Best Credit Cards for Large Purchases 2022

If you’ve got a big purchase or purchases coming up due to your wedding, furniture buying, medical bills, etc., the big welcome bonuses on these cards will give you the most back on that large spend. While many of these cards have modest annual fees, the upfront bonus makes them worth it in our opinion, even when you hold the card for multiple years:

Citi Premier® CardNEW CARDHOLDER WELCOME BONUS OPPORTUNITY: Earn 80,000 bonus points after spending $4,000 in purchases within the first 3 months of account opening. (Those 80,000 points have a value of at least $800 in most cases. Compare that to the relatively modest $95 annual fee as well as strong everyday rewards.)

Other Reasons To Like This Card: 3% cash back on a ton of purchases PLUS a HUGE bonus opportunity! Earn: 3X/3% cash back at gas stations, PLUS 3X restaurants PLUS 3X supermarkets PLUS 3X air travel and hotels, and 1% on any other purchases. Annual fee: $95.

 

Chase Sapphire Preferred®NEW CARDHOLDER BONUS OPPORTUNITY: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. (Worth $750 in travel when redeemed through Chase Ultimate Rewards®.)

Other Reasons To Like This Card: This $95 annual fee card recently beefed up its rewards (including 3 points per dollar on dining purchases and 5x/10x on most travel when booked through Chase’s travel portal), making it even more attractive as an everyday credit card as well. Even better, though, is when you employ it as the foundation of a larger strategy of obtaining multiple Chase cards and combining points to redeem at a 25% premium through Chase’s travel booking site (or to get access to Chase travel transfer partners including United, Southwest, Hyatt, Marriott and more).

 

Capital One Venture Rewards Credit Card – EARLY SPEND BONUS: Earn 75,000 bonus miles once you spend $4,000 on purchases with the card within the first 3 months from account opening.

Other Reasons To Like This Card:  Earn unlimited 2 miles per dollar on every purchase (but 5 miles per dollar on hotels and rental cars booked through Capital One Travel), and use those miles to pay for travel or even transfer them into the loyalty programs of Capital One travel partners. Other perks include a credit toward your Global Entry or TSA PreCheck application (up to $100 when paid with the card), Hertz Five Star status, no foreign transaction fees on purchases outside of the United States and more. $95 annual fee.

Marriott Bonvoy Boundless® Credit CardNEW CARDHOLDER WELCOME BONUS OPPORTUNITY: Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening.

Other Reasons To Like This Card: Earn 6X points for every $1 spent at participating Marriott Bonvoy hotels with the card, which is on top of the up to 10 points per dollar you’ll already earn for being a Marriott Bonvoy member. You’ll also earn 3X points for every $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining — and 2X points for every $1 you spend on all other purchases, and your points don’t expire as long as you make purchases on your credit card every 24 months. PLUS you’ll earn a Free Night Award every year after your account anniversary, valid for a one night hotel stay at a property with a redemption level up to 35,000 points.

 

Citi Custom Cash℠ CardNEW CARDHOLDER WELCOME BONUS OPPORTUNITY: Earn $200 cash back after you spend $1500 on purchases in the first 6 months of account opening.

Other Reasons To Like This Card: No-brainer opportunity to earn 5% cash back in the everyday category you shop most each month, with no annual fee! EARN: 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter and on all other purchases. The 5% eligible categories are: Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment.

 

Ink Business Cash® Credit CardNEW CARDHOLDER BONUS OPPORTUNITY: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening.

Other Reasons To Like This Card: High reward opportunities (as high as 5%) on common small business categories, big new cardholder bonus opportunity, and no annual fee. EARN: 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.


Author: Adam Jusko


Leave a Comment