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Choosing the best credit card can be difficult when your favorite options have many similar features. When you can’t decide which card to go for, you may consider choosing the highest signup bonus. Additionally, several top travel credit cards also have incredible 100k bonus offers—the highest offers we’ve ever seen on some of these cards! Let’s look at which credit card has the highest bonus and which card can work for you.

Some of the credit cards with the highest bonus offers have partnerships with major travel brands, such as Hyatt. 7Pines Resort Ibiza. Credit: Hyatt

Terms apply to American Express benefits and offers. Visit to learn more.

Which Credit Card Has the Highest Bonus?

As previously mentioned, there are several incredible offers available now. Plus, several cards on this list have recently been upgraded and revamped, adding more value for cardholders. Here is a preview of cards featured:

The Platinum Card from American Express (Up to 150,000 Points)

The Platinum Card® from American Express has the highest welcome bonus in the premium travel credit card category.

This bonus has two different parts:

  • Earn 100,000 Membership Rewards after spending $6,000 in the first 6 months
  • And 10x Membership Rewards on restaurants worldwide and Shop Small in the U.S. purchases in the first 6 months (on the first $25,000 then 1x points)

The 100,000 bonus Membership Rewards are worth $1,000 in travel rewards and gift cards.

Learn more: Johnny Jet Recommended Credit Cards    

The welcome offer may also be one of the best bonuses you may receive if you qualify for the targeted 150,000 bonus Membership Rewards ($1,500 value).

In addition to the massive bonus, the Platinum Card offers a host of travel and retail perks. Get the full details and learn more in our in-depth The Platinum Card from American Express review.

The annual fee is $695 (See Rates & Fees) but can be offset with the perks, which are valued at over $1,400.  

Related: How Hard Is It To Get The American Express Platinum Card?

IHG Rewards Club Premier Credit Card (150,000 Hotel Points)

The IHG® Rewards Club Premier Credit Card lets you receive 150,000 IHG points (up to 30 free nights) after the first $3,000 in purchases within the first 3 months. Plus, the introductory annual fee is $0 for the first 12 months and then $89 each card anniversary.

IHG award nights start at 5,000 points per night but most properties require 15,000-35,000 points. You can find excellent ways to redeem IHG points at popular destinations across the United States.

Valuable card benefits include:

  • Earn up to 10x IHG points on purchases
  • One anniversary night each card renewal (40,000 points or less)
  • 4th reward night on 4+ night award stays
  • IHG Platinum Elite loyalty status
  • Global Entry or TSA PreCheck application fee credit
  • No foreign transaction fee

The annual free night certificate can be an easy way to offset the annual fee and is redeemable for any night of the week at participating properties.

Related: IHG Rewards Club Premier Review

United Quest Card (80,000 Miles)

New United Quest Card cardholders can earn 80k bonus miles after spending $5,000 on purchases in the first 3 months of their account opening. 

There are several other airline credit cards offering 100,000 bonuses. Your preferred airline might make the list.

Other United Quest Card benefits include:

  • $125 annual United purchase credit
  • Two free checked bags for the primary cardmember and 1 companion
  • Two 5,000-mile anniversary award flight credits when booking award flights
  • Global Entry or TSA PreCheck fee credit
  • 25% back on United in-flight purchases

Earn 3x miles on United® purchases, 2x miles on dining, select streaming services & all other travel, 1x on all other purchases.

The annual fee is $250 for the primary card and $0 for additional cards.

Chase Freedom Unlimited ($200 Bonus Cash)

Cash back credit cards without an annual fee like the Chase Freedom Unlimited® can give you more flexibility with how you redeem your purchase rewards.

You can get $200 cash back after spending $500 in the first 3 months.

The card is also offering 5% back on grocery store purchases in the first 12 months (not including Target® or Walmart® purchases) on the first $12,000 spent in the first year, then 1.5% back.

The ongoing cash back categories for the Chase Freedom Unlimited are:

  • 5% back on travel purchases on Ultimate Rewards
  • 3% back on dining and drugstore purchases
  • 1.5% back on all remaining purchases

You can redeem your rewards for cash, travel, and gift cards with a redemption value of 1 cent. If you have a Chase Sapphire card, you can transfer your Freedom points to your Sapphire account to get the travel redemption bonus (25% or 50%) and 1:1 point transfers.

Honorable Mention: The Blue Cash Preferred Card from American Express

The Blue Cash Preferred® Card from American Express earns 6% Cash Back at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%). Cardholders also earn 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), and 1% Cash Back on other purchases.

Cardholders can also enjoy $0 plan fees when using Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.

The welcome bonus is the ability to earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. There is a $0 introductory annual fee for the first year, then $95 (See Rates & Fees).

You will receive cash back in the form of statement credits.

Learn more: Cash Back Credit Cards

Ink Business Preferred Credit Card (100,000 Points)

The Ink Business Preferred® Credit Card is offering 100,000 Ultimate Rewards ($1,250 value) after spending $15,000 in the first 3 months.

In addition to being the best bonus offer for small business credit cards, you can enjoy some amazing perks:

  • Earn up to 3x points on business purchases, including travel
  • 25% travel redemption bonus
  • 1:1 airline and hotel point transfers
  • Cell phone protection (up to $600 per claim)

Learn all about it in our Chase Ink Business Preferred review. The annual fee is $95 for the primary card and $0 for additional cards.

Related: How Hard Is It To Get the Chase Ink Business Preferred?


These signup bonuses give you some extra points to book an award trip sooner and also increase the spending power on your initial purchases. You can also enjoy some valuable ongoing benefits that can make keeping the card worth it in the long term.

Related Articles:

For rates and fees of The Platinum Card® from American Express, please click here.

For rates and fees of The Blue Cash Preferred® Card from American Express, please click here.

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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

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