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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 – 100,000 Welcome Bonus

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

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’ll 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. Though there is a $550 annual fee.

New Chase Sapphire Reserve® cardmembers can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening, worth $900 toward travel when redeemed through Chase Ultimate Rewards®. 

Additional Perks for 2021

Gas station and grocery store purchases will also count towards earning the annual $300 travel credit, through December 31, 2021. Cardholders can also earn up to $120 in statement credits on Peloton Digital and All-Access Memberships through December 31, 2021. 

This is in addition to the complimentary DoorDash DashPass subscription that lets cardholders get unlimited deliveries with a $0 delivery fee and reduced service fees. They also earn up to $120 in statement credits on DoorDash purchases ($60 in statement credits through 2020 and another $60 in statement credits through 2021).

Sapphire Reserve cardholders earn 10x points on Lyft rides, including bikes and scooters. Complimentary Lyft Pink Membership is also available when activated by March 21, 2022. Points are worth 50% more through Sept. 30, 2021, when redeemed for statement credits against existing purchases in select, rotating categories with the Chase Pay Yourself Back feature. Points are also worth 50% more when redeemed through the Chase Dining hub in Ultimate Rewards, now through Sept. 30, 2021.

Chase Ink Business Preferred Credit Card

Johnny Jet holding Chase Ink Preferred
Johnny Jet holding Chase Ink Preferred is one of the best credit cards for big spenders

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:

  • 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.

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.

The Platinum Card from American Express

The Platinum Card® from American Express is the fastest way to earn award miles on every flight purchase. 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. Cardholders also earn 5x points on prepaid hotel bookings through amextravel.com.

You can easily redeem your points by transferring them to a 1:1 Membership Rewards travel partner 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 (in the form of statement credits, enrollment required), Global Entry or TSA PreCheck application fee reimbursement, and complimentary airport lounge access (enrollment may be required).

Additional Benefits

Cardholders can get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when paying with their Platinum Card®.

If you ride Uber or use Uber Eats, this credit will make you happy. Cardholders can enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.

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.

Terms apply. Enrollment may be required.

New The Platinum Card from American Express Benefits

There’s also a new digital entertainment credit. Cardholders can get up to $20 in statement credits each month when you pay for eligible purchases with The Platinum Card® from American Express at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.

In addition to enjoying TSA PreCheck or Global Entry access, cardholders can also enjoy CLEAR perks. Cardholders can use their Card and get up to $179 back per year on their CLEAR® membership. Terms apply.

Another exciting new benefit is the ability for cardholders to enjoy up to $25 back each month on select Equinox memberships. This amounts to up to $300 annually. Enrollment required. 

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

New The Platinum Card® from American Express cardmembers can earn 100,000 Membership Rewards® Points after spending $6,000 on purchases on the Card in the first 6 months of Card Membership. New cardholders also earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership. Terms apply. 

Learn more: Johnny Jet Recommended Credit Cards  

Aer Lingus Visa Signature Card

The Aer Lingus Visa Signature® Card comes with the opportunity to earn 100,000 Avios.

New Aer Lingus Visa Signature® Card cardholders can earn 100,000 bonus Avios after spending $5,000 on purchases within the first 3 months of account opening.

Additionally, new cardholders can earn 5 Avios per $1 spent on purchases with Aer Lingus, British Airways, Iberia, and LEVEL within the first 12 months from account opening (earn 3 Avios thereafter). New cardholders can also earn 3 Avios per $1 spent on hotel accommodations when purchased directly with the hotel within the first 12 months from account opening (earn 2 Avios thereafter).

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

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.

Hilton launched four credit cards in 2018 with American Express. 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.

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.

For rates and fees of The Platinum Card® from American Express, please click here.

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Chase Sapphire Preferred® Card

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  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 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, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

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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.

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