{"id":243684,"date":"2025-05-15T21:16:23","date_gmt":"2025-05-15T21:16:23","guid":{"rendered":"https:\/\/peraltafinancing.com\/airline\/6-tips-for-maximizing-points-on-large-purchases\/"},"modified":"2025-05-15T21:16:23","modified_gmt":"2025-05-15T21:16:23","slug":"6-tips-for-maximizing-points-on-large-purchases","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=243684","title":{"rendered":"6 Tips for Maximizing Points on Large Purchases"},"content":{"rendered":"


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Maximizing points on large purchases is one of the fastest ways to earn more points, but simply swiping your card isn\u2019t enough. To truly maximize your earnings, you need a strategic approach. Whether you\u2019re buying furniture, booking travel, or making business-related purchases, the right credit card strategy is key.<\/p>\n

By leveraging tips and tricks, you can earn maximum points on large purchases while unlocking valuable perks like elite status, free nights, and more.<\/p>\n

In this guide, we\u2019ll explore the best ways to maximize your points when making significant purchases, including using cards with high category bonuses, leveraging welcome bonuses, and utilizing third-party services to pay expenses that normally wouldn\u2019t earn points.<\/p>\n

If you\u2019re planning a large purchase in a specific category, here\u2019s how to optimize your spending:<\/p>\n

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  1. Use a card that earns higher category bonuses<\/li>\n
  2. Consider a card that offers bonuses for meeting spending thresholds (like free nights, elite status, companion awards, etc.)<\/li>\n
  3. Leverage the opportunity to earn a new credit card welcome bonus<\/li>\n
  4. Use a third-party site to earn points on things you normally wouldn\u2019t<\/li>\n
  5. Stack shopping portals for extra rewards<\/li>\n<\/ol>\n

    Related: Points and miles beginner\u2019s guide<\/a><\/strong><\/p>\n

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    Use credit cards with high category bonuses<\/h2>\n

    Not all credit cards are equal when it comes to earning maximum points on large purchases. That\u2019s why choosing the right card is key to maximizing large purchases. Some cards offer high category bonuses, meaning you earn more points per dollar spent in specific spending categories like dining, travel, or groceries. <\/p>\n

    Others offer flat-rate rewards that might be better suited for purchases that don\u2019t fall into a bonus category. Here are some examples of high-category bonus cards:<\/p>\n

    \"Wells\"Wells
    Wells Fargo Expedia One Key credit card (Image courtesy of Wells Fargo)<\/em><\/figcaption><\/figure>\n

    Examples of cards with high category bonuses<\/h3>\n

    To optimize your rewards, use a card that offers both category bonuses and spend-based rewards on your spending. Furthermore, check if your credit card is offering any temporary spending incentives. For example, Citi is known to target cardholders with 5X bonus rewards on grocery, gas, and drugstore spending. It\u2019s worth keeping an eye out for these periodic incentives before deciding which card to use for a large purchase.<\/p>\n

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    Use cards with spending threshold bonuses<\/h2>\n

    Many credit cards reward high spenders with additional perks or bonus points for reaching spending milestones. If you\u2019re planning a large purchase, check if your card offers spend-based bonuses. Here are some examples:<\/p>\n