Large Expenses (Over $5,000)
These credit cards offer the best returns on your spend for large purchases, specifically over $5,000.
You’ll note that the Business Platinum Card from American Express is the only one that really fits this category, however, you can also see the Expenses Not in Any Other Category which shows you the best credit cards for all spend that doesn’t fit into any other bonus category.
You can view business credit cards, personal credit cards, or both. Or find the best credit card for any other bonus category.
The “Estimated Rewards Value” shown represents the average return you can expect on that spend, factoring in the bonus multiplier and the Your Best Credit Cards valuation of the specific mile or point earned by that card. This represents the return you can expect to get if you spend some time to learn about that particular rewards program and is not a minimum or guaranteed return.
Advertiser Disclosure: Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Commissions do not affect or prioritize placement within our results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
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2 Cards Available:

The Business Platinum Card® from American Express
Annual Large Expenses (Over $5,000) Limit: Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.55%
The Business Platinum Card® from American Express
Annual Large Expenses (Over $5,000) Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.55%
A great card for flights and prepaid hotels earning 5x points, and for large expenses over $5,000 for 1.5x points. It earns:
- 5X Membership Rewards points on flights and prepaid hotels booked via AmexTravel
- 1.5X Membership Rewards points on any single purchase that is over $5,000
- 1.5X Membership Rewards at U.S. Construction material and hardware suppliers, Electronic goods retailers and software & at cloud system providers, and with Shipping providers
- 1X Membership Rewards points on other purchases
(1.5X purchases are capped at $2,000,000 in spend per calendar year.)
Card Benefits
- Hilton Gold status (enrollment required)
- Marriott Gold status (enrollment required)
- Receive up to $100 as a statement credit every 4 years after you apply for Global Entry or every 4.5 years for TSA Pre✔®
- Access to the American Express Global Lounge Collection which includes Centurion, Delta, and Priority Pass Lounge access (enrollment required)
- Fine Hotels and Resorts benefits
- $200 airfare credit for incidentals like luggage fees on your chosen airline. (enrollment required). Terms apply.
- $200 in Dell statement credits twice annually, up to $400 total (Jan-June and July-Dec; Enrollment required / terms apply).
- Up to $120 a year in wireless credits; up to $10 per month, Enrollment required / terms apply.
- Up to $360 in Indeed credits ($90 per quarter; enrollment required, Terms Apply)
- Up to $150 in credits with Adobe on annual prepaid plans for eligible Creative Cloud for teams and Acrobat Pro DC with e-sign, enrollment required, Terms Apply.
- $189 CLEAR® Plus Credit: Use your Card and get up to $189 back per year on your CLEAR® Plus membership - subject to auto-renewal.
- (Enrollment required; credit is a statement credit.)
Note: When displaying Estimated Rewards Values and calculations, this card is factoring in airline and hotels at 5x. This requires booking at AmexTravel.com and, if you do not, your earned rewards will change. Hotel bookings made via AmexTravel will generally not earn points or elite benefits.

Delta SkyMiles® Platinum Business American Express Card
Annual Large Expenses (Over $5,000) Limit: Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.1.80%
Delta SkyMiles® Platinum Business American Express Card
Annual Large Expenses (Over $5,000) Limit:
Unlimited
Close X
This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.1.80%
With the Delta SkyMiles® Platinum Business American Express Card you'll get an annual main cabin "Buy One, Get One" companion certificate, plus your first checked bag free and priority boarding on Delta.
Earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Delta Platinum Card, up to two times through 12/31/23. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges. Terms apply.
Delta Business Platinum Bonus Categories
- Earn 3X miles on Delta purchases.
- Earn 3X miles on hotels (purchased directly with the hotel - much better than when you have to use a booking portal!)
- Earn 1.5 miles on purchases of $5,000 or more, up to 50,000 miles per year.
Additional Amex Delta Business Platinum Benefits
- $100 statement credit every 4 years for Global Entry or an $85 statement credit for TSA Pre✓® every 4.5 years.
- Buy One, Get One Companion Certificate on select fares.
- $50 Delta SkyClub per-visit lounge access for yourself and up to two guests when flying Delta. Effective 1/1/24, this benefit will no longer be available.
NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 3x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.
More Bonus Categories
Bonus Offer
Earn 60,000 bonus points with a Chase Sapphire Preferred
One of the best cards if you’re new to miles and points.

Chase Ink Preferred
Here’s how we calculated your Rewards Value:
Point Value X Multiplier = Rewards Value
X =
Here’s how we calculated your Bonus Value:
Point Value X Bonus = Bonus Value
X =
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Meet Dave
Dave’s spent the last 15 years traveling the world in first class using his miles and points. After analyzing the unique credit card spending habits of thousands of MilesTalk readers over the years, he developed YourBestCreditCards.com.