- Low introductory rate. If you're planning to make that big purchase in cash, use a zero percent APR offer or a card with a decent grace period to float your purchase. Park your cash in a high interest savings account until the end of the promotional offer, and you'll score even more cash back.
- Extra warranty protection. Even if you believe in making big purchases with cash, you've got to admit that the right credit card can save you from a lot of hassle. Many of the best credit card deals include protection from loss, theft, damage or seller misrepresentation.
- Cash back, rewards or miles. Retailers have to pay up to 5 percent of your purchase price in processing fees, so there's no reason you shouldn't find a card that gives you back nearly all of that markup.
Remember that the best rewards credit cards require good or excellent credit. Pay off your big purchase as quickly as you can, to avoid getting hit with high finance charges or balance transfer fees later.