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	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

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	07/12/2022	659	Equifax	$2,500
Approved	10/03/2022	820	TransUnion	$10,000
Approved	10/30/2022	710	Experian	$4,000
Approved	06/09/2022	746	Experian	$14,000
Approved	11/20/2022	670	Experian	$5,000
Denied	12/30/2021	759	Equifax	---
Denied	12/30/2021	758	TransUnion	---
Denied	12/30/2021	797	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:

1% cash back

On all other eligible purchases

1% cash back on all other eligible purchases

3% cash back

Gas

3% cash back at U.S. gas stations

3% cash back

Transit

3% cash back on transit, such as taxis, rideshare, parking, tolls, trains and buses

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 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	825	Not Provided	$6,000
Approved	02/16/2022	663	Not Provided	$8,000
Approved	02/03/2022	803	Not Provided	$1,000
Approved	06/22/2022	705	Experian	$10,000
Approved	04/09/2022	780	Experian	$6,000
Approved	04/09/2022	787	TransUnion	$6,000
Approved	06/02/2022	620	Not Provided	$30,000
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	03/20/2022	673	Experian	$1,000
Approved	09/05/2022	698	Experian	$10,000
Approved	09/05/2022	730	TransUnion	$10,000
Approved	09/05/2022	733	Equifax	$10,000
Approved	10/22/2022	656	Experian	$15,000

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. That's $750 when you redeem through Chase Ultimate Rewards®.

Rewards:

1x points

On all other eligible purchases

1x points on all other purchases.

2x points

Travel

2x points on travel not booked through Chase Ultimate Rewards, such as airfare, hotels, taxes and trains.

3x points

U.S. supermarkets

Earn 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs).

3x points

Streaming services

Earn 3x points on select streaming services.

3x points

Dining

3x points on dining, including eligible delivery services, takeout and dining out.

5x points

Travel

5x points on travel purchased through Chase Ultimate 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 Ultimate Rewards®.

Annual Fee: $95

Approval Odds

Credit Score of Approved and Denied Applications

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	03/23/2022	750	Equifax	$22,000
Approved	03/23/2022	770	Experian	$22,000
Approved	09/21/2022	788	Experian	$12,900
Approved	05/28/2022	740	Not Provided	$18,400
Approved	06/26/2022	729	Equifax	$14,000
Approved	06/26/2022	725	Experian	$14,000
Approved	06/26/2022	737	TransUnion	$14,000
Approved	08/03/2023	872	Not Provided	$19,500
Approved	03/23/2022	750	Not Provided	$22,000
Approved	04/04/2022	640	Not Provided	$5,000
Approved	04/19/2023	737	Equifax	$16,000
Approved	04/19/2023	747	Experian	$16,000
Approved	04/19/2023	747	TransUnion	$16,000
Approved	11/11/2023	800	Not Provided	$16,800
Approved	04/18/2023	790	Experian	$17,300
Approved	05/21/2023	703	Experian	$17,300
Approved	06/16/2021	740	TransUnion	$10,600
Approved	06/16/2021	742	Experian	$10,600
Approved	06/16/2021	753	Equifax	$10,600
Approved	03/31/2021	670	Experian	$14,700
Approved	03/31/2021	718	Equifax	$14,700
Approved	07/06/2022	786	Experian	$16,600
Approved	04/04/2023	735	Equifax	$17,300
Approved	04/04/2023	825	Experian	$17,300
Approved	04/05/2022	795	TransUnion	$22,300
Approved	04/05/2022	821	Experian	$22,300
Approved	07/06/2023	735	Experian	$5,000
Approved	07/06/2023	745	Equifax	$5,000
Approved	07/06/2023	755	TransUnion	$5,000
Approved	03/01/2022	681	Experian	$16,600
Approved	03/01/2022	683	TransUnion	$16,600
Approved	03/01/2022	706	Equifax	$16,600
Approved	09/21/2022	743	Equifax	$12,900
Approved	12/04/2022	770	Experian	$12,000
Approved	10/19/2023	720	Not Provided	$19,500
Approved	08/05/2022	746	Experian	$20,000
Approved	08/05/2022	759	TransUnion	$20,000
Approved	08/05/2022	771	Equifax	$20,000
Approved	12/27/2021	672	Not Provided	$5,000
Approved	12/29/2022	771	Not Provided	$5,000
Approved	06/14/2023	759	Experian	$6,000
Approved	04/06/2023	897	Not Provided	$23,800
Approved	04/14/2023	765	Experian	$7,200
Approved	04/14/2023	777	Equifax	$7,200
Approved	04/14/2023	777	TransUnion	$7,200
Approved	06/16/2021	740	TransUnion	$5,000
Approved	05/08/2021	687	TransUnion	$5,600
Approved	05/08/2021	698	Experian	$5,600
Approved	10/23/2023	745	TransUnion	$5,000
Approved	10/03/2023	761	Equifax	$18,000
Approved	10/03/2023	767	Experian	$18,000
Approved	10/03/2023	774	TransUnion	$18,000
Denied	08/07/2022	720	Not Provided	---
Denied	06/07/2020	764	Experian	---

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:

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

10% cash back

Select Categories

Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024

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	12/05/2022	580	Not Provided	$500
Approved	12/06/2022	700	Not Provided	$3,000
Approved	05/24/2022	600	Not Provided	$500
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	07/26/2023	775	Experian	$3,000
Approved	09/08/2023	659	Experian	$2,000
Approved	09/08/2023	670	Equifax	$2,000
Approved	03/01/2022	585	Equifax	$3,000
Approved	03/01/2022	589	Experian	$3,000
Approved	03/01/2022	604	TransUnion	$3,000
Approved	08/22/2023	610	Experian	$3,000
Approved	08/22/2023	619	Equifax	$3,000
Approved	08/22/2023	697	TransUnion	$3,000
Approved	02/10/2023	660	Not Provided	$500
Approved	02/12/2023	657	TransUnion	$1,000
Approved	07/10/2022	740	Experian	$1,000
Approved	07/20/2022	585	Experian	$3,000
Approved	07/19/2022	573	Experian	$3,000
Approved	11/23/2022	647	Experian	$3,000
Approved	11/23/2022	652	TransUnion	$3,000
Approved	11/23/2022	685	Equifax	$3,000
Approved	09/12/2022	504	TransUnion	$3,000

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 $200 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	07/13/2022	630	Equifax	$1,500
Approved	07/13/2022	651	Experian	$1,500
Approved	07/13/2022	670	TransUnion	$1,500
Approved	11/29/2020	700	Not Provided	$12,100
Approved	02/22/2020	700	Not Provided	$13,800
Approved	02/25/2022	808	Experian	$5,000
Approved	05/17/2023	686	Not Provided	---
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	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	07/03/2022	726	Experian	$6,000
Approved	12/28/2022	645	Experian	$1,400
Approved	12/28/2022	656	Equifax	$1,400
Approved	12/28/2022	674	TransUnion	$1,400
Approved	07/08/2022	760	Experian	$10,000
Approved	07/11/2023	739	Experian	$20,000
Approved	05/21/2023	704	Experian	$500
Approved	01/02/2021	673	Experian	$4,900
Approved	01/02/2021	684	TransUnion	$4,900
Approved	01/02/2021	713	Equifax	$4,900
Approved	04/03/2023	751	Experian	$17,300
Approved	01/25/2022	653	Equifax	$3,000
Approved	01/25/2022	655	TransUnion	$3,000
Approved	01/25/2022	720	Experian	$3,000
Approved	10/13/2020	750	Not Provided	$5,000
Approved	11/24/2023	760	Not Provided	$15,000
Approved	11/23/2022	804	Experian	$10,000
Approved	11/23/2022	823	TransUnion	$10,000
Approved	11/23/2022	806	Equifax	$10,000
Approved	07/18/2023	758	Experian	$6,000
Approved	09/22/2020	712	Experian	$8,300
Approved	09/22/2020	721	Equifax	$8,300
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	11/11/2021	750	Not Provided	$5,000
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
Approved	07/04/2022	640	Experian	$1,400
Approved	07/04/2022	706	Equifax	$1,400
Denied	04/25/2021	645	Experian	---

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

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 18.49% - 24.49% variable, depending on creditworthiness.

Welcome Offer: Earn $900 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	03/14/2022	770	Not Provided	$5,000
Approved	12/01/2022	828	Experian	$3,000
Approved	10/23/2021	700	Experian	$4,000
Approved	11/29/2022	810	Equifax	$3,000
Approved	11/29/2022	820	Experian	$3,000
Approved	12/01/2022	741	Equifax	$3,000
Approved	12/01/2022	770	TransUnion	$3,000

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:

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 18.49% - 24.49%.

Welcome Offer: Earn $900 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	03/24/2022	810	Equifax	$8,000
Approved	02/01/2022	779	Experian	$6,000
Approved	03/12/2020	799	Experian	$18,000
Approved	06/11/2022	796	Equifax	$7,500
Approved	06/11/2022	812	Experian	$7,500
Approved	07/13/2021	790	Equifax	$10,000
Approved	07/13/2021	730	Equifax	$5,000
Approved	04/27/2021	720	Experian	$3,000
Approved	10/07/2020	751	Experian	$3,000
Approved	04/01/2022	781	Experian	$50,000
Approved	04/01/2022	763	Experian	$3,000
Denied	04/20/2020	775	Experian	---

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?