Top Picks: Credit Cards Ideal for Big-Ticket Buys from NerdWallet

In the world of credit cards, there are numerous options available for managing large purchases and balance transfers. Here are some notable choices to consider.

For those looking to pay off a significant credit card purchase over time, a 0% APR card can be an attractive option. However, the current credit card in Germany with the longest 0%-interest introductory period for purchases is not explicitly stated in available search results. Popular recommended cards include Bank Norwegian Visa, Barclays Visa, and Hanseatic Bank Genialcard. To get the latest details on their 0%-interest periods, it's best to check directly with these providers.

When it comes to earning rewards, the Capital One Savor Cash Rewards Credit Card is a strong contender. It offers 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel, 3% cash back on dining, eligible streaming services, grocery stores, and entertainment, and 1% on all other purchases. The card also comes with a sign-up bonus of $100 credit and $200 cash bonus for spending $500 within the first 3 months.

For those seeking travel rewards, the Chase Sapphire Reserve® and The Platinum Card® from American Express are good choices. The Chase Sapphire Reserve® offers a sign-up bonus of 125,000 bonus points for spending $6,000 in the first 3 months, while the Platinum Card® from American Express provides a premium travel rewards sign-up bonus.

Another option with no annual fee is the Discover it® Cash Back, which offers a sign-up bonus. On the other hand, the Chase Sapphire Preferred® Card offers a sign-up bonus of 75,000 bonus points for spending $5,000 in the first 3 months.

For small businesses, credit cards with 0% periods and sign-up bonuses similar to the cards above can be beneficial. These cards can help manage large business expenses and offer rewards for spending.

It's worth noting that some rewards credit cards offer additional perks or rewards for hitting specific spending tiers. For instance, NerdWallet's picks for best balance transfer credit cards can be found on their website.

Lastly, using a credit card to make a large purchase and pay in full can help earn a sign-up bonus, making it a strategy worth considering. As always, it's essential to review the terms and conditions of each card carefully to ensure it meets your specific financial needs.