Updated on 05.04.17

Rewards Cards With the Lowest Minimum Spending Requirements

mom grocery shopping

Some credit cards offer signup bonuses of $100 or more just for spending $1,000 in three months — a milestone the average American family can reach on grocery shopping alone. Photo: Fareway via Facebook


By now, you’ve likely heard all about how lucrative credit card signup bonus offers can be. In many cases, the best rewards credit cards offer signup bonuses worth $300 to $500, or even more. And if you’re able to take advantage, these offers can help you score free travel, gift cards, or even hundreds of dollars in cash back.

Unfortunately, huge minimum spending requirements often serve as a roadblock between the average spender and the best offers. With some cards requiring you to spend $3,000 or more in 90 days, the bonus deals we all wish we could get can sometimes be out of reach.

But, there is some good news: Some of the top rewards cards out there offer minimum spending requirements that even people with few bills and expenses can meet easily. I’m talking cards that require you to spend $1,000 or less within 90 days – or less than $333 per month – on credit.

After all, almost everyone in the U.S. spends at least $333 per month just to live – whether on food, gas, utilities, miscellaneous costs, or a combination of those expenses. By putting those moderate expenses on credit, and paying your bill in full each month, you can secure a hefty sign-up bonus worth hundreds of dollars in cash back or travel.

6 Credit Card Signup Bonuses With a Minimum Spending Requirement of $1,000 or Less

Here are some of the top offers with a minimum spending requirement almost anyone can handle:

Chase Freedom®


With the Chase Freedom® card, you only have to spend $500 in your first 3 months from account opening to earn a $150 signup bonus. Earn 1 point per dollar spent on all purchases, plus 5 points per dollar on categories that rotate each quarter. Use your points for cash back, statement credits, or gift cards. And the best part is, this card never charges an annual fee.

Chase Freedom®

Highlights:

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Unlimited 1% cash back on all other purchases – it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74-24.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Enjoy new 5% categories every 3 months
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

BankAmericard Travel Rewards® Credit Card


With the BankAmericard Travel Rewards® Credit Card, you’ll earn 1.5 points per dollar spent on all purchases without having to worry about category bonuses or rotating promotions. Further, your points will never expire and you’ll never pay foreign transaction fees for overseas purchases. The BankAmericard Travel Rewards® Credit Card also began offering a much more lucrative signup bonus as of August 2015. By spending just $1,000 on the card within 90 days, you’ll earn 20,000 online bonus points, which can be used as a $200 statement credit towards travel purchases. Best of all, this card does not have an annual fee.

BankAmericard Travel Rewards® Credit Card

Highlights:

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.74% - 23.74% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%

Blue Cash Everyday® Card from American Express


With the Blue Cash Everyday® Card from American Express, you’ll earn an astounding 3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 2% at U.S. gas stations and at select U.S. department stores, 1% on other purchases. This card has no annual fee.

Blue Cash Everyday® Card from American Express

Highlights:

  • $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees

Blue Cash Preferred® Card from American Express


With the Blue Cash Preferred® Card from American Express you can rack up cash back easily with 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 3% at U.S. gas stations and at select U.S. department stores, 1% on other purchases. The $95 annual fee is not waived the first year, however, which is something to consider as you compare cards.

Blue Cash Preferred® Card from American Express

Highlights:

  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • $95 annual fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees

IHG® Rewards Club Select Credit Card


As a co-branded hotel card, the IHG® Rewards Club Select Credit Card offers a slew of points for users who are able to put just $1,000 on the card within 3 months. The current sign-up bonus of 60,000 points is worth at least four nights at a lower-tier InterContinental Hotels Group property nearly anywhere in the world. Here are some more details to consider:

IHG® Rewards Club Select Credit Card

Highlights:

  • Earn 60,000 bonus points after you spend $1,000 on purchases in the first 3 months from account opening
  • Enjoy an Anniversary Free Night each year of card membership at over 5,000 hotels worldwide
  • Earn 5 points for each $1 spent at our hotels
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores and restaurants
  • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®
  • Automatic platinum elite status, as long as you remain a cardmember
  • Automatic 10% points rebate on redemptions
  • $0 introductory annual fee the first year, then $49

Capital One® Quicksilver® Cash Rewards Credit Card


Rounding out our list is another card with an easy-to-hit minimum spending requirement of only $500, the Capital One® Quicksilver® Cash Rewards Credit Card. On top of the $100 bonus, you’ll also earn a respectable 1.5% cash back on all types of purchases. No annual fee and 0% APR on balance transfers and purchases for a limited time also round out this card’s offerings. Here are some details you should consider before you sign up:

Capital One® Quicksilver® Cash Rewards Credit Card

Highlights:

  • One-time $100 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.74%-23.74% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.74%-23.74% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

What to Remember When Pursuing Signup Bonus Offers

Although these rewards offers are easy to earn, it doesn’t make them any less dangerous. In order to really benefit from a signup bonus, you have to make sure you’re using credit to your benefit – and not letting your spending get out of hand.

Remember, it never pays to pursue rewards if you end up carrying a balance on your credit card and paying interest — or worse, spiraling into a lifestyle of debt and worry. To avoid falling victim to this common credit card trap, only pursue rewards if you’re able to use your card for regular bills and expenses and pay it in full every month.

Once you know you have mastered that skill, however, you’ll be in a good position to earn all kinds of rewards for purchases you planned to make anyway.

Loading Disqus Comments ...
Loading Facebook Comments ...

Leave a Reply

Your email address will not be published. Required fields are marked *