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Is there a credit card with a 200,000 miles bonus? Not at the moment, but several get close to reaching this threshold and enjoy close to $2,000 to travel rewards. Here are some of the most valuable credit card offers for personal and business travel.

200k miles bonus
Izu Marriott Hotel Shuzenji, Japan. Credit: Johnny Jet

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Earning a 200k Miles Bonus

If earning a 200k miles bonus (or points bonus) is something that you’d like to get but feel like it’s going to come with a huge spending requirement, you’ll be happy to know that it is not always the case. Not only that, some bonuses come with a 6-month extension. Here are some of the best 200k miles bonus offers (or offers worth close to 200k).

The Platinum Card from American Express

The Platinum Card® from American Express has a standard bonus of 80,000 Membership Rewards® points. Not too shabby, although you can prequalify for 100,000 or 150,000 bonus Membership Rewards® points through CardMatch™ (and it doesn’t hurt your credit). The introductory spending requirement is $6,000 during the first 6 months for whichever bonus you qualify for.

This card has a significant number of luxury travel benefits including airport lounge access, up to $200 in Uber Cash per year, an annual $200 airline fee credit, and more. The annual fee is $695.

Related: How to Get the 100,000 or 150,000 Amex Platinum Offer!

IHG Rewards Premier Business Credit Card

The IHG® Rewards Premier Business Credit Card earns 165,000 bonus IHG points after spending $3,000 in the first 3 months. This is a limited-time offer so you must act quickly to qualify for one of this card’s highest-ever bonuses.

It’s also one of the best Chase business credit cards for its many benefits and reasonable $99 annual fee.

Other notable card perks include earning up to 26x total points on IHG purchases, IHG Platinum Elite status, an anniversary free night, and a 4th free night when redeeming three nights using points.

Related: IHG Rewards Premier Business Credit Card Review

IHG Rewards Premier Credit Card

Personal travelers can earn 140,000 bonus IHG points after spending $3,000 in the first 3 months using the IHG® Rewards Premier Credit Card. This bonus is worth up to four reward nights.

Cardholders can earn up to 26x total points on IHG stays, get a free anniversary night, automatic Platinum Elite status, and redeem three nights to get the 4th night free. The annual fee is $99.

This is one of the consistent bonuses you can find with a 100,000 points credit card offer or higher.

Related: IHG Rewards Premier Credit Card Review

Hilton Honors Credit Cards

Another set of credit cards that come with a nearly 200k miles bonus is from Hilton. Several of the Hilton Honors credit cards offer welcome bonuses above 100,000 points.

  • The Hilton Honors American Express Business Card: Earn 150,000 Hilton Honors Bonus Points plus a Free Night Reward (after you spend $4,000 in purchases within the first three months of Card Membership. The offer ends on 7/19/23). $95 annual fee. Learn more here.
  • Hilton Honors American Express Surpass® Card: 130,000 bonus points (after spending $2,000 in purchases on the Card in the first 3 months of Card Membership), Free Night Reward, Gold Status. $95 annual fee.
  • Hilton Honors American Express Aspire Card: 150,000 bonus points after spending $4,000 in the first 3 months. You can also enjoy Diamond Status and other hotel and air travel perks.

These co-brand credit cards have no foreign transaction fee which makes them a great companion for international trips for mid-level or upscale hotel and resort stays.

Learn more: Hotel Rewards Credit Cards

Marriott Bonvoy Boundless Credit Card

The Marriott Bonvoy Boundless® Credit Card earns 3 Free Night Awards that are each worth up to 50,000 points. So, the total bonus is worth up to 150,000 Bonvoy points. You can receive the bonus after spending $3,000 in the first 3 months.

In addition to the 3 free nights signup bonus, featured card benefits include earning up to 17 total points on Marriott stays, a free anniversary night (up to 35,000 points), automatic Bonvoy Silver Elite status, and 15 Elite Night Credits per year.

The annual fee is $95.

Related: Best Marriott Credit Cards

The Business Platinum Card from American Express

There is also a nearly 200k miles bonus with business cards. The Business Platinum® Card from American Express earns 120,000 Membership Rewards after $15,000 in qualifying purchases during the first 6 months.

This is one of the most luxurious business credit cards for travel as it offers unlimited airport lounge visits, multiple travel-related statement credits, and getting up to 35% points back on award flight redemptions.

The annual fee is $695 (See Rates & Fees). Frequent flyers stand to benefit the most from this rewards card.

Related: Is Amex Business Platinum Worth It?

Ink Business Preferred Credit Card

The Ink Business Preferred® Credit Card earns a 100,000 bonus Chase Ultimate Rewards® after spending $15,000 in the first 3 months. While the bonus amount is half of the 200,000 points goal, the bonus has an above-average value at $1,250 in award travel.

You can earn up to 3x points on business purchases, enjoy a 25% travel redemption bonus, and 1:1 point transfers to airlines and hotels. The annual fee is $95.

Related: How Do You Qualify for the Chase Ink Business Preferred?

Chase Sapphire Preferred Card

Another highly-rated card to consider is the Chase Sapphire Preferred® Card. New Chase Sapphire Preferred® Card cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That’s $750 when redeemed through Chase Ultimate Rewards®. Member FDIC

While this offer size is on the low end for this credit card comparison, its redemption value is higher than many hotel credit cards as Chase Ultimate Rewards can be worth twice as much thanks to the card’s travel redemption bonus and 1:1 point transfers.

In addition to the valuable sign-up bonus, this card also earns up to 5x points on travel, up to $50 in annual hotel credits, and an anniversary bonus of 10% of your points earned for the previous 12 months.

The annual fee is $95.

Related: Is The Chase Sapphire Preferred Still Worth It In 2023?


Receiving 200k miles bonus or points bonus upfront is a rarity, although many come close, especially when there is a limited-time credit card offer. Some offers have 12-month spending windows that provide more flexibility to earn the full amount. Typically, you will need to get a premium credit card, a co-brand airline credit card, or a hotel credit card to get the biggest bonuses.

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

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