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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.
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) For | Credit Card(s) | Rewards Earned After Spending $25,000 | Value of Rewards | Total Value |
|---|---|---|---|---|
| Single Welcome Bonus | • Aer Lingus Visa Signature® Card • Iberia Visa Signature® Card • British Airways Visa Signature® Card | • 125,000 Avios | 1.5¢ | $1,875 |
| Annual Spending Bonus | • Hilton Honors American Express Surpass® Card | • Free Weekend Night • 75,000 HH points | $300 0.5¢ | $675 |
| Everyday Card | • The Blue Business® Plus Credit Card from American Express | • 50,000 | 1.7¢ | $850 |
| Cash Back Card | • Capital One® Spark® Cash for Business | • 2% of $25K | N/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 up to 100,000 bonus Avios. Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from 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.
- 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
- Delta SkyMiles® Platinum American Express Card & Delta SkyMiles® Platinum Business American Express Card – Earn 10,000 MQMs after you spend $25,000 or more in eligible purchases in a calendar year, plus an additional 10,000 MQMs after you spend $50,000 in a calendar year for a total of 20,000 MQMs. As of January 30, 2020, you no longer earn bonus miles (redeemable Delta SkyMiles) with this benefit.
- Delta SkyMiles® Reserve American Express Card & Delta SkyMiles® Reserve Business American Express Card – Earn 15,000 MQMs for every $30,000 you spend in a calendar year up to 4 times, up to a maximum 60,000 MQMs. (Terms Apply) As of January 30, 2020, you no longer earn bonus miles (redeemable Delta SkyMiles) with this benefit.
- Hilton Honors American Express Aspire Card – Receive a free weekend night reward when you spend $60,000 in a calendar year.
- Hilton Honors American Express Surpass® Card – Receive a free weekend night reward when you spend $15,000 in a calendar year, plus spend $40,000 in a calendar year and earn Hilton Honors Diamond status through the end of the next calendar year.
- The Hilton Honors American Express Business Card – Receive a free weekend night when you spend $15,000 in a calendar year and an additional weekend night after spending a total of $60,000 in the same calendar year, plus spend $40,000 in a calendar year and earn Hilton Honors Diamond status through the end of the next calendar year.
- Marriott Bonvoy Business™ American Express® Card – Earn Gold Elite status after spending $35,000 or more in eligible purchases on your Card in a calendar year.
Barclays
- AAdvantage® Aviator® Red Mastercard® – Earn $3,000 Elite Qualifying Dollars after spending $25,000 on purchases each calendar year.
- JetBlue Plus Card & JetBlue Business Card – Earn TrueBlue Mosaic benefits for one year after you spend $50,000 or more on purchases each calendar year.
Chase
- IHG® Rewards Club Premier Credit Card – Receive 10,000 bonus points after you spend $20,000 on purchases and make one additional purchase each account anniversary every year.
- Marriott Bonvoy Boundless™ Credit Card – Earn Marriott Bonvoy Gold Elite Benefits when you spend $35,000 on purchases each account year.
- Marriott Rewards® Premier Business Credit Card – Earn Marriott Rewards Gold Elite Benefits when you spend $35,000 on purchases each account year.
- The Ritz-Carlton Rewards® Credit Card – Earn Platinum Elite status when you spend $75,000 in an account year.
- The World Of Hyatt Credit Card – Earn a free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year.
- Southwest Rapid Rewards® Premier Credit Card, Southwest Rapid Rewards® Priority Credit Card, and Southwest Rapid Rewards® Premier Business Credit Card, and Southwest Rapid Rewards® Performance Business Credit Card – Earn 1,500 tier qualifying points towards Rapid Rewards A-List or A-List Preferred status for every $10,000 spent, up to 15,000 tier qualifying points per year. $20,000 spend would net you 3,000 TQP towards Southwest elite status. In addition to earning tier qualifying points, points earned on the four Southwest cards linked above and the Southwest Rapid Rewards® Plus Credit Card count towards earning the Southwest Companion Pass. To earn the Southwest Companion Pass, Rapid Rewards members need to earn 125,000 points in a calendar year. Qualifying points include points earned when flying Southwest, points earned on the Southwest co-brand cards (welcome bonuses and regular spending), and base points earned from Rapid Rewards partners. See our post on how to earn the Southwest Companion Pass for details.
Citi
- Citi® / AAdvantage® Executive World Elite™ Mastercard® – Earn 10,000 Elite Qualifying Miles every calendar year when you spend $40,000.
- CitiBusiness® / AAdvantage® Platinum Select® Mastercard® – Earn a $99 Companion Certificate after spending $30,000 in a calendar year.
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.
- The Blue Business® Plus Credit Card from American Express – 2X Membership Rewards points on everyday business purchases such as office supplies or client dinners (applies to first $50,000 spent each year, then 1X).
- The Business Platinum Card® from American Express – 1.5X points per dollar on purchases of $5,000+, up to 1 million additional points per year. (Terms Apply)
- Ink Business Unlimited℠ Credit Card and Chase Freedom Unlimited® earn 1.5x Ultimate Rewards with no limits. Pair with the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred℠ Credit Card which allow you to transfer points to travel partners.
- Wells Fargo Cash Wise Visa® card – Earn 1.5% cash rewards on purchases across the board. While not the best return from a standalone product, transfer those points to your Wells Fargo Visa Signature® Card and you can redeem each point for 1.5¢ per point towards travel (1.75¢ per point if you spend $50K+ each year) which is a great return.
- The Amex EveryDay® Preferred Credit Card from American Express – While this card only earns 1 points per dollar on non-bonus purchases, if you make 30 or more purchases in a billing period you'll earn 50% more points for 1.5x Membership Rewards.
- Capital One® Spark® Miles for Business – Unlimited 2% cash back on every purchase
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.
- Best Credit Cards for Everyday Purchases
- Best Rewards Credit Cards for Non-Bonus Category Spend
- Best Rewards Cards for Travel Purchases
- Best Credit Cards for Gas & Fuel
- Best Rewards Cards for Dining & Restaurants
- Best Credit Cards for Supermarkets & Groceries
- Best Credit Cards For Small Business
- Best Credit Cards for Office Supplies & Mobile Phone Services
- Best Credit Cards to Pay for Advertising and Shipping
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.
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
Time to get me that Ink Preferred!
For a fee, that might be worth it, depending what rewards or bonuses you are getting, you can also charge federal taxes and some state’s taxes.
I never thought about this before. Thanks for the well informed article. Should come in handy.
Where is my lovely Hyatt? $15k for extra free night.
Missed that one sorry KL, have added it to the list!
is it hard to get the ink preferred??
Provided you qualify for a business card and you’re under 5/24. We’ve put together a post on qualifying for business cards here – https://awardwallet.com/blog/how-you-can-get-a-business-credit-card/
Very interesting article, I have never added up all my credit card spend in one year.
Another idea to file away for when I need it. Thanks!
awesome info
i had not given this thought
I’ve wanted to get ink preferred but the darn 5/24 rule really kept me out
I could never get that high a credit
A great list of the best cards to use, cheers..
I’ve seen a few combination cards I may use in the future for a big purchase, thank you.
If you want to buy something more expensive than your limit, can you pay your card into a positive balance first and then put the transaction through?
You *may* be able to do. It depends on the card issuer and your relationship with them.
Wow, that is quite the list and overview. Thanks. Comment about qualifying for biz cards is also helpful.
While I’m always cognizant of where I’m allocating spend to maximize rewards, I never really thought of an app-o-rama as part of planning a large expenditure. In the examples above, that does seem to present the biggest bang, so I’m definitely filing that method away for future use.
I just got the Ink Preferred and I’ll complete the minimum spend in two transactions. When I go the Amex Business Platinum, I was almost able to complete the minimum spend in one transaction! It somewhat softened the blow of the expenses for cleaning out and repairing a flooded basement…almost. So I am definitely a proponent of this technique.
In Argentina, Banco Frances with LATAM miles is the best, followed by ICBC with ICBC points that can be exchanged for plane tickets.
Solid list. As always it comes down to what your needs are. If you’re close to the Companion Pass, you clearly care about southwest flights, so that would be the route I would go. Otherwise, your options are wide open.
Not a bad idea, assuming you have the cash to pay the large purchase off.
Thanks for the helpful tips!
This article is definitely not for me haha.
Good info. Time to apply for Rapid Rewards card.
Amex platinum business gives you 50% bonus points on any purchase over $5,000.00
For purchases over $5k I’d been defaulting to thinking Amex Biz Platinum was the best option but you’ve presented some interesting alternatives if the purchase is way above $5k.
Great reminder since a new truck is on our radar!!
Hopefully some day I will make enough to spend this much on a credit card. 😛
fun to dream about these purchases but we know we must pay off the card in full so until an inheritance appears…
It would be interesting to try buying a house with a credit card.
If you could do that, and pay it off without interest, I think you would win a first place trophy in the world of points and miles.
I always try to use my credit card to large purchase. Just bought a used car. I prefer cash back over airline/hotel points. Cash doesn’t expire and I can always use it
Great list! I still love my Hilton Honors Ascend Card from American Express.
Wow! That’s a lot of points. I’m not sure about the advice to totally pay off the balance of a card with 0% APR though 🙂
Carry the balance only if you’re 100% sure you’ll be able to pay it when the 0% ends. If you do that, carry it through the term — just make sure when you carry a large balance you should expect to see a temporary dip in your credit score.
Since it’s estimated tax time, I’ll add: If you qualify for preferred status, the Bank Of America Premium Rewards Card.
This is a comment not necessarily related to high value purchases. It’s a good list but seems to be US specific.
Please note there are some other schemes, like the UK M&S Credit card that runs a points scheme too.
Their points translate as vouchers to spend in Marks & Spencer stores.
Yes, the focus is US based.
The new Southwest Rapid Rewards® Performance Business Credit Card
Earn 80,000 points when you spend $5,000 on purchases in the first 3 months.
Good tips. Any chance you could update this since the original post?