Additionally, if you're buying a product, earning rewards may be less important than protecting your purchases with purchase protection<\/a>\u00a0and\u00a0extended warranty<\/a> benefits offered by some credit cards. This is especially important if you buy a high-end computer or another high-ticket item with a credit card.<\/p>\n Let's consider all these elements to help you find the right credit card for large purchases of $5,000 or more.<\/p>\n Page Contents<\/p> Many consumer and business credit cards provide bonus points, free nights, or fast-tracks to elite status for hitting pre-defined spending thresholds. Conversely, you could choose a card that offers unlimited 2% cash back and earn $100 back on a $5,000 purchase. Or, you can put that spending toward earning a sign-up bonus<\/a> if you open a new credit card before purchasing.<\/p>\n Making large purchases on your credit card comes with some caveats. Specifically, the temptation to earn points from a large purchase without calculating additional costs like transaction fees or interest charges.<\/p>\n We always recommend paying off your credit cards monthly to avoid interest charges. We also encourage this on cards with a 0% introductory interest rate since it helps cement healthy credit habits<\/a>. Unfortunately, transaction fees and interest on debt quickly wipe out the gains you get from earning points, miles, or cash back.<\/p>\n Speaking of fees, if you're making a large purchase abroad or in a foreign currency, use a credit card that doesn't charge foreign transaction fees<\/a>. This could save you 3% to 5% in fees.<\/p>\n Further, if you're buying expensive electronics or other high-end items, using a card that earns fewer points but adds better purchase protection<\/a> or extended warranty<\/a> benefits can be worthwhile. If your new device is damaged or stolen, it could save you thousands of dollars. Thankfully, many rewards-earning cards include these protections.<\/p>\n We've broken down the best credit cards for large purchases into several categories:<\/p>\n One great way to maximize your next large purchase is by opening a new credit card to earn a welcome bonus. If the expense is large enough, you can split it over several new cards and collect multiple welcome bonuses. Here are some cards to consider:<\/p>\n $895Rates & Fees<\/a> Excellent, Good<\/p><\/div><\/div> $95<\/p><\/div> Excellent, Good<\/p><\/div><\/div> $95Rates & Fees<\/a><\/span><\/p><\/div> Excellent, Good<\/p><\/div><\/div>A Look Into Earning Rewards on Large Purchases<\/span><\/h2>\n
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Things to consider when making large purchases on a credit card<\/span><\/h3>\n
Top Rewards Credit Cards for Spending $5,000+<\/span><\/h2>\n
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Credit Card Welcome Bonuses With High Minimum Spend Requirements<\/span><\/h2>\n
Personal credit card welcome bonuses to consider<\/span><\/h3>\n
Transferable points<\/strong><\/h4>\n
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Airline credit cards<\/strong><\/h4>\n
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