital One miles — are generally more valuable than hotel points or airline miles. That's because you have more high-value options for using them, including transferring rewards to multiple travel programs.

Amex Platinum 

The Platinum Card® from American Express is offering one of the best bonuses we've seen in recent months: 100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership.

American Express Membership Rewards points are worth, on average, 1.8 cents each based on Insider's valuations. So you can expect to get around $1,800 in value from this bonus when you transfer points to Amex's airline and hotel partners.

You can receive hundreds of dollars in value from perks like up to $200 in Uber (including Uber Eats) credits** per year and up to $100 in annual Saks Fifth Avenue credits**. The card also comes with excellent shopping and purchase benefits, including return protection, extended warranty, and targeted discounts and bonuses through Amex Offers**.

Read more about the Amex Platinum:

Amex Business Platinum

Small-business owners should also consider The Business Platinum Card® from American Express , which currently has a welcome bonus offer of 120,000 Membership Rewards® points after spending $15,000 on eligible purchases with your card within the first 3 months of card membership.

Based on Insider's valuation of Amex points at 1.8 cents each, you can expect to get around $2,160 in value from this bonus if you transfer points to Amex's airline and hotel partners.

Read more about the Amex Business Platinum:

Chase Ink Business Preferred

Based on Insider's valuations, the Ink Business Preferred® Credit Card offer to earn 100,000 points after spending $15,000 on purchases in the first 3 months from account opening is worth as much as $1,800.

Spending $15,000 in three months won't be doable for everyone, but remember: This is a small-business credit card. That means it's meant for companies and sole proprietors that can rack up significant work expenses each month.

Read more about the Ink Business Preferred card:

Marriott Bonvoy Brilliant

The premium Marriott Bonvoy Brilliant™ American Express® Card just got a major makeover (and a higher $650 annual fee to boot). If you're loyal to Marriott and can use upscale benefits like automatic Platinum elite status, up to $25 per month in dining credits, and a free night certificate worth up to 85,000 points after every card anniversary, this card can be well worth it.

New cardholders can earn 150,000 Marriott Bonvoy® bonus points after you use your new card to make $5,000 in purchases on the card within the first 3 months. That's worth about $1,050 in stays, based on Insider's valuation of Marriott points at 0.7 cents apiece, on average.

Read more about the Marriott Bonvoy Brilliant card:

Marriott Bonvoy Bountiful and Marriott Bonvoy Bevy

Marriott recently unveiled two new credit cards — the Chase Marriott Bonvoy Bountiful™ Card from Chase and Marriott Bonvoy Bevy™ American Express® Card. Both cards have a welcome bonus offer of 125,000 Marriott Bonvoy points after spending $4,000 in eligible purchases on your card in the first three months from account opening (worth about $875 in stays). The annual fee on either card is $250.

Aside from minor differences in earning rates and benefits, these cards are almost identical. Cardholders receive automatic Marriott Gold elite status, 1,000 bonus points per eligible Marriott stay when they pay with their card, and the opportunity to earn a free award night (worth up to 50,000 points) after spending $15,000 in a calendar year.

Read more about the Marriott Bonvoy Bountiful and Bevy cards:

Marriott Bonvoy Boundless

Even if you only stay with Marriott occasionally, the Marriott Bonvoy Boundless® Credit Card is worth considering. Right now, it's got a welcome bonus offer of 100,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening. The card recently received a bit of a makeover, adding new bonus categories and the ability to earn one elite night credit for every $5,000 spent on the card.

Marriott points are worth 0.7 cents each, on average, based on Insider's valuations, so you can expect to get around $700 in stays from this bonus.

By far the most valuable perk on this card is the free night certificate cardholders receive every year on their card anniversary. Valid at Marriott hotels that cost up to 35,000 points, you can get a value that surpasses the card's $95 annual fee.

Read more about the Marriott Bonvoy Boundless card:

Marriott Bonvoy Business Card

The Marriott Bonvoy Business® American Express® Card is a great choice for small-business owners who stay with Marriott, and it's got a great welcome bonus offer right now: 100,000 bonus Marriott Bonvoy points after spending $4,000 in purchases in the first 3 months of card membership (offer expires 11/2/22). According to Insider's valuations, that's worth about $700 in travel.

There's a $125 annual fee, but it's easy to offset the cost with the free night certificate you'll receive each year after your renewal month, valid at Marriott Bonvoy hotels that cost up to 35,000 points per night. 

The card also comes with automatic Marriott Gold elite status, 15 elite night credits per year, and a 7% discount off standard rates on standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly.

Read more about the Marriott Bonvoy Business Card:

Hilton Honors American Express Card

The Hilton Honors American Express Card doesn't always have a six-figure welcome bonus, but right now it's offering 100,000 bonus points after spending $1,000 in purchases on the card in the first 3 months of card membership plus up to $100 in statement credits on eligible purchases made on the card at any of the Hilton family hotels in the first 12 months of membership (offer expires 10/26/22). That's worth around $500 in stays, based on Insider's valuations.

For a no-annual-fee card, the Hilton Honors American Express Card comes with a decent array of benefits, including automatic Hilton Silver status (unlocking the ability to get the fifth night free on award stays of five nights or more), car rental insurance, purchase protection, and extended warranty.

Read more about the Hilton Honors American Express card:

Hilton Honors American Express Surpass Card

The Hilton Honors Surpass® Card is a great choice for Hilton travelers, with a moderate annual fee, solid earning rates, and mid-range elite status. You can currently earn a welcome bonus offer of 130,000 points after spending $2,000 in eligible purchases on the card in the first 3 months of card membership.

If you earn the full bonus, you can expect to get around $650 worth of Hilton stays, based on Insider's points and miles valuations. 

Read more about the Hilton Honors Surpass American Express card:

Hilton Honors American Express Aspire Card

In addition to offering several annual statement credits and top-tier Hilton Diamond elite status, the Hilton Honors American Express Aspire Card is offering an intro bonus of 150,000 points after you spend at least $4,000 in your first 3 months of account opening.

This is a great card if you stay with Hilton a lot because of all the benefits it offers, and the bonus is worth around $750 in stays based on Insider's valuations.

Read more about the Hilton Aspire card:

Hilton Honors American Express Business Card

The welcome bonus offer on the The Hilton Honors American Express Business Card is 130,000 bonus points after spending $3,000 in purchases on the card in the first 3 months of card membership.

It's possible to get around $650 in Hilton stays from this offer, based on Insider's valuations.

Read more about the Amex Hilton Honors Business card:

IHG Rewards Premier Card

The IHG® Rewards Premier Credit Card is one of the best hotel credit cards, and it's currently offering a whopping 140,000 bonus points and 1 free night after spending $3,000 on purchases in the first 3 months from account opening.

You can expect to get around $980 in hotel stays from this offer, not including the value of the free night certificate. IHG points are worth an average of 0.7 cents apiece based on Insider's points and miles valuations — but the exact value you'll get depends on how and where you redeem your points. 

Read more about the IHG Rewards Club Premier card:

IHG Rewards Premier Business Card

For small-business owners who stay with IHG frequently, the IHG® Rewards Premier Business Credit Card can make a lot of sense. It's currently offering a welcome bonus of 140,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening (worth around $980 in stays, based on Insider's valuations).

Cardholders receive automatic Platinum elite status, an annual free night award worth up to 40,000 points, and a Global Entry, TSA PreCheck, or NEXUS application fee credit, among other benefits. There's a $99 annual fee, but the free night each year alone can be worth much more than that.

Read more about the IHG Rewards Premier Business card:

British Airways Visa Signature Card

The British Airways Visa Signature® Card is offering an increased bonus of 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening and earn an additional 25,000 Avios after you spend $20,000 in the first 12 months of account opening. Insider values British Airways Avios points at 1.3 cents apiece, so this offer is worth around $1,300 in flights.

In addition, if you spend $30,000 or more in a calendar year, you'll receive a Travel Together Ticket, which gets you a second seat for a companion when you book a British Airways award flight originating in and returning to the US.

Read more about the British Airways Visa Signature card:

Iberia Visa Signature Card

The Iberia Visa Signature® Card is also offering 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening and earn an additional 25,000 Avios after you spend $20,000 in the first 12 months of account opening, but there are some minor differences between it and the British Airways version.

Instead of a Travel Together Ticket, Iberia Visa Signature® Card cardholders will receive a $1,000 discount voucher when they spend $30,000 or more in a calendar year. It's valid for use on the purchase of two paid tickets on the same itinerary, and you must book your tickets through Chase's Iberia site to get the discount.

Read more about the Iberia Visa Signature card:

Aer Lingus Visa Signature Card

New Aer Lingus Visa Signature® Card cardholders can earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening and earn an additional 25,000 Avios after you spend $20,000 in the first 12 months of account opening, and you can keep those Avios in your Aer Lingus account or transfer them to your British Airways or Iberia account if you prefer those award programs for booking flights.

You'll receive a Companion Ticket after you spend $30,000 or more in a calendar year, but it's only valid between the US and Ireland, on round-trip award flights originating in and returning to the US. However, your companion will fly completely free — there are no taxes, fees, or surcharges added to the second ticket.

Read more about the Aer Lingus Visa Signature card: