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The Best Credit Card For a Large Purchase

Which credit card is best when making a large purchase? We believe the answer depends in part on what you are buying. For example, if it’s an expensive vacation, an airline or travel rewards card might be best because you can earn more rewards. If it’s a home renovation, a cash back card might be the best option. You also might want to consider a 0% APR card to avoid fiance charges or a card with a low interest rate. Of course, a low or no interest rate card only matters if you intend to pay off the balance over time. With that being said, here are 5 cards that might be beneficial to consider when you make a large purchase.

Credit Cards for Large Purchases

Cash BackTravel Rewards0% Intro RateLow Interest Rate
Discover More
XXX
Amex Starwood
X
Chase Freedom(SM)
XXX
Chase Slate
XX

Here are details on each card:

Discover® More® Card
Discover® More® Card
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  • 0% intro APR on purchases and balance transfers for 14 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • Earn 5% cash back on up to $1,500 in purchases at Department Stores and everywhere you shop online through December. It's free and easy to sign up.
  • 5% Cashback Bonus in categories that change throughout the year like gas, restaurants, and department stores up to the quarterly maximum. Signing up each time is free and easy.*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability. You're never responsible for unauthorized charges on your Discover card account, plus mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
Purchase
Intro APR
Purchase
Intro APR Period
Balance Transfer
Intro APR
Balance Transfer
Intro APR Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%*14 months*0%*14 months*10.99% - 20.99%* (Variable)$0*YesExcellent Credit

Starwood Preferred Guest® Credit Card from American Express
Starwood Preferred Guest® Credit Card from American Express
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  • Starpoints® bonus: earn up to 25,000 bonus points: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership
  • That’s enough for a weekend getaway to a Category 4 Hotel like the Westin Savannah Harbor Golf Resort & Spa, or six free nights at a Category 2 Hotel
  • Free Hotel Nights: redeem Starpoints at over 1,100 hotels in nearly 100 countries worldwide - with no blackout dates
  • Free Flights: redeem Starpoints on over 350 airlines with SPG Flights - with no blackout dates
  • Get 5,000 bonus Starpoints after you transfer 20,000 Starpoints to a frequent flyer program with more than 30 airlines
  • No limits on the number of Starpoints you can earn
  • $0 introductory annual fee for the first year, then $65
  • Terms and Restrictions apply.
Purchase
Intro APR
Purchase
Intro APR Period
Balance Transfer
Intro APR
Balance Transfer
Intro APR Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
N/AN/AN/AN/A15.24%-19.24% (Variable)$0 introductory annual fee for the first year, then $65YesExcellent Credit

Chase Freedom® Visa
Chase Freedom<sup>®</sup> Visa
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  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months on purchases and balance transfers
  • 5% Cash Back on up to $1,500 spent between Jan 1 and Mar 31, 2013 at gas stations, drugstores and Starbucks® stores
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire
Purchase
Intro APR
Purchase
Intro APR Period
Balance Transfer
Intro APR
Balance Transfer
Intro APR Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%15 months0%15 months12.99%-22.99% (Variable)$0YesExcellent Credit

Slate® from Chase
Slate® from Chase
Apply Now...
  • Transfer your post holiday balances
  • Introductory offer - No Balance Transfer Fee!*
  • Pay no balance transfer fee when you transfer a balance during the first 60 days your account is open*
  • 0% Intro APR for 15 months on purchases and balance transfers!*
  • Patented Fraud Protection and zero liability on unauthorized purchases*
  • Add an additional card user to your Slate account at no extra cost*
  • No Annual Fee*
Purchase
Intro APR
Purchase
Intro APR Period
Balance Transfer
Intro APR
Balance Transfer
Intro APR Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%15 months0%15 months11.99%-21.99% (Variable)$0YesExcellent Credit

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