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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® – 50,000 Point Bonus
- Ink Business Preferred® Credit Card – 100,000 Point Bonus
- Platinum Card from American Express – 60,000 Welcome Bonus
Editor’s Note: Some of the offers below may have expired or are no longer available on our site.
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 receive 50,000 bonus Ultimate Rewards points after spending $4,000 in the first three months. This bonus is worth $750 in award travel booked through Chase or you can transfer your points to the 13 Ultimate Rewards travel partners. Some of these 1:1 partners include Southwest Airlines, United, Hyatt, and Marriott.
Besides this hefty signup bonus, you’ll also earn 3x points on dining purchases and you can also earn 3X points on travel immediately after earning your $300 travel credit as reimbursement for travel purchases charged to your card each account anniversary year. You’ll also get free Global Entry membership and Priority Pass Select access. The Chase Sapphire Reserve® is worth a look, though there is a $550 annual fee.
Chase 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
You can earn 100,000 bonus Ultimate Rewards points after spending $15,000 in the first three months that can be worth $1,250 in award 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:
- 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.
Redeeming your points directly through Chase for award travel makes them worth 1.25 cents each thanks to the 25% travel redemption bonus. But, you can also transfer them on a 1:1 basis to any Ultimate Rewards travel partner which is normally the more valuable option.
Platinum Card from American Express
The Platinum Card from American Express is the fastest way to earn award miles on every flight purchase. This is because you earn 5 points per $1 spent compared to 2 or 3 points with the other travel rewards cards. Plus, you’ll also earn 5 points per $1 on prepaid hotels booked through AmexTravel.com.
You can easily redeem your points by transferring them to a 1:1 Membership Rewards travel partner that like Delta, JetBlue, or Emirates to book an award flight with ease.
The Platinum Card® from American Express also comes with a host of other air travel benefits including a $200 air travel credit, $200 in Uber credits, Global Entry application fee reimbursement, and complimentary airport lounge access.
You’ll also receive 60,000 bonus miles when you spend $5,000 in three months – worth at least $600 in award travel. Note that transferring them to a Membership Rewards travel partner can make them even more valuable.
Aer Lingus Visa Signature Card
The all-new Aer Lingus Visa Signature Card is offering two perks that big spenders will want to monopolize:
- Earn up to 100,000 bonus Avios
- Receive a Companion Ticket after spending $30,000 in a calendar year
Maybe you took advantage of a similar 100,000 bonus British Airways Avios offer in the past.
The Aer Lingus offer also gives you an entire year to earn the entire 100,000 Avios bonus by hitting these three spending targets:
- 50,000 Avios after spending $3,000 in the first three months
- 25,000 Avios after spending $10,000 in the first year
- Receive the final 25,000 Avios after spending $20,000 in the first year
If you can spend $30,000 each card membership year, you’ll also get a free Companion Ticket that can be redeemed for an economy seat on a round-trip flight when you pay cash for your seat.
Some of the additional card benefits include earning 3 Avios per $1 on all Aer Lingus, British Airways, Iberia, LEVEL, and OpenSkies purchases. You’ll also enjoy priority seating.
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
The information for the Hilton Honors American Express Aspire Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
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
You will also enjoy complimentary Hilton Honors Diamond status and a $250 Hilton resort credit.
The Hyatt Credit Card [Expired]
Although the Hyatt Credit Card isn’t a “premium” rewards card, it makes the list because World of Hyatt points are some of the most valuable hotel points ever. It’s easy to redeem them for at least two cents each compared to a half-cent for most hotel loyalty programs.
New cardholders can receive 40,000 bonus points by spending $2,000 in the first three months and another 5,000 points by adding an authorized user. Those 45,000 bonus points are worth nine free Hyatt nights!
Each card anniversary, you’ll also get a free hotel night certificate valid at any Category 1-4 hotel or resort.
On top of these free nights, you can maximize your spending with these benefits:
- 3 points on all Hyatt purchases
- 2 points on airfare purchased directly from the airline, car rental agencies, and restaurants
- 1 point on all remaining purchases
If you stay at Hyatt properties often, those points and certificates make this a card that is worth considering.
Conclusion: Best Credit Cards For Big Spenders
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.
Chase Sapphire Preferred® Card
- Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
- 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 toward travel.
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.
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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.