Buying a car is a huge expense. And unfortunately, it is usually a low investment that loses the price over time, starts with the moment you overcome it.
The silver lining here is that a car purchase can earn you some serious awards if you – in rare cases – all costs on credit cards to acquire valuable points and miles. A big purchase, such as car down payment, is also a great way to meet Minimum expenditure requirements To offer welcome from credit card.
If you are considering buying a car with a credit card, then here are some cards to consider and be aware of important things.
Best Card to Buy Car
Choosing the right card can make more rewards on your car purchase, which can make the process more beneficial. There are some great cards here to use a car while buying or down payment.
American Express Platinum: Best for Big Purchase
Annual fee: $ 695 (See) Rates and fees,
Welcome to the proposal: The new cardamberries can detect their proposal and see if they are eligible to earn a high of 175,000 bonus points after spending $ 8,000 on the eligible purchase on the new card in the first six months of card membership. Welcome offers are different, and you may not be eligible for a proposal.
Rate of earnings on car purchase: Spend 1 point per dollar
Why is this a good option: Platinum Card® to American Express An excellent option is because it is No predetermined expenditure limitIt is ideal for a big purchase like a new car. The range of spending any preset does not mean unlimited funds, but if you want to buy a large down payment or even the entire car, this card is a better option than one with a certain credit limit. The amount you can spend adapts based on factors like your purchase, payment and credit history.
Amex platinum requires full payment every month, but with Pay over timeCardamembars can create a balance (although it earns interest). If you buy a car, it is recommended that you pay the card as soon as possible and avoid losing the price you received.
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To learn more, read us Complete review of Amax Platinum,
Apply here: American Express Platinum
American Express Business Platinum: Best for big spenders
Annual fee: $ 695 (See) Rates and fees,
Welcome to the proposal: Get 150,000 bonus points after spending $ 20,000 on eligible purchases within the first three months of card membership.
Rate of earnings on car purchase: 1.5 points spent on US procurement of more than $ 5,000 per dollar (up to $ 2 million per calendar year procurement)
Why is this a good option: Business Platinum Card® to American Express The individual Amax is similar to platinum and has no predetermined expenditure limits. This card is another ideal option as it earns 1.5 points per dollar spent on the purchase of $ 5,000 or more. A $ 10,000 down payment on a new car will earn you 15,000 Amex points of the price of $ 300 as per TPG’s July 2025. Valuation, The amount you can spend adapts based on factors like your purchase, payment and credit history.
To avail the maximum advantage of this card, make sure that car purchase or down payment is at least $ 5,000; Otherwise, you are doing better to use a no-annual-charge card that offers prizes on nonbonous categories, such as American Express Blue Business Cash ™ Card (Look Rates and fees), Which earns 2% cash back (first spent each calendar year at $ 50,000, then 1%).
To learn more, read us Complete review of Amex Business Platinum,
Apply here: American Express Business Platinum
American Express Blue Business Plus: Best for Maximum points
Annual fee: $ 0 (see Rates and fees,
Welcome to the proposal: Get 15,000 bonus points after spending $ 3,000 on purchase within the first three months of card membership. In addition, get a 0% introductory annual percentage rate for 12 months from the date of account opening. (After that, Apr 17.49%-27.49%will have a variable rate.) (See Rates and fees,
Rate of earnings on car purchase: First spent 2 points per dollar at $ 50,000 each calendar year (then 1 point per dollar)
Why is this a good option: For card without annual fee, Blue Business® Plus Credit Card from American Express Each calendar earns an impressive 2 points of dollars per dollar spent at the first $ 50,000 in purchase of year (and then 1 point per dollar).
Since the card comes with 0% introductory APR, it can be easy to shop with it and it can be easy to pay within 12 months to avoid interest fee.
Unlike two platinum cards, it comes with a predetermined range, so make sure you can cover the cost or down payment of the car before purchasing.
To learn more, read us Complete review of Amax Blue Business Plus,
Apply here: American Express Blue Business Plus
Chase Freedom Unlimited: Best to Earn Cash Back
Annual fee: $ 0
Welcome to the proposal: The new card holder can return $ 200 cash after spending $ 500 in three months before the inauguration of the account.
Rate of earnings on car purchase: 1.5% cash back
Why is this a good option: Chase freedom unlimited® (Look Rates and fees) Cash can be a great way to earn back – and turn it into valuable points.
Purchase of $ 15,000 car will earn you back $ 225 cash. However, if you have Final award points-Kamai Credit CardAccording to TPG July 2025, you can maximize your cash by converting it into 22,500 points, which are of a price of $ 461. Valuation,
Cardholders also get 0% introductory ARR on purchasing and remaining transfer for 15 months by opening an account. After the introductory period, a variable APR of 18.99% -28.49% applies. This can give you time to pay your car purchase without any interest.
To learn more, read us Full review of freedom unlimited,
Apply here: Chase freedom unlimited
Select CITI / Aadvantage Platinum: Best for American Airlines Lylists
Annual fee: $ 0 introductory annual fee first year, then $ 99
Welcome Bonus: Earn 80,000 bonus miles after spending $ 3,500 on purchase in four months before opening an account.
Rate of earnings on car purchase: 1 mile and 1 loyalty point per dollar
Why is this a good option: Although CITI® / Aadvantage® Platinum Select® World Elite MasterCard® Only 1 mile per dollar is spent, the real advantage for American airlines fly continuously It is that the card earns 1 loyalty point in the dollar. If a dealership allows you to make full purchases on a large down payment or card, you can earn a good part of the loyalty points towards the position of the aristocratic class.
I paid below my wife’s city / aadvantage platinum for the purchase of my previous car as she was less loyal points. Executive platinum statusAnd this purchase helped him to secure.
To learn more, read us City / Aadvantage Platinum Card Complete Review,
The information for the City Platinum Select is collected independently by the points cow. The card details on this page or the card have not been provided by the issuer.
Buying a car with a credit card FAQ
Although it may seem easy to buy a credit card car, keep some things in mind here.
What is the maximum amount I can put on credit card?
The maximum amount you can put on the credit card depends on the car dealership. You may be able to negotiate how much it can charge, because it was the case for me. I was able to interact with my local dealership to increase the maximum allowed fee on the credit card from $ 5,000 to $ 8,000.
Do all dealerships accept credit cards?
If you want to buy a car on a fully credit card, it is recommended to call further and talk to a finance manager at the dealership. Some vehicles cannot accept credit cards for purchase, while others will be happy to accept them. In my experience, a down payment is usually payable with a credit card when the car is financed or leased, provided that it is within the permitted range of the fee.
Which dealership fees charge for using credit cards?
This varies by dealership, and while some can charge fee for some credit card transactions, other dealerships can opt for not charging any fee. When I placed a down payment on my car last year, the dealership did not charge me the transaction fee, even when I interacted on charging more amount of payment to my credit card. The easiest way to find out is to call a dealership in your area, but this may require more effort on your share.
Can I pay a portion of the price with my credit card?
Again, it depends on the dealership, as something can only allow you to use a credit card for a lease or down payment towards the financed vehicle. Others may allow you to keep the full purchase price of the car on the credit card.
Do I need to pay my entire balance?
If you buy a car on a card that is offering a 0% interest rate, you can pay the minimum balance (usually 1% of the entire balance) per month or to pay adequate payment to pay the entire card within the promotional period. If you put charge on a card that pays interest, the best course of your action is to pay a full amount to avoid interest.
Does buying a credit card car affect my credit score?
While buying a car on your credit card, your Credit use Will definitely grow, and it can negatively affect your credit score. To keep your use low, pay the balance as soon as possible, and you will minimize the long -term effects.
Ground level
Buying a car with credit card can be a great way to earn a large amount, mile or cash back. This is also an easy way Fill the requirement of minimum expenditure On a new card.
Just keep in mind that not all dealerships will allow you to charge full purchase price – many only accept credit cards for down payments – so be sure to check prematurely.
Connected: Best credit card
For the rates and fees of Amax Platinum, click Here,
For business platinum rates and charges, click Here,
For the rates and fees of Blue Business Plus, Click Here,
For the rates and fees of Amax Blue Business Cash, Click Here
