Best Credit Cards for Large Purchases ($25,000+)

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Whether you need to charge a single large transaction or a series of purchases adding up to more than $25,000, charging it to a credit card is an excellent alternative to traditional financing. You can earn tens of thousands of points and miles, hit a spending bonus and receive a free night certificate or earn elite status with a hotel or airline loyalty program.

Alternatively, you can make use of cards featuring 0% intro APR and pay no interest, and many cards also offer top benefits like purchase protection and extended warranty.

Paying for large expenses with a rewards credit card can land you a stack of points or miles.

Earning rewards on large purchases isn’t just limited to business cards either. Plenty of consumer cards provide bonus points, free nights, or fast-tracks to elite status for hitting pre-defined spending thresholds, or you could choose a card offering unlimited 2% cash back and earn $500 back on your purchase.

Large purchases can include:

  • Renovations or the deposit on a new home
  • Weddings or family events
  • Healthcare spending and medical procedures
  • General business expenses and office equipment
  • New appliances
  • A new car
  • Using Plastiq to pay big expenses that don't accept credit cards
  • College tuition

Before we jump into the best credit cards for spending north of $25K, making large purchases on your credit card also comes with some caveats. There is the temptation to rake in lots of points from a large purchase without calculating any additional costs such as transaction fees or interest.

We recommend paying off your card in full every month to avoid interest payments, a habit we encourage even on 0% intro APR cards as it helps cement healthy credit habits. Transaction fees and interest on debt quickly wipe out the gains you receive in the form of points, miles, or cash back, so unless you plan on paying your balance in full each month, this isn’t a method we’d recommend for financing large purchases.

It’s also important to consider other factors like purchase protection and extended warranty rather than making your decision based solely on the rewards you receive.

Top Rewards Credit Cards for Spending $25,000

We've broken down our list of top rewards cards into different categories to show the rough value you can extract from different strategies. The value depends entirely on how you value rewards points, and whether the rewards will help get you to your next award travel goal.

Best Rewards Card(s) ForCredit Card(s)Rewards Earned After Spending $25,000Value of RewardsTotal Value
Single Welcome BonusAer Lingus Visa Signature® Card
Iberia Visa Signature® Card
• 125,000 Avios1.5¢$1,875
New Cardmember PerksBritish Airways Visa Signature® Card• 75,000 Avios plus a Travel Together Ticket1.5¢$1,125+
Travel Together Ticket value varies with how it is redeemed.
Annual Spending BonusHilton Honors American Express Surpass® Card• Free Weekend Night
• 75,000 HH points
Everyday CardThe Blue Business® Plus Credit Card from American Express• 50,0001.7¢$850
Cash Back CardCapital One Spark Cash for Business• 2% of $25KN/A$500

Credit Card Welcome Bonuses with High Minimum Spend Requirements

If you’re looking to take advantage of a large purchase, it’s hard to go past the trio of Avios earning cards issued by Chase. All three cards feature high welcome bonuses with higher than average minimum spend requirements to receive the full bonus.

  • British Airways Visa Signature® Card – Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from account opening. Plus earn a Travel Together Ticket after you spend $20,000 total on purchases within your first year of account opening.
  • Aer Lingus Visa Signature® Card – Earn up to 100,000 bonus Avios. Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening. Plus earn an additional 50,000 bonus Avios after you spend $20,000 on your purchases within your first year of account opening.
  • Iberia Visa Signature® Card – Earn up to 100,000 bonus Avios. Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening. Plus earn an additional 50,000 bonus Avios after you spend $20,000 on your purchases within your first year of account opening.

Alternatively, you could consider splitting up a large expense over several new cards and collect multiple welcome bonuses, potentially earning hundreds of thousands of points as shown in the table above.

Credit Card Bonuses for Hitting Annual Spending Thresholds

Outside of chasing welcome bonuses but sitting close behind in value is hitting bonus spending thresholds on cards you already hold. This category is primarily made up of co-brand cards offering bonus miles, free nights, or fast-tracks to elite status (or a combination). One of the most important aspects of annual spending bonuses to wrap your head around is how each card defines a year.

While most annual spending bonuses are tracked by calendar year, some classify a year as a cardmember year, or the 12 month period after you first receive the card, typically counted as the 12 billing cycles from the first statement close following the card being issued. Be sure to check your card T&Cs before chasing down a spending bonus to ensure you have a firm grasp on how the year is defined.

Just to be clear, these are not the only benefits (or even the best) on these rewards cards. For brevity, we’ve only listed the bonuses received when you hit the annual spending bonus threshold.

American Express

Update for 2021: As part of its Covid-19 response, Delta is adding a 25% boost to MQMs earned via the Status Boost on your Delta co-brand card in 2021. That means Platinum cardholders will earn 12,500 MQM and Reserve cardholders 18,750 MQM at each status boost tier. We've factored these updated numbers into the bullets below.




Best Cashback & Everyday Spending Cards for Big Purchases

If you’ve exhausted all the welcome offers you’re eligible for and reached the annual spending bonus on your existing cards, there is still scope to bank a substantial rewards balance from large purchases. The cards listed below all offer better than one point per dollar and provide an additional way of maximizing large purchases when you have run out of higher value methods of collecting points.

Maximizing Bonus Categories on Large Purchases

We’ve covered the best cards to use for each bonus category in detail in the posts below. The only caveat being that some of the cards listed in these posts feature spending caps. Before making a large purchase with the expectation you’ll earn lots of bonus points, check that the card in question will award bonus points on the entire purchase.

Final Thoughts

If you need to spend $25,000+, either in a single transaction or spread over multiple purchases, why not use a credit card and fill your balance of rewards points in the process! Just make sure you take note of other factors like Purchase Protection and the value of any points or miles earned, and make sure you’re not carrying a balance on your cards from the large purchase or you’ll quickly wipe out the value of your rewards points.

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