Reader Requests: What can Big Spenders ($30,000 to $2 million+) get from spending on credit cards?

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Reader Requests:  What can Big Spenders ($30,000 to $2 million+) get from spending on credit cards?

Million Mile SecretsReader Requests:  What can Big Spenders ($30,000 to $2 million+) get from spending on credit cards?Million Mile Secrets Team

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I often get asked what are the best credit cards for folks who can spend large amounts of money on credit cards.

Big Spenders are folks who can pay lots – tens of thousands, hundreds of thousands, & millions of dollars – of reimbursable or business expenses with their credit cards and can get lots of benefits such as:

  • Elite status without flying or staying in hotels
  • Companion passes
  • Cash Back
  • Bonus airline miles and hotel points (in addition to the miles and points for regular spending) for award stays later on
  • Inching their way towards lifetime elite status with Marriott or Delta

What matters to you?

As always, you have to determine your needs and find out what you value most.  The only wrong answer is NOT having a clear sense of what you want with the hundreds of thousands of dollars which you can spend on a credit card.

  • Do you want to fly internationally or domestically?
  • Do you care if you sit in First Class or Coach?
  • Do you want to earn elite status in hotels and airlines?
  • Do you want to earn as many redeemable miles and points as possible for future award travel?
  • Do you want points or miles with just one airline or hotel?
  • Do  you want to earn points which can be transferred to different programs?
  • Do you want Cash back or Lifetime elite status?

Decide what is most important to you and then use the list below to get there!  For example, if you want free flights (& you have a friend or partner to take along) within the US, your best option is likely going after the Southwest Companion pass.

In this series of posts, I will NOT list cards which give you extra points for spending in certain categories (e.g. gas, groceries etc.), but will cover that in a separate post later on.

So let’s see what you can get for spending on a credit card.  Please remember that many of these cards are NOT good choices if you are NOT a big spender in search of a specific goal.

Over the next few days, we’ll see how Big Spenders can use credit cards for:

  • 1.   Sign-up Bonuses
  • 2.   Cash Back
  • 3.   Domestic US Flights
  • 4.   Bonus Miles & Points
  • 5.   Transferable Points
  • 6.  Hotel elite status
  • 7.  Airline elite status
  • 8.  International Companion Passes
  • 9.  Lifetime  Elite Status

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Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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I am in a very similar situation to Joey. I juggled several cards, usually different variations of Chase cards. I met their caps with ease.

My revenues are fairly large. I have found the Cap1 Spark Business card at a full 2% cash back is best for me. You can’t beat cash, especially at a full 2% anywhere you use the card with a relatively small $59 annual fee. There are some tricks folks use to maximize their travel rewards with other cards. I don’t travel (once a year). I do have a AMEX SPG card for the hotel rewards when I do. Pretty slick for their free hotels (no occ tax either), totally free. Cat 1 and 2 hotels are very limited however.

Chase UR cannot be beat for car rentals in my experience. Their travel portal is awesome for rental cars, and if you have an annual fee Chase card you get a 20% bump in point redemption.

Anyone know how to beat 2% cash back on everything, anytime or am getting greedy? 🙂

Awesome Blog BTW!

The website says you won’t get Delta points for money orders, but how would the bank know that you bought a money order instead of stamps?

“Cash advances, cash portion of a PIN POS sale with cash back, ATM transactions, payments for stored-value cards, wire transfers, money transfers, money orders, cashier checks, quasi cash, traveler’s cheques, purchase of monetary instruments or a PIN POS/signature transaction that contains either in whole or part of one or more of the previously excluded transaction types do not qualify.”

So what is the verdict here: Do you get Delta points when you use the SunTrust Delta Checking card to buy USPS money orders?

Frank says yes. Darius says no.

Million Mile Secrets

@stan – I haven’t tried recently, but it could be coded differently.

So I’ve been doing the credit card sign up game for some time now with my personal credit and I started a business this year that has grown very fast. I buy and resell electronics. Recently I started buying more of my inventory off eBay and through PayPal. These expenses alone have added up to over 25k this month alone and it doesn’t show any sign of slowing down. I currently have both chase ink cards and an American Airlines business card. I am curious as to what card is going to give me the biggest bang for my spending. Currently just accumulating a ton of ultimate points. I can’t really decide which card is best. For my personal credit it’s not a big deal doing sign up bonuses but its kind of difficult to toggle tons of business credit cards because of record keeping issues. So I’m looking for a solid card to just use all the time. Debating capital one 2% Hilton card and Starwood card. Would like to get buddy pass for southwest but I am better off waiting until 50k bonus comes back and getting that to post in January. Any thoughts would be great. Thanks.

Million Mile Secrets

@Joey – It depends on your goals, but a combination of the Starwood Business or Capital One 2% spark could be the best business cards.

Does anyone know if there is a limit on how many miles you can earn with the chase sapphire per year? As i currently use this for most of my spending that about 18-20k per month. is there a better card then this to use?

Million Mile Secrets

@AK – That’s fair…and it never hurts to diversify the points and miles stash.

@Frank – I could buy USPS money orders, but the points didn’t post to my Delta account.

@DBest – It really depends on what your goal is. After reading this series of posts, you should be able to decide for your self. If you’re talking about $30 to $40K in spending, my favorite options would be the British Airways Companion pass for $30K or Hilton Diamond status for $40K a year.

@Matt MSP – I completely agree with you. There’s no point hoarding these currencies and they always will devalue.

@cshia – There is no limit on the amount of points you can earn with the Chase Sapphire Preferred. But if you’re transferring them to United, you may be better off with the United Club card which offers 1.5 miles per $1 spent (versus 1 mile per $1 spent with the Chase Sapphire Preferred).

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