Credit Card Bonuses With Low Minimum Spending Requirements

There can be a huge misconception between the value of bonus in detriment to it’s minimum spend.  Now it’s safe to say that because of this misconception, not everybody is willingly or able to throw down a hefty required spend of $3,000 to $15,000 within a given 3 or 4 months.

It’s substantial to deviate these higher spending bonus from the more average consumers who want to accomplish a realistic spend minus the interest in investing in manufactured spend. Reiterating that “higher spending bonus” notion, I want to be as clear as possible when I say that there are a variety of bonuses out there worthy of being a higher bonus without factoring in that higher spend.

$500 and Below:

This section is primarily for cards with what we believe to be a valued sign-up bonus on top of a minimum spend of $500 and below:

• Chase Freedom Unlimited:
  • $150 after $500 in spend, another $25 for adding an authorized user. Try applying in-branch to  get matched to the $300 after $500 in spend.
• Chase Freedom:
  • $150 after $500 in spend, another $25 for adding an authorized user.
• IHG® Rewards Club Select Credit Card:
  • 60,000 points after a $1,000 spend.
• Barclaycard Frontier Airlines:
  • 40,000 points after $500 in spend.
• BankAmericard Cash Rewards™ Credit Card:
  •  $200 cash rewards bonus just by making at least $500 in purchases
• Chase AARP:
  • $200 after $500 in spend.
• Capital One Quicksilver:
  • $100 after $500 in spend. No annual fee.
• U.S. Bank Cash+:
  • $100 after $500 in spend. + $25  first time you redeem $100 or more
• U.S. Bank Cash 365:
  • $100 after $500 in spend.

Location Restricted:

• TD Cash Rewards: Restricted to the following states: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA
  • $150 after $500 in spend.

$1,000 and Below: 

This section is primarily for cards with what we believe to be a valued sign-up bonus on top of a minimum spend of $1000 and below:

• Bank of America Alaska Airlines:
  • 30,000 points after making at least $1,000 in purchases in the first 90 days
• Barclaycard JetBlue Plus:
  • 30,000 points after $1,000 in spend.
• American Express Hilton HHonors:
  • 50,000 points after $750 in spend.
• TD Aeroplan Visa Signature Credit Card:
  • 25,000 miles after $1,000 spend.
• Virgin America Premium Visa Signature Card White:
  • 15,000 points after $1,000 in spend.
• Barclaycard Choice Privileges:
  • 8,000 points with your first purchase + 24,000 points when you pay for a first stay
• Bank of America Travel Rewards:
  • 20,000 points after $1,000 in spend within 90 days.
• Wells Fargo Cash Wise Visa® Card:
  • $200 after $1,000 in spend.
• Wells Fargo VISA Signature Credit Card:
  • 15,000 points after $1,000 in spend.
• Total Rewards Visa Card:
  • 10,000 points after $750 in spend + three nights free.
• Citi Expedia+:
  • 15,000 points after $1,000 in spend.
• Fidelity Visa:
  • $100 after $1,000 in spend + 2% cash back on all purchases.

Business:

• Bank of America Alaska Business Card:
  • 30,000 miles after $1,000 in spend.
• Barclaycard JetBlue Business Card:
  • 30,000 points after $1,000 in spend.

Conclusion:

Now, for those of you looking to reap a sign-up bonus, but you’re not sure if you’re down with that hefty spend upwards of $2000+. This list should make it easy for you with our $500 category, $1000 category and added YMMV targeted’s as well as Business Cards. Most of the credit cards that we listed are as we see benefit in not only sign-up bonuses and minimum low spend, but in rewards and retained value as well. Don’t forget to also check out our complete list of Credit Card Promotions today!