: Many dealerships limit credit card payments to a specific amount, often between $2,000 and $5,000 .

: Most dealers prefer you only use a card for the down payment and secure traditional financing for the remainder.

: Some experts suggest negotiating the final price before mentioning you want to pay by credit card to prevent the dealer from baking the fees into your quote. Financial Pros and Cons

: To cover merchant costs, dealers may pass a 1.5% to 4% convenience fee onto you, which can instantly negate any rewards you might earn.