How To Earn 100K Points + Miles In The Next 3 Months

Want more points and miles fast? Want to book your dream trip — like 4 nights in the Maldives or 5 nights in Paris — for free within only a few months, just by purchasing your normal everyday expenses you would be buying anyway? Here’s how to earn 100K points and miles in just the next three months or less doing just that.

Disclaimer: This post contains referral links. This post is not in partnership with Chase Bank or the Chase Sapphire cards. If a card is opened using one of the following links, I may earn a small referral bonus from the brand at no cost to you.

How To Get 100K Points + Miles In 3 Months With This Single Offer

Right now, for a limited-time, one of my favorite travel credit cards is running a best-ever elevated welcome offer of 100K points and miles after spending just $5000 on the card within the first 3 months of opening the card. And, in this economy, it’s likely that you are spending $5000 on groceries, gas, dining out and other everyday expenses in a span of three months anyway.

Pro tip: if you’re worried you won’t be able to meet the minimum spend of $5000 on only your everyday expenses, now may be the time to make those big purchases you’ve been putting off, such as a new non-cracked smartphone, furniture, estimated taxes or your kid’s braces. These large expenses will help you meet that spending minimum. But, never spend more than you have in cash. Make sure you are always able to pay off your card in full on time every month. You can read all of the important rules of credit card points and miles here.

Why These 100K Points + Miles Are My Favorite

Chase Ultimate Rewards are my favorite kind of credit card points right now because you can transfer these points to Hyatt, and Hyatt’s points redemptions are lower than any other hotel chain. To give you an example, I just booked hotels for an entire week in Japan (at the Hyatt Regency Tokyo Bay and Hyatt Place Kyoto) for less than the elevated welcome offer of 100K points. Needless to say, these 100K Chase Ultimate Rewards can go a long way, especially when redeeming these points via transfer partners like Hyatt.

Plus, that’s just one of the ways you can use these highly valuable points. A couple of other ways include four free nights at the Alila Maldives, four free nights at the Hyatt Regency Maui, five free nights at the Hyatt Regency Paris or even a free lie-flat business class flight on a transfer partner airline to a destination of your choice. (I use Roame.travel and Pointsyeah.com to find business class flight deals).

Basically, there are endless ways you can use these 100K Chase Ultimate Rewards points. Last year, my husband and I went to the Maldives for the first time, and we cannot wait to go back. It was the trip of a lifetime. We booked our two round-trip flights from the US to the capital city of Male for less than $200 thanks to points, which is exactly why I swear by points and miles.

Why I Love The Chase Sapphire Preferred Card

Now, the Chase Sapphire Preferred does have an annual fee of $95, which could deter some travel hacking newbies. But, when you’re responsible with your credit cards and utilize card benefits (it’s easy, I promise), then these annual fees can pay off tenfold.

Here are just a few of the benefits of the Chase Sapphire Preferred card that I love and that make the annual fee pay off:

• 3x points on online grocery orders (This includes Instacart orders. Use code I50A3C0 for an additional $10 off your first Instacart order).
• 3x points on dining (This means you’ll get 24 points per $8 coffee you’re buying regularly).
• $50 annual hotel credit when booked through the Chase travel portal.
• $10 monthly DashPass credit on non-restaurant orders (I usually get a treat from a local convenience store with my credit!)
• Free DashPass membership.
• Some of the best car rental insurance coverage you can get with a travel credit card.

Additionally, when you have either the Chase Sapphire Preferred or Chase Sapphire Reserve card, you’re allowed to redeem points from valuable cash back cards, like the Chase Ink business cards, for travel. This way, you can open even more cards down the line, earn more big welcome offers and travel for free even more — without breaking Chase’s 5/24 rule, which we’ll discuss next.

Why I Recommend This Card For Beginners

This is currently my top recommended travel credit card for travel hacking beginners (check out my beginner guide to travel hacking here) for a variety of reasons. First of all, if you couldn’t already tell, I absolutely love the card’s benefits and the flexibility to transfer points to luxury Hyatt hotels all over the world.

However, I also recommend this being one of the first travel hacking cards you open to adhere to Chase’s 5/24 rule, which only allows you to open new Chase credit cards if you have opened five or less credit cards in the past 24 months. Yes, this means Chase will deny your credit card applications if you have opened five cards in the past two years.

Five cards in two years may seem like a lot for someone who is new to the points and miles game. But, trust me, most travel hackers are opening a new card every 30-90 days to capitalize on new card welcome offers just like this one. That’s how to earn 100K points and miles in just a few months regularly in the points and miles world.

Here’s How This Card Is A Chase 5/24 Loophole

The loophole to the Chase 5/24 rule is that business cards do not count toward your 5/24, only personal cards do. So, by opening the Chase Sapphire Preferred (a personal card) before you open meet the 5/24, you’ll enable yourself to get hundreds of thousands more Chase Ultimate Rewards points with their cash back business cards (even if that business is just selling stuff on Facebook marketplace).

If this sounds like a lot of information, don’t worry. I promise, the points and miles game is easier than you think. I break down everything you need to know about traveling more for less with credit cards like this one in my ebook, the Budget Travel Bible. You can check out the ebook here.

As you can see, you don’t want to miss this insane limited-time offer. The welcome offer is usually 60K points, and elevated offers like this are extremely rare. If you’re reading this after the elevated offer is finished, don’t worry! I definitely still believe this card is worth having in your travel hacking arsenal. I myself opened this exact card at the usual 60K welcome offer.

So, now you officially know exactly how to earn 100K points and miles in the next three months. Enough from me. I’ll let you go apply here for the Chase Sapphire Preferred now!

More Tips On How To Earn Points + Miles

How To Get Free Flights For Life (Travel Hacking For Beginners)
17 Best Travel Credit Cards 2025
How To Choose The Best Travel Credit Card (Quiz)

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