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Do you make a lot of large purchases each month? The best credit cards for big spenders help you earn the most rewards points possible so you don’t have to pay cash for future purchases. Before you make your next big purchase, consider these sign-up bonuses and annual spending rewards to earn extra travel rewards.
As a big credit card spender, you might find the most value in maximizing sign-up bonuses, but some miles credit cards also offer additional travel benefits when you spend a certain amount each year. So here are the best credit cards for big purchases.
Best Credit Cards for Big Spenders
- Chase Sapphire Reserve® – 60,000 Point Bonus
- Ink Business Preferred® Credit Card – 100,000 Point Bonus
- The Platinum Card® from American Express – 80,000 Welcome Bonus
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Best Credit Cards For Big Purchases:
You might prefer to keep your spending with airline rewards credit cards because award miles are usually worth substantially more than hotel points or cash back. Included in this list are a few “flexible” rewards cards that let you redeem your points for non-airline award travel too. But, they’re included in this section because award flights usually offer more value.
Chase Sapphire Reserve
Many award travelers credit the Chase Sapphire Reserve with being a catalyst for revamping the premium travel credit card space for big spenders.
You’ll get a $300 travel credit as reimbursement for travel purchases charged to your card each account anniversary year. You’ll also get Global Entry membership (via a fee credit) and Priority Pass Select access. Though there is a $550 annual fee.
Plus, earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.
New Chase Sapphire Reserve® cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when redeemed through Chase Ultimate Rewards®.
Ink Business Preferred Credit Card
The Ink Business Preferred® Credit Card makes the list for two reasons:
- It has the highest Ultimate Rewards signup bonus
- You make large business purchases
New Ink Business Preferred® Credit Card cardholders can earn 100k bonus points after spending $8,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠.
If you need a powerful Ink business credit card, you can earn 3 points per $1 in the first $150,000 in combined spending on these categories:
- Travel
- Shipping purchases
- Internet, phone, and cable services
- Advertising on social media and search engines
All remaining purchases will earn one point per dollar spent with the Ink Business Preferred Credit Card.
The Platinum Card from American Express
The Platinum Card® from American Express is the fastest way to earn award miles on every flight purchase.
Cardholders earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel, up to $500,000 on these purchases per calendar year, and earn 5x Membership Rewards® points on prepaid hotels booked with American Express Travel.
Cardholders can get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when they pay with the Platinum Card®. The Hotel Collection requires a minimum two-night stay.
Also, select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card.
Plus, American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
Other Platinum Card from American Express Benefits
There’s also a digital entertainment credit, making this card one of the best for streaming services. Cardholders can get up to $20 in statement credits each month when they pay for eligible purchases with the Platinum Card®. Enrollment required.
In addition to enjoying TSA PreCheck or Global Entry access, cardholders can also enjoy CLEAR perks. Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®.
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.
Welcome Bonus Offer
New The Platinum Card® from American Express cardmembers can earn 80,000 Membership Rewards® points after spending $8,000 on purchases on their new Card in the first 6 months of Card Membership.
Aer Lingus Visa Signature Card
New Aer Lingus Visa Signature® Card cardholders can earn 75,000 Avios after spending $5,000 on purchases within the first three months of account opening.
Cardholders earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL. Cardholders also earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel. Plus, earn 1 Avios per $1 spent on all other purchases.
Cardholders can also benefit from earning the Economy Companion Ticket, which is awarded after the cardholder spends $30,000 in a calendar year on their Aer Lingus Visa Signature Card. This ticket is good for the next 12 months on travel between the United States and Ireland.
Other perks include priority boarding for cardholders and authorized users on Aer Lingus flights departing from and returning to the United States from Ireland.
The annual fee is $95, but there are no foreign transaction fees.
Credit Cards For Big Spenders: Hotel Rewards
Hotel credit cards also have some sweet deals for big spenders. If it’s been a while since you’ve checked this space, now can be a good time to get a free hotel night.
Hilton Honors American Express Aspire Card
Their premium rewards card is the Hilton Honors American Express Aspire Card with a $450 annual fee (See rates & fees).
If you’re in the market for a premium hotel credit card, you can start with these benefits:
- Earn 150,000 bonus Hilton Honors points after spending $4,000 on purchases in the first three months of account opening
- One free weekend night immediately and each card anniversary
- Spend $60,000 a year to receive a second free weekend night certificate
- Terms apply
You will also enjoy complimentary Hilton Honors Diamond status and a $250 Hilton resort credit.
Conclusion
Credit cards for big spenders offer flexible travel rewards that can be redeemed for award flights or free hotel nights. While your first instinct is to only look at the most valuable signup bonus to make a large purchase, keeping an eye on any annual spending bonuses is a good idea too. Some of the credit cards for big spenders on this list can get you access to incredible deals.
For rates and fees of the Hilton Honors American Express Aspire Card, please click here.
For rates and fees of The Platinum Card® from American Express, please click here.
