 TITLE: Are 100,000-Point Intro Bonus Offers Worth It? CONTENT: Should You Try to Earn A 100,000-Point Bonus?\n---------------------------------------------\nEven if you know you want to earn a 100,000-point credit card intro bonus, you should make sure it's worth the effort and within your means. A 100,000-point bonus might be good for you if:\n*   **You can qualify.** Credit cards that offer 100,000-point intro bonuses tend to be highly selective about the applicants they approve. In general, you'll need good to excellent credit and a healthy financial profile to be considered.\n*   **You don't have to overspend to earn a bonus.** The cardinal rule of applying for a new credit card is that you should be able to meet its spending requirements without stretching your finances. If the annual fee is too high, or the minimum spending conditions will be difficult for you to fulfill, wait until your circumstances have improved. Otherwise, you might wind up damaging your credit with late payments and high balances.\n*   **You will use the rewards and perks.** Finally, make sure you'll be able to redeem those 100,000 bonus points for something you want. After all, it doesn't help to earn airline miles if what you really want are hotel points for free stays. Or maybe you'd get more use out of cash back rewards than hotel points. Just make sure you're earning the type of rewards you need and will use.\nWhen a credit card you want posts a 100,000-point intro bonus, it can be tempting to apply immediately. But before you do, take the time to think about the types of points you want, whether you can meet the spending requirements and how a new card will fit into your financial outlook. You can find current credit card offers and personalized options through Experian CreditMatch™. END