 TITLE: When to Use a Credit Card for Big Purchases CONTENT: Best Credit Cards for Big Purchases\n-----------------------------------\nThe best card is going to depend on what you're purchasing, whether it's a new card and if you can pay off the balance in full or want to pay it off over time. Here are a few top picks:\n### Wells Fargo Platinum card\nWells Fargo Platinum card\n-------------------------\nApply\non Wells Fargo's website\n**Recommended FICO® Score\\***\nGood - Exceptional\nWells Fargo Platinum card\n-------------------------\nAPR\n16.49%-24.49% (Variable)\nIntro APR\n0% for 18 months from account opening on purchases and qualifying balance transfers\n##### Card Details\n*   0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then a 16.49% to 24.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5\n*   $0 Annual Fee\n*   Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card\n*   Easy access to your FICO® Credit Score with Wells Fargo Online®\n*   Monitor your spending, purchases and any suspicious activity with text and email alerts and notifications\n*   Convenient tools to help create a budget and manage your spending with My Money Map\n*   Select \"Apply Now\" to learn more about the product features, terms and conditions\n*   Matched For You are statements made by Experian and may not reflect Wells Fargo’s underwriting standards\n[Rates and Fees](;offerid=949414.284&type=3&subid=0)\nThe Wells Fargo Platinum card has an introductory 0% APR offer that allows you to make purchases or transfer balances and pay no interest for up to 18 months before the standard APR of 16.49% to 24.49% variable starts applying. Balance transfers made within 120 days of card opening qualify for the intro bonus rate and are charged a 3% balance transfer fee ($5) minimum; transfers made after 120 days pay the ongoing rate and a 5% fee ($5 minimum). It could be a good option if you need time to pay off the balance. Plus, there's no annual fee, so you can put all your money toward paying off your balance. The downside is you won't earn any rewards, but the savings from avoiding fees and interest can add up.\n### Capital One Quicksilver Cash Rewards Credit Card\nCapital One Quicksilver Cash Rewards Credit Card\n------------------------------------------------\nApply\non Capital One's website\n**Recommended FICO® Score\\***\nGood - Exceptional\nCapital One Quicksilver Cash Rewards Credit Card\n------------------------------------------------\nAPR\n15.49% - 25.49% (Variable)\nIntro APR\n0% on Purchases for 15 months\nRewards\n1.5% cash back on All Purchases\n**Intro Bonus**\nOne-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening\n##### Card Details\n*   One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening\n*   Earn unlimited 1.5% cash back on every purchase, every day\n*   No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn\n*   0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that\n*   $0 annual fee and no foreign transaction fees\nIf you want to earn rewards and need some time to pay off your big purchase, consider the Capital One Quicksilver Cash Rewards Credit Card. New cardholders can qualify for a 200 intro bonus if they spend $500 within their first 3 months with the card. Additionally, you'll get 1.5% cash back on every purchase, large or small.\n### Chase Sapphire Preferred® Card\nChase Sapphire Preferred® Card\n------------------------------\nApply\non Chase's website\n**Recommended FICO® Score\\***\nGood - Exceptional\nChase Sapphire Preferred® Card\n------------------------------\nAPR\n15.99% - 22.99% Variable\nRewards\n2X points on Travel\n1X points on All Other Purchases\n**Intro Bonus**\nOur best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.\n##### Card Details\n*   Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.\n*   Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.\n*   Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.\n*   With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.\n*   Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12\/31\/21.\n*   Count on Trip Cancellation\/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.\n*   Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12\/31\/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.\nThe Chase Sapphire Preferred® Card has a large intro bonus for new cardholders who haven't received a bonus on any Sapphire card in the past 48 months. The bonus is for 100,000 Chase Ultimate Rewards points if you use the card to make $4,000 worth of purchases within 3 months of opening your account. The points are worth $1,250 if you use them to book travel through Ultimate Rewards, or $600 if you redeem them for cash back.\nChoose the Right Card for the Job\n---------------------------------\nPicking the right card is most important when you're making large purchases. Differences between rewards programs, promotional rates, promotional periods, benefits and purchase protections will all factor into the rewards you'll earn or how much interest you can avoid paying.\nIf you think you might want a new card for your big purchases, you can quickly compare cards and current offers using Experian CreditMatchTM. END