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Which card(s) to use for high spend or large purchases? [Consolidated]

Which card(s) to use for high spend or large purchases? [Consolidated]

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Old Sep 23, 19, 7:03 am   -   Wikipost
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Ways to get high rewards or bonus on credit card spending:

1. sign-on bonus, miles, UR or MR points, free nights and cash rewards
2. on-going rewards, points or cashback
3. spending bonus for extra points/$ or status, like spending $10,000 to get extra 20k points etc.

Cards with large spending bonus: (alphabetical)

AmEx Delta Skymiles Gold: $25,000 MQD waived for elite status
AmEx HH Ascend: $40,000 to Diamond
Barclay Aviator Red: $25,000 for $3,000 EQD
BofA Merrill +: $50,000 for additional $200 travel credit
Chase Ritz Carlton: $10,000 to renew Gold status. Subject to change from 8/1/2018
Chase United MileagePlus Explorer: $25,000 for 10,000 United miles
A lot more to list...

Cards that earn better than 1 airline mile (or points convertible 1:1 to airline miles) per dollar: (alphabetical)

Amex Blue Business Plus - 2x MRs on up to $50k per year. No AF, FTF.
Amex Blue for Business - 1.3x MRs (Another card needed in order to transfer, such as Amex ED/EDP/PRG/BGR/Plat etc). No AF, FTF. Discontinued, replaced by BBP.
Amex Business Platinum - 1.5x for charges over $5,000 up to 1M extra points ($2M spend) AF $450, no FTF. Many other perks.
Amex EveryDay - 1.2x if you make 20+ charges per cycle. No AF, FTF.
Amex EveryDay Preferred - 1.5x if you make 30+ charges per cycle. AF $95, FTF.
Bank of America Virgin Atlantic MasterCard - 1.5x VS miles, 2x if you spend $15k per year, 2.1x if you spend $25k per year. AF $90, no FTF.
Barclaycard Arrival Premier - 1.43x for all partners except JAL, AC (1.18x). You will get 2.14x on all partners except JAL, AC (1.76x), if you spend $15k or $25k per year. AF $150, FYF, no FTF. Discontinued.
Capital One Spark Miles Business Visa - 1.5x on all partners, except SQ and EK. AF $95, FYF, no FTF.
Capital One Venture Visa - 1.5x on all partners, except SQ and EK. 7.5x (all partners, except SQ and EK) on hotels.com until 01/31/2020. AF $95, FYF, no FTF.
Capital One Spark Miles Select Business Visa - 1.125x on all partners, except SQ and EK. No AF, no FTF.
Chase Freedom Unlimited Visa - 1.5x URs (Another card needed in order to transfer, such as CSR/CSP/Ink Plus/Ink Bold/Ink Preferred). No AF, FTF.
Chase Ink Unlimited Business Visa - 1.5x URs, Same as Freedom Unlimited
Chase United Club Card Visa - 1.5x United miles. AF $450, no FTF, some other perks.
Citi Double Cash MC - 2x TYP. Cashback can be converted to TYP at 1:1 ratio. You need a premium Citi card, (Premier, Prestige or Chairman) to transfer to partners other than JetBlue at 1:1 ratio. No AF, FTF.


Cards that earn hotel points

Amex Hilton Honors - 3x HH points, no AF, no FTF
Amex Hilton Honors Ascend - 3x HH points, AF $95, no FTF, some perks
Amex Hilton Honors Business - 3x HH points, AF $95, no FTF, some perks
Amex Hilton Honors Aspire - 3x HH points, AF $450, no FTF, lots of perks.
Amex SPG - 2x Marriott points. AF $95, FYF, no FTF.
Amex SPG Business - same as Amex SPG.
Amex SPG Luxury - same as Amex SPG. AF $450
Barclaycard Choice Privileges Visa - 2x on everything. No AF, FTF.
Barclaycard Wyndham Rewards Visa - 2x (grandfathered versions 2x on everything, still obtainable). AF $69/$0, FTF.
Chase Marriott Premier Plus Visa - same as Amex SPG
FNBO Best Western Rewards Premium MC - 2x BW points. AF $59, no FTF
FNBO Best Western Rewards MC - 2x BW points. No AF, no FTF
US Bank Radisson Rewards Premier Visa Signature - 5x RR points. AF $75, FTF
US Bank Radisson Rewards Business Visa - 5x RR points. AF $60, FTF
US Bank Radisson Rewards Visa Signature - 3x RR points. AF $50, FTF

2%+ Cashback Cards: (by % amount)

US Bank Altitude Reserve Visa - 4.5% towards travel (cashout possible), if you use Android Pay, Samsung Pay, Apple Pay or Microsoft Wallet for in-person, in-app or online purchases. AF $400, no FTF, many other perks.
Barclaycard Priceline Rewards Visa (grandfathered 2x/5x version) - 3.33% if redeemed against Priceline or travel purchases, 2% if redeemed for everything else. No AF, no FTF.
Barclaycard Arrival Premier MC - 3% if you spend exactly $15k or $25k, 2%, if you spend less than $15k. AF $150, FYF, no FTF, some perks. Discontinued.
Bank of America Travel Rewards Visa (with Platinum (Honors) Preferred Rewards) - 2.25/2.625%. No AF, no FTF.
Bank of America Premium Rewards Visa (with Platinum (Honors) Preferred Rewards) - 2.25/2.625%. AF $95, no FTF, some perks.
USAA Limitless Cashback Rewards Visa - 2.5% (must be USAA member, with $1k direct deposit per month). no AF. Discontinued.
Alliant Cashback Visa Signature - 3% first year, after that 2.5%. AF $59, FYF, no FTF.
Barclaycard Arrival Plus MasterCard - 2.1% if you redeem for travel purchases. AF $89, no FTF.
Discover it Miles - 3% (first year only, 1.5% after that). No AF, no FTF.

Exactly 2% Cashback Cards: (alphabetical)

Amex Blue Business Cash - 2% on up to $50k per year. No AF, FTF.
BBVA Compass Rewards Visa - 2%, if you receive $1000 in direct deposits per month to checking account. No AF.
Blispay Visa - 2%. No AF.
Citi Double Cash MasterCard - 2%. No AF.
Capital One Spark Cash Business Visa - 2%. AF $95, FYF, no FTF.
Capital One Spark Miles Business Visa - 2% if redeemed for travel. AF $95, FYF, no FTF.
Capital One Venture Visa - 2% if you redeem for travel purchases. 10% cashback on hotels.com until 01/31/2020. AF $95, FYF, no FTF.
Fidelity Rewards Visa - 2%. No AF.
PenFed Power Cash Rewards Visa (with Honors Advantage) - 2%. No AF, no FTF.
PNC Premier Traveler Visa - 2% if you redeem for travel purchases. AF $85, FYF, no FTF.
State Department Federal CU Premium Cashback+ Visa - 2%, no AF, no FTF.
Synchrony Paypal Cashback MC - 2%, no AF, no FTF.
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Old Mar 17, 19, 5:18 am
  #421  
mia
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To the extent that a portion of your purchases can be made at Home Depot, Lowes, or similar, you should review this thread:

Chase Freedom 2019 Q2 categories: Grocery and Home Improvement stores
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Old Mar 17, 19, 9:30 am
  #422  
 
Join Date: Nov 2015
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Originally Posted by Tenesmus83 View Post
Hello. Moving into a new home. Will plan on some large item purchases for furniture and electronics.
Any suggestions for credit cards with large signup bonuses? Ideally they would have downgrade path
after first year.

Thanks.
Barclaycard Arrival plus. 70,000 points worth $700 after $5,000 spend. After the speed is met, you would have 80,000 points. And yes it can be downgraded.
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Old Mar 17, 19, 3:57 pm
  #423  
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Originally Posted by Critterlynn View Post
Barclaycard Arrival plus. 70,000 points worth $700 after $5,000 spend. After the speed is met, you would have 80,000 points. And yes it can be downgraded.
This card's 'miles' are best redeemed for expenses that code as 'travel' if you want full value. You can redeem for GCs/Merchandise/Etc but you lose 50% of the value. OP is furnishing his home. https://cards.barclaycardus.com/bank...te-mastercard/

If the OP had some large travel expenses coming up after the remodel (flts/hotels/cruise) he could pay with this card and get ~$800 back.

Last edited by philemer; Mar 17, 19 at 5:53 pm Reason: add info
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Old Mar 17, 19, 4:02 pm
  #424  
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Originally Posted by Tenesmus83 View Post
Hello. Moving into a new home. Will plan on some large item purchases for furniture and electronics.
Any suggestions for credit cards with large signup bonuses? Ideally they would have downgrade path
after first year.

Thanks.
What kind of "bonuses" are you looking for? Airline miles? Hotel pts? 2% cash back cards should also be considered.
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Old Mar 18, 19, 8:52 am
  #425  
 
Join Date: Feb 2001
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Making large purchase but which c card?

I need to make large purchase and was wondering if there was any program for existing card holders to either get to a new travel level or earn extra bonus points towards something in the new year. I have Southwest visa, Hilton Amex, Capital one and Delta. Just thought I would ask. Thank you.
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Old Mar 18, 19, 9:10 am
  #426  
mia
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Originally Posted by mphall View Post
.... Southwest visa, Hilton Amex, Capital one and Delta.
We would need to know the exact names of the specific cards to see if there is any type of threshold bonus.
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Old Mar 18, 19, 9:11 am
  #427  
 
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Originally Posted by mphall View Post
I need to make large purchase and was wondering if there was any program for existing card holders to either get to a new travel level or earn extra bonus points towards something in the new year. I have Southwest visa, Hilton Amex, Capital one and Delta. Just thought I would ask. Thank you.
The Delta Platinum and Reserve cards give you a bonus of 10K MQMs and 10K RDMs after spending $25K and $50K.
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Old Mar 18, 19, 10:22 am
  #428  
 
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The Hilton Ascend gives a free night at 15K spend. The Hilton Aspire gives a free night at 60K spend.
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Old Mar 18, 19, 11:37 am
  #429  
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The Delta platinum card also waives the spending requirement for Silver, Gold and Platinum Medallion levels after $25K in purchases. Since one can earn 15K/40K/65K Medallion Qualification Miles (after reducing the usual flying requirement by the 10K you get from the card) for a whole lot less than $3/6/9,000, that can be valuable. (The credit card spend requirement for a Diamond Medallion MQD waiver went up to $250K a year or two ago, though. Not as attractive to most people, but if that's the kind of large purchase you're talking about ...)
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Old Mar 18, 19, 12:17 pm
  #430  
 
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Rumor has it Chase just rolled out an in-branch offer for 3% on up to $20k on the CFU for the first year. It's not a "bonus" in the typical sense, but valuable if you have lots of spending planned and have a good use for UR.
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Old Mar 18, 19, 3:26 pm
  #431  
 
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Originally Posted by Tenesmus83 View Post
Hello. Moving into a new home. Will plan on some large item purchases for furniture and electronics.
Any suggestions for credit cards with large signup bonuses? Ideally they would have downgrade path
after first year.

Thanks.
You might be the rare candidate for a store card, if they are offering a large uncapped initial discount in conjunction with opening one.

If you're dropping 10-20k on home furnishings at one place it would be worth seeing what the store cards are.

I remember years ago friends who furnished a new flat almost entirely at Macys (before it was sucky) and got a pretty huge coupon / discount.

I think they told me it was 3k or something.

They paid it off instantly and never used the store card again.....
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Old Mar 19, 19, 2:56 pm
  #432  
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Please follow the redirect as we relocate this thread.

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Old Mar 19, 19, 6:51 pm
  #433  
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Originally Posted by beckoa View Post
Please follow the redirect as we relocate this thread.

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~ Moderator Action ~

Merged this and one other thread into the master thread.

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Old Aug 9, 19, 6:23 pm
  #434  
 
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Best Credit Card For Wedding Reception?

Hey everyone!

I'm looking to get married in 10/10/2020 (so more than a year out), and am looking for credit cards that I can open and make immediate spending decisions on (ceremony and reception). My wedding date is competitive, so I need to book venues 1.5+ years out, which eliminates a lot of the potential benefits that I could theoretically use for a honeymoon.

I tried looking into the Hilton Amex Aspire Card, but I don't think I'll be doing a wedding reception at a hotel property so that nullifies a lot of the potential point bonuses. Looking to do the ceremony at a church and the reception at a banquet hall or cruise ship. Also used Chase Sapphire Preferred so that's not an option for those "spent $3000, get XYZ bonus" deals.

Thoughts on the best pathway forward?
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Old Aug 9, 19, 7:20 pm
  #435  
 
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a lot of wedding vendors may not take credit cards, or offer discounts for paying cash

check them first
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