Best Credit Cards for Big Purchases
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Major spending like buying appliances, car repairs, or holiday gifts always seems to shock our credit card bills a few times a year. Consumers are often not prepared for these unexpected expenses, and the proof is in the rising debt levels: Americans’ credit card debt hit a trillion dollars for the first time ever in August 2023.
Next time you’re going to make a big purchase, make sure you’re using the right credit card. It could make all the difference in the world, or at least put some cash back in your pocket.
In this article, we review the best credit cards for big purchases so you can determine which card to get before that next major shopping trip.
Overview of the Best Credit Cards for Big Purchases
Credit Card | Best For |
---|---|
Wells Fargo Reflect® Card | Long 0% Intro APR |
Blue Cash Preferred® Card from American Express | Cash Back Bonus |
Chase Sapphire Preferred® Card | Earning a Travel Bonus |
Capital One SavorOne Cash Rewards Credit Card | Easy-to-Earn Welcome Offer Plus Elevated Everyday Rewards |
Prime Visa | Amazon Purchases |
Ink Business Cash® Credit Card | Small Business Owners |
Ink Business Unlimited® Credit Card | Large Business Purchase |
Our List of Best Credit Cards for Big Purchases
Wells Fargo Reflect® Card
Best for a Long 0% Intro
Wells Fargo Reflect® Card is a great card for major purchases because you get 0% intro APR for 21 months from account opening on purchases (also applies to balance transfers), then a variable APR of 18.24%, 24.74% or 29.99%. That means you have just shy of two years to pay off that purchase. It’s one of the longest introductory offers we’ve seen. You won’t get a bonus and there are no rewards, but there’s no annual fee, either. And you even get cell phone protection.Rewards: None
0% Intro APR Offer: Get 0% intro APR on purchases and balance transfers for 21 months from account opening on purchases, then a variable APR of 18.24%, 24.74% or 29.99%.
Welcome Offer: None
Annual Fee: $0
Approval Odds
Credit Score of Approved and Denied Applications
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 05/09/2023 | Experian | ||
Approved | 05/09/2023 | TransUnion | ||
Approved | 05/09/2023 | Equifax | ||
Approved | 02/17/2023 | Equifax | ||
Approved | 03/28/2023 | Experian | ||
Approved | 08/12/2023 | Equifax | ||
Approved | 05/05/2023 | Experian | ||
Approved | 04/22/2023 | Not Provided | ||
Approved | 04/22/2023 | Experian | ||
Approved | 04/22/2023 | Not Provided | ||
Approved | 01/22/2023 | Experian | ||
Denied | 12/28/2023 | Not Provided | ||
Denied | 09/26/2023 | Not Provided | ||
Denied | 09/26/2023 | Not Provided | ||
Denied | 09/26/2023 | Not Provided | ||
Denied | 12/11/2023 | TransUnion | ||
Denied | 12/11/2023 | Equifax | ||
Denied | 12/11/2023 | Experian |
See our full list of Best Interest-Free Credit Cards
Blue Cash Preferred® Card from American Express
Best for a Welcome Offer
If you’re looking for a big cash back bonus after you make a large purchase, you’ll want to check out the Blue Cash Preferred® Card from American Express. Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.You’ll also receive a 0% intro APR on purchases for 12 months and on balance transfers for 12 months, then a variable APR of 19.24% - 29.99%.
Since we all need to buy food, we love this card for its grocery perks. And since most of us watch TV from multiple platforms, the rewards for streaming are pretty sweet, too.
Rewards:
0% Intro APR Offer: 0% intro APR for 12 months on purchases and for 12 months on balance transfers. After that, your rate will be 19.24% - 29.99% variable, depending on creditworthiness.
Welcome Offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Annual Fee: $0 intro annual fee for the first year, then $95.
Approval Odds
Credit Score of Approved and Denied Applications
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 01/19/2023 | Not Provided | ||
Approved | 05/04/2023 | Experian | ||
Approved | 05/04/2023 | TransUnion | ||
Approved | 05/04/2023 | Equifax |
Chase Sapphire Preferred® Card
Best for Earning a Travel Bonus
If you’re someone who loves to travel, the Chase Sapphire Preferred® Card is one of the best cards you can get – period. It comes with an excellent welcome offer and the rewards are nearly unmatched. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.Rewards:
0% Intro APR Offer: None
Welcome Offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
Annual Fee: $95
Approval Odds
Credit Score of Approved and Denied Applications
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 08/03/2023 | Not Provided | ||
Approved | 04/19/2023 | Equifax | ||
Approved | 04/19/2023 | Experian | ||
Approved | 04/19/2023 | TransUnion | ||
Approved | 11/11/2023 | Not Provided | ||
Approved | 04/18/2023 | Experian | ||
Approved | 05/21/2023 | Experian | ||
Approved | 04/04/2023 | Equifax | ||
Approved | 04/04/2023 | Experian | ||
Approved | 07/06/2023 | Experian | ||
Approved | 07/06/2023 | Equifax | ||
Approved | 07/06/2023 | TransUnion | ||
Approved | 10/19/2023 | Not Provided | ||
Approved | 06/14/2023 | Experian | ||
Approved | 04/06/2023 | Not Provided | ||
Approved | 04/14/2023 | Experian | ||
Approved | 04/14/2023 | Equifax | ||
Approved | 04/14/2023 | TransUnion | ||
Approved | 10/23/2023 | TransUnion | ||
Approved | 10/03/2023 | Equifax | ||
Approved | 10/03/2023 | Experian | ||
Approved | 10/03/2023 | TransUnion |
Capital One SavorOne Cash Rewards Credit Card
Best for an Easy-to-Earn Welcome Offer Plus Elevated Everyday Rewards
The Capital One SavorOne Cash Rewards Credit Card offers a welcome bonus that’s easy to achieve. But what’s even better are the elevated rewards you can earn on everyday spending including dining, grocery stores, streaming services, and entertainment. You’ll also get a decently long 0% intro APR offer.Rewards:
0% Intro APR Offer: Get 0% intro APR on purchases and balance transfers for the first 15 months After that, your rate will be 19.99% - 29.99% variable, based on your creditworthiness.
Welcome Offer: $200 Cash Back after you spend $500 on purchases within 3 months from account opening
Annual fee: $0
Approval Odds
Credit Score of Approved and Denied Applications
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 02/01/2023 | Experian | ||
Approved | 02/01/2023 | TransUnion | ||
Approved | 05/11/2023 | Not Provided | ||
Approved | 06/08/2023 | Not Provided | ||
Approved | 07/26/2023 | Experian | ||
Approved | 09/08/2023 | Experian | ||
Approved | 09/08/2023 | Equifax | ||
Approved | 08/22/2023 | Experian | ||
Approved | 08/22/2023 | Equifax | ||
Approved | 08/22/2023 | TransUnion | ||
Approved | 02/10/2023 | Not Provided | ||
Approved | 02/12/2023 | TransUnion |
Prime Visa
Best for Big Purchases on Amazon
For anyone who shops on Amazon (and who doesn’t?) the Prime Visa is perfect for you. You get 5% cash back on Amazon and at Whole Foods, 2% cash back on dining, gas, and transit, and 1% on everything else. While there’s no annual fee, you’ll need an Amazon Prime membership to qualify for the card (currently $14.99 a month or $139 a year).Rewards:
0% Intro APR Offer: None
Welcome Offer: Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
Annual Fee: $0 (requires Prime membership)
Approval Odds
Credit Score of Approved and Denied Applications
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 05/17/2023 | Not Provided | ||
Approved | 07/08/2023 | Equifax | ||
Approved | 07/08/2023 | TransUnion | ||
Approved | 07/08/2023 | Experian | ||
Approved | 06/27/2023 | Experian | ||
Approved | 06/27/2023 | Equifax | ||
Approved | 05/25/2023 | Not Provided | ||
Approved | 05/25/2023 | Not Provided | ||
Approved | 05/25/2023 | Not Provided | ||
Approved | 06/01/2023 | Experian | ||
Approved | 06/01/2023 | TransUnion | ||
Approved | 06/01/2023 | Equifax | ||
Approved | 06/14/2023 | Not Provided | ||
Approved | 07/11/2023 | Experian | ||
Approved | 05/21/2023 | Experian | ||
Approved | 04/03/2023 | Experian | ||
Approved | 11/24/2023 | Not Provided | ||
Approved | 07/18/2023 | Experian | ||
Approved | 10/11/2023 | Equifax | ||
Approved | 10/11/2023 | TransUnion | ||
Approved | 10/11/2023 | Experian | ||
Approved | 05/01/2023 | Experian | ||
Approved | 06/12/2023 | Experian | ||
Approved | 06/12/2023 | TransUnion | ||
Approved | 06/12/2023 | Equifax | ||
Approved | 04/23/2023 | Not Provided |
Ink Business Cash® Credit Card
Best for Small Businesses
Ink Business Cash® Credit Card is a great card for small businesses trying to get off the ground. Not only can you earn a sweet welcome bonus, but you also get 0% intro APR on purchases for 12 months. On top of that, you’ll earn 5% cash back on many expenses the typical small business spends money on.Rewards:
0% Intro APR Offer: Get 0% intro APR on purchases for 12 months. After that, your rate will be 18.49% - 24.49% variable, depending on creditworthiness.
Welcome Offer: Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Annual Fee: $0
Approval Odds
Credit Score of Approved and Denied Applications
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 12/13/2023 | Experian | ||
Approved | 12/13/2023 | TransUnion | ||
Approved | 12/13/2023 | Equifax | ||
Approved | 01/03/2023 | Experian | ||
Approved | 07/04/2023 | Experian | ||
Approved | 07/04/2023 | Equifax | ||
Approved | 07/04/2023 | TransUnion | ||
Approved | 01/06/2023 | TransUnion | ||
Approved | 01/06/2023 | Equifax | ||
Approved | 01/06/2023 | Experian | ||
Approved | 01/12/2024 | TransUnion | ||
Denied | 08/10/2023 | Experian |
Ink Business Unlimited® Credit Card
Best for Making a Large Business Purchase
If you own a business and need to make a big purchase, such as new office equipment, one of our favorite cards is the Ink Business Unlimited® Credit Card. This is one of the best business cards available.First of all, making a large purchase with this card can help you earn an excellent welcome bonus. You’ll also get 0% intro APR for 12 months upon account opening for purchases, then an ongoing variable APR of 18.49% - 24.49% applies. This gives you a full year to pay off any major purchases without paying a dime of interest.
Rewards:
0% Intro APR: Get 0% intro APR on purchases for 12 months, then a variable APR of 18.49% - 24.49%.
Welcome Offer: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee: $0
Approval Odds
Credit Score of Approved and Denied Applications
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 03/18/2023 | Experian | ||
Approved | 12/14/2023 | TransUnion | ||
Approved | 12/14/2023 | Experian | ||
Approved | 12/14/2023 | Equifax | ||
Approved | 10/04/2023 | TransUnion | ||
Approved | 10/04/2023 | Equifax | ||
Approved | 10/30/2023 | Experian | ||
Approved | 04/25/2023 | Equifax | ||
Approved | 04/25/2023 | TransUnion | ||
Approved | 04/25/2023 | Experian | ||
Approved | 04/16/2023 | Experian | ||
Approved | 01/12/2024 | Experian | ||
Approved | 01/12/2024 | TransUnion | ||
Approved | 01/12/2024 | Equifax | ||
Denied | 01/12/2024 | Experian | ||
Denied | 01/12/2024 | TransUnion |
How to Choose a Credit Card for Big Purchases
Here are some features to look for when choosing a credit card for big purchases:
0% intro APR: Some credit cards offer 0% intro APR for both purchases and balance transfers while others only offer it for one or the other. If 0% APR is important to you, be sure the credit card you’re applying for offers 0% intro APR for purchases. Keep in mind, that this feature is of little to no value if you don’t pay off the full balance before the intro period ends.
Welcome Offer: If the credit card offers a welcome bonus, then a big purchase can help you reach the spending requirement. However, it’s important to remember that you never want to charge more on your credit card than you can afford to pay off at the end of the billing cycle.
Fees: Most of the credit cards on this list have no annual fee. The ones that do, have a reasonable annual fee for additional perks and rewards. But if you don’t use the perks or benefits, there’s no sense in choosing a credit card with an annual fee.
Rewards: Consider the rewards or cash back you can earn with the credit card. If you don’t travel often, a credit card paying elevated rewards on travel is probably not the best choice for you. Instead, choose a card that aligns with your spending habits.
Bottom Line
Have no fear, big spender! The cards listed above cover nearly every situation you may run into. Remember, though, making a big purchase is a major responsibility. If you take advantage of a 0% intro APR offer, have a plan to pay it all back, otherwise, you’ll end up in debt. Now the only question remains–what are you going to buy?