Credit Cards

Best credit cards for large purchases

February 17, 2025No Comments2 Mins Read

Best credit cards for large purchases

Best for hotel rewards

Hilton Honors American Express Surpass® Card image

Hilton Honors American Express Surpass® Card

4.6

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in our Bankrate review

The Hilton Honors American Express Surpass® Card can rack up substantial points across its impressive variety of reward categories across Hilton and everyday purchases. One of the most significant expenses of travel can be your hotel stay, especially if it’s an extended one. With the Hilton Surpass Card, you can earn an extra fifth night if you book your stay with points or for five consecutive nights. These bookings may also help you snag the impressive welcome offer.
Pros

You can safeguard eligible large purchases with the Amex purchase protection and extended warranty perks, and pay them off over time with the American Express Plan It alternative payment option.

It grants you Hilton Gold elite status, which comes with complimentary breakfast, higher reward earnings and room upgrades when available at Hilton properties.
Cons

While you can earn a large amount of points, your redemption options are generally limited to Hilton stays and experiences.

The annual Free Night Award could be hard to obtain if you don’t regularly make large purchases since it requires spending $15,000 in a calendar year.

See also Chase Ultimate Rewards guide

cards credit large purchases

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