Best Credit Cards for High Spenders

If you spend $5,000+ monthly, standard advice doesn’t apply. Here’s how to optimize at scale.

The High-Spender Equation

At high spending, welcome bonuses matter less than ongoing earning.

$10,000/month = $120,000/year

• At 2%: $2,400/year
• At 3%: $3,600/year
• At 4%: $4,800/year

That 1% difference = $1,200/year.

The Bottom Line

High spenders should optimize earning rates over welcome bonuses. The right multi-card setup can yield 3-4% average returns—thousands more annually than a single card approach.