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Updated June 22, 2016

Credit Card for High Spenders

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If you spend over $1,000 each month, this list is for you. The top credit cards for big spenders come with large sign-up bonuses and high rewards.

Credit Cards for Big Spenders

If paying off a four-figure monthly balance isn't a problem, spend a little time checking out these best credit cards for high spenders from our partners. These cards reward customers with some of the most generous rewards in the industry, but they also come with hefty annual fees and higher-than-average APRs.

For frequent travelers, especially international travelers, these cards are hard to beat, according to the experts at CreditDonkey. These cards are best suited for people who charge thousands of dollars every month on their credit card.

Here are just a few of the rewards offered by the “Big Spender” cards:

Travel Credit Card for High Spenders

Barclaycard Arrival Plus World Elite Mastercard
Apply for Barclaycard Arrival Plus World Elite Mastercard
At Barclaycard's Secure Site
  • Enjoy 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on purchases made while traveling abroad
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 17.24%, 21.24% or 24.24%, based on your creditworthiness.
  • There is a fee for balance transfers.
Introductory Bonus Airline RewardsTravel RewardsAirline RewardsHotel RewardsCar Rental RewardsNo Expiration on RewardsTravel Accident InsuranceEmergency Assistance
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/A
0% for 12 months (on balance transfers made within 45 days of account opening)
17.24%, 21.24% or 24.24% Variable
$89 - Waived first year

Why We Like It: There are plenty of opportunities to rack up rewards miles with this card. New cardholders can earn 40,000 bonus miles - equivalent to a $400 travel statement credit - if they spend $3,000 on the card within their first 90 days.

In addition, you’ll earn double miles on every purchase you make and you'll get 5% of your miles back if you redeem them for travel (for example, if you redeem 20,000 miles for travel rewards, you’ll get 1,000 miles back).

Its Downside: There is an $89 annual fee (waived the first year), but that’s about average for travel rewards credit cards.

Who It’s Best For: Anyone who wants to earn double miles and likes to travel.

Credit Card Deal for High Spenders

Chase Sapphire Preferred Card
Apply for Chase Sapphire Preferred Card
At Chase's Secure Site
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.24% - 24.24% Variable
$0 Intro for the First Year, then $95

Why We Like It: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®.

Its Downside: Annual Fee

Who It’s Best For: People who pay their balance in full each month and use their credit card frequently enough to accumulate sufficient rewards to justify the annual fee. This is a great option for people who travel somewhat frequently and have a use for the travel rewards they accumulate.

Credit Card for Big Spending Business Owners

Ink Business Preferred Credit Card
Apply for Ink Business Preferred Credit Card
At Chase's Secure Site
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent in select categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.24% - 22.24% Variable
$95


To earn the big benefits offered by these cards, you have to spend big bucks, so they don’t make sense for everyone.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.

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