If you’re planning to make a large purchase on furniture, home renovation services, travel purchases, a new computer or something else, you may be wondering what credit card will help you get the most of your purchase. Using a credit card for large purchases makes sense because you may be able to earn extra bonus rewardscash back or points for charging the item to your card. On top of that, features like 0% intro APR periods can also come in handy when you’d like some extra time to pay off the purchase. Use this guide of the best credit cards for large purchases so you can get rewarded and save on your next significant expense.

Best overall: Discover it® Cash Back

The Discover it® Cash Back card is our favorite for large purchases because it offers the perfect combination of 0% intro APR and cash back worlds — all with no annual fee! To kick things off, you’ll get a 14-month 0% intro APR on purchases and balance transfers (then 13.49% - 24.49% Variable), which means you won’t pay interest for over a year! Balance transfers come with a 3% intro balance transfer fee (up to 5% fee on future balance transfers (see terms)), but if you plan to only use the card for purchases, that’s not something you need to worry about.

In terms of cash back rewards, you’ll earn 5% cash back within select categories each quarter you activate (up to the quarterly maximum, currently $1,500, then 1% back) and a standard 1% cash back on all other purchases. What’s more, at the end of your first year as a cardholder, all cash back you’ve earned will be matched. This means you’re effectively earning 10% cash back on rotating categories (up to the quarterly maximum) and 2% cash back on all other purchases!

You’ll obviously get the most cash back if your large purchase falls into one of the rotating categories, but even if it doesn’t 2% cash back for the first year is not a bad deal at all. Categories for 2020 include purchases made at grocery stores, Walgreens and CVS from January through March; gas stations, Uber, Lyft and wholesale clubs from April through June; restaurants and PayPal from July through September; as well as Amazon.com, Target.com and Walmart.com from October through December. If your purchase falls into one of the previous mentioned categories and you can wait to make the purchase, do so to earn maximum cash back rewards with this card.

Discover it Cash Back also comes with no foreign transaction fees and a number of added perks, including a free FICO score on your statement and access to free identity theft alerts (when you activate them).

Best for long 0% intro APR: Citi® Diamond Preferred® Card

The Citi Diamond Preferred Card (a NextAdvisor advertiser) offers no annual fee and provides a long 0% intro APR period for both purchases and balance transfers. The card doesn’t offer rewards or bonus points, but it can be a solid option if you need a new card with a long 0% APR rate period. That’s because cardholders get 0% intro APR on purchases for 12 months from the date of the account opening (then the rate is 15.24% - 25.24% (Variable)) and a 21-month 0% intro APR on balance transfers made in the first 4 months of account opening (note there is a balance transfer fee of $5 or 5%, whichever is greater). From then on, the variable APR is 15.24% - 25.24% (Variable). Since this card has an ultra long 0% intro APR on balance transfers, you may want to take advantage of that. Here’s how: make the large purchase with another card that offers rewards (like any of the other cards noted in this post), then transfer the balance to the Citi Diamond Preferred Card. You could also make the purchase with this card, but since the balance transfer APR is almost 2 years, it makes sense to take advantage of that.

In addition to the long intro 0% APR rate periods, cardholders get free access to their FICO score, Citi entertainment special access to events like concerts and sporting competitions and purchase protection, including $0 liability on unauthorized purchases.

Best for cash back bonus: Capital One® Savor® Cash Rewards Credit Card

The Capital One Savor Cash Rewards Credit Card offers excellent cash back bonus rewards for dining and entertainment purchases, as well as a sizeable cash bonus for new cardholders. You can get a $300 cash bonus after spending $3,000 on purchases within the first 3 months of account opening. You also earn unlimited 4% cash back on entertainment and dining, 2% on purchases from grocery stores and 1% on all other transactions. Although these rewards may not apply to your large purchase, you can take advantage of the intro bonus and reap massive rewards for everyday spending.

Unlike the cards noted above, the Capital One Savor Cash Rewards Credit Card does not offer a 0% intro APR — the purchase rate is 15.99% - 24.99% (Variable). As long as you are able to pay off your big purchase in a timely manner, you’ll avoid paying interest and reap the intro bonus rewards. There is an intro $0 annual fee for the first year and a $95 annual fee after that. Plus, there is no foreign transaction fee. If your big purchase is travel-related, you won’t have to worry about fees for spending when you’re abroad.

Best for travel bonus: Chase Sapphire Preferred® Card

The Chase Sapphire Preferred Card is a great option if your big purchases are travel-related. If you’re booking flights and hotels for an upcoming vacation, this card can reward you with bonus points for travel. You’ll earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months — that bonus is worth $750 toward travel-related purchases when you use the points in the Chase Ultimate Rewards portal. You’ll also earn 2X points on travel-related purchases like hotels and airfare, as well as 2X points on dining around the globe. Plus, you’ll earn 5X points on Lyft rides from now through March 2022, and 1 point per $1 spent on all other purchases.

This card comes with a $95 annual fee and has a 17.49% - 24.49% Variable APR rate on purchases. Because it doesn’t offer a 0% intro APR, this means you’ll want to pay off the purchase sooner rather than later. The Chase Sapphire Preferred Card also has lots of travel-friendly perks, like no foreign transaction fees, trip cancellation and trip interruption insurance, a vehicle rental collision damage waiver and baggage delay insurance.

The final word

When you’re considering the best credit card for big purchases, consider what type of pricey purchase(s) you plan on making and what will help you more: cash back rewards, travel points, dining and entertainment bonuses, 0% intro APR or a combination of these features. You may be more interested in getting cash back to go toward paying off your purchase, or you may want extra time to make payments. Whatever you’re looking for, there’s a credit card to help ease your wallet. Check out our list of the best credit cards for 2020.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.