Paddy Sullivan, WalletHub Credit Card Analyst
@PaddySully
The best card for high spenders is the American Express Platinum Card® because it offers 5 points per $1 spent on flights booked with airlines or with American Express Travel® (up to $500,000 spent per year), 5 points per $1 spent on prepaid hotels booked with American Express Travel®, and 1 point per $1 spent on all other eligible purchases. You may also be eligible to earn as high as 175,000 points for spending $8,000 on eligible purchases within the first 6 months (welcome offers vary and you may not be eligible for an offer; apply and, if approved, find out your offer amount and accept the card with your offer, spend $8,000 in 6 months, and receive the points).
As a result, big spenders can save a lot with those rewards and perks like annual statement credits, making the $895 annual fee worth paying.
Best Cards for High Spenders
- Rates & Fees Terms Apply
Initial Bonus: as high as 175,000 points for spending $8,000 on eligible purchases within the first 6 months (welcome offers vary and you may not be eligible for an offer; apply and, if approved, find out your offer amount and accept the card with your offer, spend $8,000 in 6 months, and receive the points)
Ongoing Rewards: 5 points per $1 spent on flights booked with airlines or with American Express Travel® (up to $500,000 spent per year), 5 points per $1 spent on prepaid hotels booked with American Express Travel®, and 1 point per $1 spent on all other eligible purchases
Annual Fee: $895
Credit Score: Good
Initial Bonus: 125,000 points for spending $6,000 in the first 3 months
Ongoing Rewards: 8 points per $1 spent on purchases made through Chase Travel℠ (including The Edit℠), 4 points per $1 on direct bookings with airlines and hotels, 3 points per $1 on dining, and 1 point per $1 on all other purchases
Annual Fee: $795
Credit Score: Excellent
- Rates & Fees Terms Apply
Initial Bonus: as high as 100,000 points for spending $6,000 on eligible purchases within the first 6 months (welcome offers vary and you may not be eligible for an offer; apply and, if approved, find out your offer amount and accept the card with your offer, spend $6,000 in 6 months, and receive the points)
Ongoing Rewards: 4 points per $1 at U.S. supermarkets (up to $25,000 spent per year), 4 points per $1 at restaurants worldwide (up to $50,000 spent per year), 3 points per $1 on flights booked directly with airlines or on AmexTravel.com, 2 points per $1 spent on prepaid hotels and other eligible purchases booked on AmexTravel.com, as well as 1 point per $1 on all other eligible purchases
Annual Fee: $325
Credit Score: Good
Initial Bonus: 75,000 miles for spending $4,000 in the first 3 months
Ongoing Rewards: 10 miles per $1 spent on hotels and rental cars booked through Capital One Travel, 5 miles per $1 spent on flights and vacation rentals booked through Capital One Travel, 5 miles per $1 spent on Capital One Entertainment purchases through 12/31/25, as well as 2 miles per $1 on all other purchases
Annual Fee: $395
Credit Score: Excellent
Initial Bonus: $250 statement credit for spending $3,000 on eligible purchases in the first 6 months
Ongoing Rewards: 6% cash back at U.S. supermarkets (up to $6,000 spent per year), 6% back on select U.S. streaming subscriptions, 3% back at eligible U.S. gas stations and on transit, and 1% back on other eligible purchases, received as rewards dollars (which can be redeemed as a statement credit and at Amazon.com checkout)
Annual Fee: $0 intro 1st yr, $95 after
Credit Score: Good
Initial Bonus: $250 bonus after you spend $2,000 within 120 days
Ongoing Rewards: 6% cash back on two retailers you choose (up to $1,500 in quarterly combined purchases), 3% back on one everyday category of your choice (up to $1,500 per quarter), 5.5% back on prepaid hotel and car reservations booked in the Rewards Travel Center, as well as 1.5% back on all other purchases
Annual Fee: $0 intro 1st yr, $95 after
Credit Score: Excellent
Initial Bonus: $2,000 for spending $30,000 in the first 3 months, plus an additional $2,000 bonus for every $500,000 spent in the first year
Ongoing Rewards: 5% cash back on hotels and rental cars booked through Capital One's travel booking site, and 2% cash back on all other purchases
Annual Fee: $150
Credit Score: Excellent
At the end of the day, the best card for a high spender depends on the spender in question. You need to pick a card with rewards and other features that suit your spending habits. It’s also important to make sure your card has a high enough limit to accommodate your spending. To maintain your credit score, you should try to use less than 30% of your credit limit.
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Benjamin Evans, Member
@ben_evans_art
Based on my experience, high spenders should consider:
- Chase Sapphire Reserve: 3x on travel/dining, $300 annual travel credit, and premium travel protections.
- Amex Platinum: 5x on flights (direct/booked with Amex), elite status perks, and unparalleled lounge access.
- Capital One Venture X: 2X+ miles on all purchases, plus a $300 annual travel credit and 10K anniversary miles that effectively erase the fee.
With these types of cards, always weigh the fees against your actual spending patterns. What glitters isn’t always gold.
Emma Rodriguez, Member
@emmarod
Capital One Venture X, Sapphire Reserve or Amex Platinum. They’re all good for different reasons. Just go with whichever appeals to you the most.
Cameron Sarr, Member
@cameron_sarr
If you’re a high spender, I think the Capital One Venture credit card might be for you. It offers a one-time bonus of 50,000 miles if you spend $3,000 in purchases within 3 months of account opening. That’s equal to $500 in travel. It also earns 2 miles per dollar on all purchases, which can be redeemed towards travel purchases on any airline, hotel, or car rental.
Monica Durante, Member
@monica_durante
I think American Express's Platinum card is pretty up there, with Reserve. 60k points, and great hotel benefits aplenty.
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