The top 7 credit cards to maximize large purchases
Editor's Note
A good tip for entering the points and miles game is to charge almost every purchase to a travel rewards card.
This way, you're accruing rewards with every tap of your card. You should additionally consider which card is the best for specific purchases to ensure you get the biggest bang for your buck, especially when making a large purchase that has the potential to net you hundreds — if not thousands — of points, miles or even cash back.
With that in mind, the most significant factors to consider the next time you plan on swiping your credit card for a significant amount of money.
For starters, it's fair to say that the definition of a "large" purchase can vary significantly from person to person. While you may not be able to charge a new car purchase to a credit card, spending $1,000 or more on a medical bill, a new laptop or an essential household item may be much more common.
No matter what the case, though, here's what you should consider when deciding which credit card can help you maximize large purchases.
The best cards for large purchases
- Capital One Venture Rewards Credit Card — Best for earning flexible rewards
- Chase Freedom Unlimited® (see rates and fees)— Best for a good introductory annual percentage rate deal
- Citi Double Cash® Card (see rates and fees)— Best for earning cash back
- The Business Platinum Card® from American Express — Best for large business purchases
- Ink Business Premier® Credit Card (see rates and fees) — Best for business cash back
- American Express® Gold Card — Best for purchase protection
- Capital One Venture X Business — Best for business travel rewards
| Card | Welcome offer value* | Reward rates | Annual fee |
|---|---|---|---|
Value: $1,388
Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening. |
| $95 | |
Value: $200.
Earn a $200 bonus after spending $500 on purchases within the first three months from account opening. |
| $0 | |
Value: $200.
Earn $200 after spending $1,500 on purchases within the first six months of account opening.
|
| $0 | |
Value: Up to $6,000.
Find out your offer and see if you're eligible for as high as 300,000 bonus points after spending $20,000 on purchases in the first three months of card membership. Welcome offers vary, and you may not be eligible for an offer. |
| $895 (see rates and fees) | |
Value: $1,000.
Earn $1,000 cash back after spending $10,000 on purchases within the first three months from account opening. |
| $195 | |
Value: Up to $2,000.
Find out your offer and see if you are eligible for as high as 100,000 bonus points after spending $8,000 on purchases within the first six months of card membership. Welcome offers vary and you may not be eligible for an offer. |
| $325 (see rates and fees) | |
Value: $2,775.
Earn 150,000 bonus miles after spending $30,000 on purchases in the first three months from account opening.
|
| $395 |
*Welcome offer value is calculated based on TPG's April 2025 valuations and is not provided by the issuer.
Card details for the best cards for large purchases
Capital One Venture Rewards Credit Card: Best for earning flexible rewards
Annual fee: $95.
Welcome offer: Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening.
Why it's great for large purchases: You'll earn 2 miles per dollar spent across all purchases. Many large purchases, such as wedding expenses or home renovation costs, may not fit in a traditional bonus category, so a flat-rate card that earns across all categories can be a great option. Plus, this is an excellent card long-term for everyday spending once you've taken care of your large purchases. You can redeem miles at a fixed value as a statement credit for eligible travel purchases, or you can utilize Capital One's 15-plus transfer partners to maximize redemption value.
Related: Capital One Venture review
Learn more: Capital One Venture
Chase Freedom Unlimited: Best for introductory APR
Annual fee: $0.
Welcome offer: Earn a $200 bonus after spending $500 on purchases within the first three months from account opening.
Why it's great for large purchases: You'll get a flat 1.5% back, or 1.5 points per dollar if you also have a Chase Ultimate Rewards-earning card, such as the Chase Sapphire Preferred® Card (see rates and fees), on purchases.
But beyond this welcome offer, Chase Freedom Unlimited's great introductory APR period sets it apart from other flat-rate cards. While we always recommend paying off your credit cards in full each month, an introductory APR period (when used responsibly) can help you finance a larger purchase over time.
Related: Chase Freedom Unlimited review
Apply here: Chase Freedom Unlimited
Citi Double Cash Card: Best for earning cash back
Annual fee: $0.
Welcome offer: Earn $200 after spending $1,500 on purchases within the first six months of account opening.
Why it's great for large purchases: If you'd rather earn cash back than travel rewards, it doesn't get much better than the Citi Double Cash. You'll earn 2% back on every purchase — 1% when you buy and 1% when you pay. It's a flat-rate card, meaning you don't have to worry about what bonus category your specific purchase falls into. You'll get up to 2% back, no matter the merchant. Plus, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel portal.
However, if you do want to use your rewards for travel (and you also have a card that's part of the ThankYou program), you can convert your cash-back rewards into Citi ThankYou points.
Related: Citi Double Cash review
Apply here: Citi Double Cash
The Business Platinum Card from American Express: Best for large business purchases
Annual fee: $895 (see rates and fees).
Welcome offer: Find out your offer and see if you're eligible for as high as 300,000 bonus points after spending $20,000 on purchases in the first three months of card membership. Welcome offers vary, and you may not be eligible for an offer.
Why it's great for large purchases: The Amex Business Platinum is great for larger purchases for multiple reasons. A large purchase could help you hit the high spending requirement for the welcome bonus, which is worth up to $6,000 according to TPG's April 2025 valuations.
Additionally, the Amex Business Platinum offers 2 points per dollar on eligible purchases in select business categories and eligible purchases of $5,000 or more, up to $2 million of these purchases per calendar year. This means that, per our April 2025 valuations, you'll essentially get a 4% return in the form of valuable Membership Rewards points. Finally, the card also offers extended warranty* and purchase protection*, which can provide peace of mind when you're purchasing large-ticket items.
*Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Related: Amex Business Platinum review
Apply here: Amex Business Platinum
Ink Business Premier: Best for business cash back
Annual fee: $195.
Welcome offer: Earn $1,000 cash back after spending $10,000 on purchases within the first three months of account opening.
Why it's great for large purchases: The Ink Business Premier is intended for business owners with large operating expenses. As such, the Ink Business Premier offers 2.5% cash back on purchases of $5,000 or more and 2% cash back on all other eligible purchases.
The best part is that there's uncapped potential for earning rewards, so the more you spend, the more rewards you'll accrue. The downside is that cash back earned on this card cannot to transferred to any Chase Ultimate Rewards point-earning credit card.
Related: Ink Business Premier review
Apply here: Ink Business Premier
American Express Gold Card: Best for purchase protection
Annual fee: $325 (see rates and fees).
Welcome offer: Find out your offer and see if you are eligible for as high as 100,000 bonus points after spending $8,000 on purchases within the first six months of card membership. Welcome offers vary and you may not be eligible for an offer.
Why it's great for large purchases: While the Amex Gold doesn't offer bonus rewards for large purchases, it does offer up to $10,000 in purchase protection per covered incident, including accidental damage and loss. American Express makes it easy to determine the level of protection available on your card. Just go to the American Express website, select the type of protection you're interested in, and then click on your card.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Note that most of these policies limit the coverage provided for natural disasters, and you can't use the benefit on purchases of permanent household fixtures (like carpet or tile). But if your upcoming large purchase is for an eligible item that could be lost or damaged, the Amex Gold can be a lifesaver. And even without a bonus category, you still earn 1 point per dollar (worth a 2% return) on nonbonus spending.
Related: Amex Gold review
Apply here: Amex Gold Card
Capital One Venture X Business: Best for business-related travel purchases
Annual fee: $395.
Welcome offer: Earn 150,000 bonus miles after spending $30,000 on purchases in the first three months from account opening.
Why it's great for large purchases: You'll earn an impressive 10 miles per dollar spent on hotel and rental cars and 5 miles per dollar spent on flights and vacation rentals when using Capital One Business Travel. The upside to booking business travel on the card is that Capital One has 15-plus transfer partners, and points earned can be redeemed for award tickets with good-value programs such as Air Canada Aeroplan, Air France-KLM Flying Blue and British Airways Club.
Related: Capital One Venture X Business review
Learn more: Capital One Venture X Business
Tips to maximize large purchases
Of course, there are also other opportunities to use your credit cards to maximize large purchases.
Use large purchases to earn a welcome offer or sign-up bonus
Even if you have a card that doesn't offer bonus points in the category you're planning on making the large purchase in, it can still make sense to use a specific card if you're trying to hit a high spending requirement.
The Amex Business Platinum from our list of best cards for large purchases is one example, as is the Ink Business Preferred® Credit Card (see rates and fees). With the latter, you can earn 100,000 points after spending $8,000 on purchases in the first three months from account opening.
Using the card for a large purchase could help you hit that threshold and earn that stellar bonus, making using it worth it even if you aren't racking up bonus points on the purchase itself.
Using large purchases to hit spending thresholds for extra benefits
Select credit cards offer valuable spending threshold bonuses that reward you for spending large amounts on your card during the year. Some examples include the following:
- Points earned on cobranded Southwest credit cards count toward the Companion Pass, and select cards can even help you earn elite status by awarding tier-qualifying points (TQPs).
- The Delta SkyMiles® Reserve American Express Card offers a Medallion Qualification Dollar boost by giving cardholders 2,500 MQDs each Medallion qualification year in addition to 1 MQD for every $10 spent.
- The Hilton Honors American Express Surpass® Card awards cardholders a free night certificate after spending $15,000 in a calendar year, in addition to automatic Hilton Honors Diamond status after spending $40,000 in a calendar year.
Charging a large purchase to a credit card that offers a threshold bonus could help you meet most or all of the spending requirement for the bonus.
Check Amex Offers, Chase Offers and shopping portals for merchant deals
Often overlooked when maximizing earnings are Amex Offers and Chase Offers. These programs provide statement credits or extra points when you add an offer to your card and then make a qualifying purchase. You can view the currently available offers when you log in to your online account.
You'll usually find more Amex Offers per card than Chase Offers, but it's worth checking the offers on all your cards before making a large purchase. Offers are usually available from travel, shopping, dining and entertainment merchants, ranging from bonus points to statement credits.
And, of course, you should always check online for potential shopping portal offers if you're making a large purchase with an online retailer. Shopping portals allow you to double dip rewards alongside credit card bonuses.
For example, let's say you purchase a $6,000 appliance at Home Depot. If you have a targeted 10% Amex Offer on your Amex Business Platinum and use a shopping portal, you could take advantage of the 10% offer and the 2 points per dollar spent earning rate on the purchase itself and up to 4 AAdvantage points per dollar spent by clicking through the AAdvantage shopping portal (note that the AAdvantage shopping portal payout is currently 4 points per dollar spent but that is subject to change at any time).
Related: The beginner's guide to airline shopping portals
Bottom line
If you have a large purchase coming up, you should definitely think about which credit card makes the most sense. Some considerations above relate to earning and redemption potential, while others act as insurance policies if things go awry. The right card for each purchase will depend on the item being purchased and your particular circumstances.
For some purchases — especially electronics — the potential value obtained from extended warranty protection and purchase protection benefits may justify using a card that earns fewer points on the purchase. Or, it might make sense to use a particular card if you're working toward a spending threshold or a minimum spending requirement on that card.
For rates and fees of the Amex Business Platinum, click here.
For rates and fees of the Amex Gold, click here.
TPG featured card
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 5X | New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App. |
| 3X | Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines. |
| 2X | Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Pros
- Valuable dining and food-related credits
- Flexible rewards with airline and hotel transfer partners
- Multiple travel and purchase protections
- No foreign transaction fees
- Access to Amex Offers for additional savings (enrollment required)
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
- Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
- Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
- Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
- $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
- New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
- Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
- Book your travel through the Amex Travel App with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.