Best Credit Cards for Big Purchases

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	Welcome Offer
Chase Sapphire Preferred® Card	Earning a Travel Bonus
Capital One Savor 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 17.24%, 23.74% or 28.99%. 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 17.24%, 23.74% or 28.99%.

Welcome Offer:

Annual Fee: $0

Approval Odds

Credit Score of Approved and Denied Applications

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	05/09/2023	767	Experian	$25,000
Approved	05/09/2023	782	TransUnion	$25,000
Approved	05/09/2023	796	Equifax	$25,000
Approved	02/17/2023	740	Equifax	$14,000
Approved	03/28/2023	738	Experian	$5,500
Approved	08/12/2023	693	Equifax	$5,000
Approved	05/05/2023	780	Experian	$15,000
Approved	04/22/2023	738	Not Provided	$16,000
Approved	04/22/2023	779	Experian	$16,000
Approved	04/22/2023	790	Not Provided	$16,000
Approved	01/22/2023	746	Experian	$13,500
Denied	12/28/2023	725	Not Provided	---
Denied	09/26/2023	788	Not Provided	---
Denied	09/26/2023	799	Not Provided	---
Denied	09/26/2023	803	Not Provided	---
Denied	12/11/2023	691	TransUnion	---
Denied	12/11/2023	698	Equifax	---
Denied	12/11/2023	712	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 welcome offer 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 eligible 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 18.24% - 29.24%.

Since we all need to buy food, we love this card for its U.S. supermarket rewards. And since most of us watch TV from multiple platforms, the rewards for select U.S. streaming services are pretty sweet, too. The cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout.

Rewards:

1% cash back

On all other eligible purchases

1% cash back on all other purchases

3% cash back

Gas

3% cash back at U.S. gas stations

3% cash back

Transit

3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more)

6% cash back

U.S. supermarkets

6% cash back on groceries up to $6,000 per year in purchases at U.S. supermarkets, then 1%

6% cash back

Streaming services

6% cash back on select U.S. streaming subscriptions

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 18.24% - 29.24% variable, depending on creditworthiness.

Welcome Offer: Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

Annual Fee: $0 intro annual fee for the first year, then $95.

*Terms Apply

Approval Odds

Credit Score of Approved and Denied Applications

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	01/19/2023	825	Not Provided	$6,000
Approved	05/04/2023	738	Experian	$20,000
Approved	05/04/2023	748	TransUnion	$20,000
Approved	05/04/2023	755	Equifax	$20,000
Approved	09/16/2024	805	Experian	$25,000

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.

Rewards:

1x points

On all other eligible purchases

1x points on all other purchases

2x points

Travel

2x points on all other travel purchases

3x points

U.S. supermarkets

Earn 3x points on online groceries (excluding Target, Walmart and wholesale clubs)

3x points

Streaming services

Earn 3x points on select streaming services

3x points

Dining

3x points on dining

5x points

Travel

5x points on travel purchased through Chase Travel(SM)

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.

Annual Fee: $95

Approval Odds

Credit Score of Approved and Denied Applications

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	05/20/2024	750	Not Provided	$7,500
Approved	05/02/2024	797	Experian	$22,500
Approved	05/02/2024	848	TransUnion	$22,500
Approved	06/03/2024	716	Not Provided	$5,000
Approved	03/04/2024	590	Not Provided	$5,000
Approved	01/30/2024	645	Equifax	$9,000
Approved	01/30/2024	645	TransUnion	$9,000
Approved	01/30/2024	666	Experian	$9,000
Approved	05/06/2024	832	Not Provided	---
Approved	05/06/2024	833	Not Provided	---
Denied	01/04/2024	783	Not Provided	---
Denied	04/18/2024	707	Equifax	---
Denied	04/18/2024	714	Experian	---
Denied	01/17/2024	795	Not Provided	---
Denied	05/29/2024	727	Not Provided	---
Denied	06/12/2024	770	Not Provided	---

Capital One Savor Cash Rewards Credit Card

Best for an Easy-to-Earn Welcome Offer Plus Elevated Everyday Rewards

The Capital One Savor 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:

1% cash back

On all other eligible purchases

1% cash back on all other purchases

3% cash back

Supermarkets

3% cash back at grocery stores excluding superstores like Walmart® and Target®

3% cash back

Streaming services

3% cash back on popular streaming services

3% cash back

Dining

3% cash back on dining

3% cash back

Entertainment

3% cash back on entertainment

5% cash back

Hotels

Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).

5% cash back

Rental Cars

Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).

8% cash back

Entertainment

Earn 8% cash back on Capital One Entertainment purchases

0% Intro APR Offer: Get 0% intro APR on purchases and balance transfers for the first 15 months After that, your rate will be 19.24% - 29.24% 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	04/06/2023	740	Not Provided	$1,000
Approved	09/13/2023	720	TransUnion	$10,000
Approved	09/13/2023	740	Equifax	$10,000
Approved	09/13/2023	780	Not Provided	$10,000
Approved	12/05/2023	760	Not Provided	$10,000
Approved	02/01/2023	661	Experian	$5,000
Approved	02/01/2023	729	TransUnion	$5,000
Approved	05/11/2023	815	Not Provided	$10,000
Approved	06/08/2023	620	Not Provided	$5,000
Approved	04/04/2023	700	Not Provided	$1,000
Approved	08/14/2023	734	Experian	$1,000
Approved	08/14/2023	738	Not Provided	$1,000
Approved	02/02/2023	795	Not Provided	$15,000
Approved	02/02/2023	803	Not Provided	$15,000
Approved	09/05/2023	820	Experian	$40,000
Approved	04/12/2023	768	Equifax	$20,000
Approved	04/12/2023	768	TransUnion	$20,000
Approved	04/12/2023	772	Experian	$20,000
Approved	02/12/2023	657	TransUnion	$1,000
Approved	08/10/2023	672	Not Provided	---
Approved	08/10/2023	803	Experian	---
Denied	06/16/2023	700	Not Provided	---
Denied	10/25/2023	776	Not Provided	---
Denied	10/25/2023	778	Not Provided	---
Denied	03/08/2023	811	TransUnion	---
Denied	03/26/2024	736	Experian	---
Denied	06/17/2023	797	Not Provided	---
Denied	08/05/2023	710	Not Provided	---
Denied	12/02/2023	771	TransUnion	---
Denied	12/02/2023	804	Experian	---

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:

1% cash back

On all other eligible purchases

Earn unlimited 1% back on all other purchases.

2% cash back

Dining

Earn unlimited 2% back at restaurants.

2% cash back

Gas

Earn unlimited 2% back at gas stations.

2% cash back

Transit

Earn unlimited 2% back on local transit and commuting (including rideshare).

5% cash back

Select Categories

Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market with an eligible Prime membership.

5% cash back

Travel

Earn unlimited 5% back on Chase Travel purchases with an eligible Prime membership.

10% cash back

Select Categories

Eligible Prime cardmembers earn 10% back or more on a rotating selection of items and categories on Amazon.com.

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)

All information about Prime Visa has been collected independently by allCards.com. Prime Visa is no longer available through allCards.com.

Approval Odds

Credit Score of Approved and Denied Applications

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	01/10/2023	730	Not Provided	---
Approved	11/19/2024	786	Experian	$30,000
Approved	03/26/2024	747	Equifax	$2,000
Approved	03/26/2024	753	Experian	$2,000
Approved	05/17/2023	686	Not Provided	---
Approved	02/01/2024	620	TransUnion	$4,400
Approved	02/01/2024	637	Experian	$4,400
Approved	02/01/2024	660	Equifax	$4,400
Approved	07/08/2023	782	Equifax	$18,000
Approved	07/08/2023	799	TransUnion	$18,000
Approved	07/08/2023	806	Experian	$18,000
Approved	07/17/2023	746	Experian	$8,600
Approved	12/16/2024	778	Not Provided	$20,000
Approved	03/17/2024	662	Experian	$1,500
Approved	03/17/2024	678	Equifax	$1,500
Approved	03/17/2024	684	TransUnion	$1,500
Approved	06/27/2023	736	Experian	$2,000
Approved	06/27/2023	771	Equifax	$2,000
Approved	05/25/2023	820	Not Provided	$28,000
Approved	05/25/2023	837	Not Provided	$28,000
Approved	05/25/2023	844	Not Provided	$28,000
Approved	06/01/2023	660	Experian	$3,000
Approved	06/01/2023	677	TransUnion	$3,000
Approved	06/01/2023	680	Equifax	$3,000
Approved	06/14/2023	730	Not Provided	$5,000
Approved	05/08/2023	725	Not Provided	$500
Approved	07/11/2023	739	Experian	$20,000
Approved	05/21/2023	704	Experian	$500
Approved	12/12/2023	625	Experian	$1,900
Approved	12/12/2023	635	Equifax	$1,900
Approved	04/05/2023	670	Not Provided	$2,000
Approved	04/03/2023	751	Experian	$17,300
Approved	11/24/2023	760	Not Provided	$15,000
Approved	01/24/2024	760	Not Provided	$30,000
Approved	01/17/2024	750	Not Provided	---
Approved	07/18/2023	758	Experian	$6,000
Approved	05/10/2024	740	Not Provided	---
Approved	08/07/2023	750	Not Provided	$5,700
Approved	10/11/2023	811	Equifax	$5,000
Approved	10/11/2023	814	TransUnion	$5,000
Approved	10/11/2023	817	Experian	$5,000
Approved	05/01/2023	771	Experian	$21,300
Approved	05/09/2024	724	Not Provided	$9,000
Approved	09/18/2023	750	Equifax	$9,000
Approved	10/31/2023	646	Experian	$500
Approved	10/31/2023	646	TransUnion	$500
Approved	10/31/2023	665	Equifax	$500
Approved	06/12/2023	741	Experian	$6,900
Approved	06/12/2023	751	TransUnion	$6,900
Approved	06/12/2023	759	Equifax	$6,900
Approved	04/23/2023	681	Not Provided	$3,500
Denied	04/03/2023	786	Not Provided	---
Denied	11/07/2023	715	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:

1% cash back

On all other eligible purchases

Earn 1% cash back on all other purchases.

2% cash back

Dining

Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.

2% cash back

Gas

Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.

5% cash back

Select Categories

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year

0% Intro APR Offer: Get 0% intro APR on purchases for 12 months. After that, your rate will be 17.49% - 25.49% 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	781	Experian	$3,000
Approved	12/13/2023	805	TransUnion	$3,000
Approved	12/13/2023	811	Equifax	$3,000
Approved	01/03/2023	753	Experian	---
Approved	07/04/2023	755	Experian	$3,500
Approved	07/04/2023	791	Equifax	$3,500
Approved	07/04/2023	815	TransUnion	$3,500
Approved	01/06/2023	757	TransUnion	$5,000
Approved	01/06/2023	763	Equifax	$5,000
Approved	01/06/2023	764	Experian	$5,000
Approved	01/12/2024	810	TransUnion	$4,000
Denied	08/10/2023	763	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 17.49% - 23.49% applies. This gives you a full year to pay off any major purchases without paying a dime of interest.

Rewards:

1.5% cash back

All eligible purchases

1.5% cash back on all eligible purchases with no limits to the amount you can earn

0% Intro APR: Get 0% intro APR on purchases for 12 months, then a variable APR of 17.49% - 23.49%.

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	825	Experian	$6,000
Approved	12/14/2023	783	TransUnion	$8,000
Approved	12/14/2023	787	Experian	$8,000
Approved	12/14/2023	791	Equifax	$8,000
Approved	10/04/2023	734	TransUnion	$8,000
Approved	10/04/2023	735	Equifax	$8,000
Approved	10/30/2023	850	Experian	$16,000
Approved	04/25/2023	662	Equifax	$4,000
Approved	04/25/2023	667	TransUnion	$4,000
Approved	04/25/2023	718	Experian	$4,000
Approved	04/16/2023	843	Experian	$16,000
Approved	01/12/2024	653	Experian	$4,000
Approved	01/12/2024	672	TransUnion	$4,000
Approved	01/12/2024	675	Equifax	$4,000
Denied	01/12/2024	756	Experian	---
Denied	01/12/2024	775	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?