The best way to earn points & miles quickly is through credit card welcome offers. If you meet the minimum spend requirements and pay your bill in full each and every month, then you can get far more value from the credit card than the credit card company will ever get from you.
One catch: most of the best offers have high spend requirements; requiring $5K+ spend within the first 3 months is common. Some cards also have tiered offers that require far more spend than that to maximize the offer.
There is another option, however: only apply for offers with low spend requirements.
Overview
Below you’ll find a sortable list of the best current credit offers with spend requirements that are less than $1,000 total. The offers are sorted by our formula for estimated first year value.
You should always use your judgment when evaluating any credit card rewards, as you’re the only person that knows which travel rewards are best for you. For example, a card may offer valuable Amtrak rewards, but if you don’t plan to ride Amtrak it doesn’t really make sense to sign up.
As a reminder, we always show the best public offers regardless of whether or not we earn any commission for those cards.
Best credit card offers that require $500 or less in spend
First 10 offers are shown. Press “Next” to see more.
| Card Offer and Details |
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70K Miles ⓘ Non-Affiliate 70K miles after 1st purchase and paying the annual fee within 90 days $99 Annual Fee Recent better offer: Up to 75K: 60K miles after first purchase and 15K after adding an authorized user and making one purchase on that card [Expired 2/24/24] Earning rate: 2X AA ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: Earn $99 + tax domestic companion certificate with $20K membership year spend. Noteworthy perks: First checked bag free ✦ Preferred boarding for the primary cardmember and up to 4 companions traveling on the same reservation ✦ 25% off in-flight purchases ✦ $25 wifi credit per membership year ✦ Flight cents: round up purchases to earn more miles |
70K Miles ⓘ Non-Affiliate 70K miles after one purchase in first 90 days - enter code 482164 when applying$99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 3X Hawaiian Airlines ✦ 2x gas, dining, and grocery stores ✦ 1x everywhere else Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees. Noteworthy perks: Two free checked bags when flight is booked through Hawaiian Airlines ✦ One time 50% off companion ticket ✦ $100 off a companion ticket for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines at each account anniversary |
20K points ⓘ Non-Affiliate Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 monthNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Great for 5X and 3x categories and World Mastercard benefits. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Earning rate: 5x travel booked through Chase Travel℠ ✦ 5X Lyft through March 2025 ✦ 3x dining ✦ 3x drugstores ✦ 5X in rotating categories on up to $1,500 spend per quarter (Q2 2024: Amazon, Hotels & Restaurants) Card Info: Mastercard World issued by Chase. This card imposes foreign transaction fees. Noteworthy perks: Free DashPass for up to 3 months upon activation ✦ Cell phone protection ✦ Lyft credits ✦ $10 monthly credit for non-restaurant DoorDash orders See also: Chase Ultimate Rewards Complete Guide |
$200 Cash Back ⓘ Non-Affiliate $200 cashback after $500 spend within first 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: ✦ 3% dining ✦ 2% grocery stores Base: 1% Dine: 3% Grocery: 2% Card Info: Visa Signature issued by TD. This card has no foreign currency conversion fees. |
20K miles ⓘ Affiliate Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. (Rates & Fees)No Annual Fee FM Mini Review: Decent welcome bonus for a card with no annual fee, but other cards offer better rewards for ongoing spend. Click here for our complete card review Earning rate: 1.25X miles everywhere ✦ 5X miles on hotels and rental cars booked via Capital One Travel Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: Redeem miles for travel at value of 1 cent per mile ✦ Convert "miles" to airline miles & hotel points |
25K FunPoints ⓘ Non-Affiliate 25K FunPoints after spending $500 within the first 90 days of account opening.No Annual Fee FM Mini Review: Even for Carnival enthusiasts, there's not much to get excited about here. Earning rate: 2X Carnival ✦ 1X everywhere else Card Info: Mastercard World issued by Barclays. This card has no foreign currency conversion fees. Noteworthy perks: Points can be redeemed at 1 cent each towards Carnival purchases ✦ 0% promotional APR for 6 months on Carnival cruise bookings |
15K miles ⓘ Non-Affiliate Earn 10K AA miles after $500 spend in 3 monthsNo Annual Fee FM Mini Review: Not bad for grocery spend if you highly value AA miles Earning rate: 2X grocery ✦ 2X AA ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Citi. This card imposes foreign transaction fees. Noteworthy perks: Save 25% on inflight food and beverage purchases |
$200 Cash Back ⓘ Non-Affiliate $200 after $500 spend in the first 3 monthsNo Annual Fee FM Mini Review: This card offers a competitive flat 2% back on purchases and includes good cell phone insurance for a fee-free card (up to $600 in protection with just a $25 deductible). Base: 2X (2%) Card Info: Visa issued by Wells. This card imposes foreign transaction fees. |
$200 Cash Back ⓘ Affiliate One time bonus: $200 after $500 spend in 3 months from account opening. (Rates & Fees)No Annual Fee FM Mini Review: While you can do better with a 2% cash back card that has no annual fee, the Quicksilver card often offers excellent discounts with popular services such as Spotify. Earning rate: 1.5% everywhere ✦ 5% on hotels and rental cars booked via Capital One Travel Base: 1.5% Other: 5% Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: No foreign transaction fees |
$200 Cash Back ⓘ Affiliate One time bonus: $200 after $500 spend in 3 months from account opening. (Rates & Fees)No Annual Fee Earning rate: 3% on dining, entertainment, select streaming services, and purchases at grocery stores (excluding superstores like Walmart® and Target®) ✦ 8% cash back on Capital One Entertainment purchases ✦ 5% on hotels and rental cars booked via Capital One Travel (terms apply) ✦ 1% everywhere else Base: 1% Dine: 3% Grocery: 3% Other: 3% Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: No foreign transaction fees |
10K Points ⓘ Non-Affiliate 10K after $500 spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 2X Spirit Card Info: Mastercard World issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: ✦ 5K bonus miles each anniversary when you spend $10K within prior year Noteworthy perks: Points Pooling ✦ 25% in-flight food & beverage rebate ✦ No points expiration ✦ No foreign transaction fees ✦ Zone 2 priority boarding |
$100 Cash Back ⓘ Non-Affiliate $100 statement credit after $500 spend in first 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Possibly worthwhile for a low-spender looking for an easily-attainable welcome bonus. Earning rate: 1.5% everywhere Base: 1.5% Card Info: Mastercard issued by Comenity. This card imposes foreign transaction fees. |
$100 Cash back ⓘ Non-Affiliate $100 cash back after $500 spend in the first 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 10/31/22: $150 after $500 in spend FM Mini Review: This card could be decent for an easy cash back bonus, but there are much more rewarding options for ongoing everyday spend. Earning rate: Earn 1.529% back on your purchases when your Upromise Program account is linked to an eligible College Savings Plan or 1.25% if it is not ✦ Up to $250 cashback rewards per calendar year on gift card purchases at MyGiftCardsPlus Base: 1.25% Card Info: Mastercard issued by Barclays. This card has no foreign currency conversion fees. Noteworthy perks: When your Upromise Program account is directly linked to an eligible 529 College Savings plan, you'll receive a 1.529% cash back (otherwise, you get 1.25% back) |
10K Points 10K points after spending $500 within the first 90 days of account opening.No Annual Fee FM Mini Review: Even for HA enthusiasts, there's not much to get excited about here. Earning rate: ✦ 2X Holland America ✦ 1X everywhere else Card Info: Visa Signature issued by Barclays. This card has no foreign currency conversion fees. Noteworthy perks: Points can be redeemed towards Holland America purchases or airfare |
10K Points 10K points after spending $500 within the first 90 days of account opening.No Annual Fee FM Mini Review: Even for Princess enthusiasts, there's not much to get excited about here. Earning rate: ✦ 2X Princess ✦ 1X everywhere else Card Info: Visa Signature issued by Barclays. This card has no foreign currency conversion fees. Noteworthy perks: Points can be redeemed towards Princess purchases, airfare or gift cards |
$100 Cash Back ⓘ Non-Affiliate $100 after $500 spend in 3 monthsNo Annual Fee Earning rate: 3% drugstores and gas stations ✦ 2% medical expenses ✦ 1% everywhere else Base: 1% Gas: 3% Other: 3% Card Info: Mastercard issued by Barclays. This card imposes foreign transaction fees. |
$100 Cash Back ⓘ Non-Affiliate $100 after $500 spend in 3 monthsNo Annual Fee Earning rate: 3% airfare, hotel stays, and car rentals ✦ 2% restaurants ✦ 1% everywhere else Base: 1% Travel: 3% Dine: 2% Card Info: Mastercard issued by Barclays. This card has no foreign currency conversion fees. |
$100 Amazon Gift Card Earn up to a $100 Amazon gift card instantly upon approval. Log in to your Amazon account to see what offer you qualify for. Note that you may be offered the Amazon Prime Visa if you are a Prime member.No Annual Fee FM Mini Review: Not as compelling as the Prime Visa Card and, if you buy enough Amazon items to be interested in it, you should probably be a Prime member anyway. Earning rate: 3% in Amazon rewards on US purchases at Amazon.com and Amazon physical stores ✦ 3% back at Whole Foods ✦ 3% back on Chase Travel purchases ✦ 2% Back in Amazon rewards at US restaurants, local transit and commuting (including rideshare), US gas stations, and drugstores ✦ 1% back on all other purchases Base: 1% Dine: 2% Gas: 2% Grocery: 3% Shop: 3% Brand: 3% Other: 2% Card Info: Visa Credit Card issued by Chase. This card has no foreign currency conversion fees. |
$100 Cash Back ⓘ Non-Affiliate $100 after $500 spend in first 3 months.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: This could be a good fit for those who spend a lot in the card's 4X categories. Earning rate: 4X self-care (gym memberships, at spas / massage parlors, and barber shops / salons) ✦ 4X sports, recreation, and entertainment ✦ 4X "planet-friendly purchases" like EV charging stations, riding public transportation, and purchasing select second hand and vintage ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Wells. This card imposes foreign transaction fees. Noteworthy perks: Cellular Telephone Protection |
Best credit card offers that require $1000 in spend
First 10 offers are shown. Press “Next” to see more.
| Card Offer and Details |
|---|
60K Points + $100 Voucher ⓘ Non-Affiliate 60K points plus $100 companion voucher after $1K spend in 90 days (enter any random five-digit number as "employee code")$0 introductory annual fee for the first year, then $79 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 3X Spirit ✦ 2X dining & grocery ✦ 1X everywhere else Card Info: Mastercard World Elite issued by BOA. This card has no foreign currency conversion fees. Big spend bonus: ✦ $100 Companion Flight Voucher EACH anniversary after making at least $5,000 in purchases within the prior year Earn ✦ 1 SQP (towards elite status) for each $10 of spend Noteworthy perks: Waived redemption fees ✦ Points Pooling ✦ 25% in-flight food & beverage rebate ✦ No points expiration ✦ No foreign transaction fees ✦ Zone 2 priority boarding |
50K points ⓘ Affiliate 50K points after $1K spend in the first 3 months.$69 Annual Fee After clicking through, be sure to manually select the exact Southwest card in which you are interested. This card is subject to Chase's 5/24 rule (click here for details). FM Mini Review: This card can be great for its new cardmember bonus, but its ongoing perks are worth the annual fee only if fully used each year. Earning rate: 2X local transit and commuting, including rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 2X Southwest Card Info: Visa Signature or Platinum issued by Chase. This card imposes foreign transaction fees. Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year. Noteworthy perks: 3000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year. 10,000 Companion Pass qualifying points each year |
50K points ⓘ Non-Affiliate 50K points after $1K spend in the first 3 months.$99 Annual Fee This card is known to be subject to Chase's 5/24 rule. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: The combination of 6,000 points plus 2 EarlyBird Checkins each year make this card a keeper for those who fly Southwest often. Earning rate: 3X Southwest ✦ 2X Rapid Rewards(R) hotel and car partners ✦ 2X local transit and rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 1X on all other purchases. Card Info: Visa Signature or Platinum issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ✦ Earn 1,500 TQPs for each $5K in purchases Noteworthy perks: 6000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year. 10,000 Companion Pass qualifying points each year ✦ 25% back on in-flight drinks, Wi-Fi, messaging, and movies. |
50K Miles ⓘ Friend-Referral 50K miles after $1K in spend in 90 days and payment of annual fee. $99 Annual Fee Note that the landing page prompts you to enter a mobile phone number to continue the application, but you can click "no thanks" to continue the application on your desktop device. FM Mini Review: Frequent JetBlue travelers should seriously consider this card for its terrific perks. The combination of the 10% rebate on awards and the annual 5,000 point bonus make this card a keeper. Earning rate: 2X restaurants and grocery ✦ 6X JetBlue ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 tile for every $1,000 in purchases. Noteworthy perks: ✦ Free checked bag ✦ 5000 bonus points every anniversary ✦ 10% point rebate on awards ✦ $100 statement credit w/ purchase of travel package ✦ 50% savings on in-flight purchases |
50K points ⓘ Affiliate 50K points after $1K spend in the first 3 months.$149 Annual Fee This card is known to be subject to Chase's 5/24 rule. FM Mini Review: Great for frequent Southwest flyers - this card could easily be a long-term keeper. Earning rate: 3X Southwest ✦ 2X Rapid Rewards(R) hotel and car partners ✦ 2X local transit and rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 1X on all other purchases. Card Info: Visa Signature or Platinum issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: If you earn 135,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ✦ Earn 1,500 TQPs for each $5K in purchases Noteworthy perks: ✦ 7,500 anniversary points each year ✦ $75 Southwest annual travel credit ✦ Four A1-15 boardings every year ✦ 25% back on in-flight drinks, Wi-Fi, messaging, and movies. ✦ 10,000 Companion Pass qualifying points each year |
50k miles ⓘ Non-Affiliate 50K miles after $1,000 in purchases in the first 90 days$0 introductory annual fee for the first year, then $99 Earning rate: 5X at FlyFrontier.com ✦ 3X restaurants Card Info: Mastercard World issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: $100 discount voucher after $2,500 in annual spend. Noteworthy perks: ✦ 2 free checked bags for primary cardholder only ✦Keep miles from expiring with one purchase every six months. ✦ Earn 1 elite qualifying mile per dollar spent ✦ No award redemption fee when taxes/fees are paid for with the card. |
70K Points ⓘ Non-Affiliate 70K after $1K spend in first 3 monthsNo Annual Fee Alternate Offer: Choice members may be targeted for a higher offer FM Mini Review: Decent bonus for a no-annual fee card, but not a great keeper unless you value the Choice Gold Status Earning rate: 5X at Choice Hotels ✦ 3X at gas stations, grocery stores, home improvement stores, and phone plans ✦ 1X everywhere else Card Info: Mastercard World Elite issued by Wells. This card has no foreign currency conversion fees. Noteworthy perks: Automatic Gold status ✦ Cell phone Protection ($25 deductible, $800 max per claim) |
20K points ⓘ Non-Affiliate 20K points after $1K spend in the first 3 billing cycles $99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 30K points after $1K spend in the first 3 billing cycles + 2 companion certificates, 2 upgrade certificates and 2 lounge passes Earning rate: ✦ 3X Amtrak ✦ 2X qualifying travel, dining, transit, and rideshare ✦ 1X elsewhere Card Info: Mastercard World issued by FNBO. This card has no foreign currency conversion fees. Big spend bonus: Earn 1,000 Tier Qualifying Points towards elite status for each $5K spent in a calendar year. Limit 4,000 TQPs per year. Noteworthy perks: ✦ 5% Amtrak Guest Rewards point rebate on redemptions ✦ Complimentary companion coupon ✦ One-Class Upgrade and a single-day ClubAcela pass each year. ✦ 20% rebate for onboard food & beverage purchases as a statement credit See also: Amtrak Guest Rewards credit card review |
$400 OneKeyCash ⓘ Non-Affiliate $400 OneKeyCash after $1K spend in first 3 monthsNo Annual Fee FM Mini Review: Good reward categories for a card with no annual fee. Could be a winner for folks who use Expedia, Hotels.com and/or vrbo frequently Earning rate: 3% at Expedia, Hotels.com, Vrbo and at gas stations, grocery stores, restaurants, food delivery ✦ 1.5X everywhere else Card Info: Mastercard World Elite issued by Wells. This card has no foreign currency conversion fees. Noteworthy perks: Automatic Silver status ✦ Cell phone Protection ($25 deductible, $1000 max per claim) ✦ Trip insurance ✦ Primary rental car insurance |
12K points ⓘ Non-Affiliate 12K points after $1K spend in the first 3 billing cyclesNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 2X Amtrak ✦ 2X dining ✦ 1X elsewhere Card Info: Mastercard Platinum issued by FNBO. This card imposes foreign transaction fees. Noteworthy perks: ✦ 5% Amtrak Guest Rewards point rebate on redemptions. ✦ 10% rebate for onboard food & beverage purchases as a statement credit See also: Amtrak Guest Rewards credit card review |
30K Points ⓘ Non-Affiliate 30K points after $1K spend in 90 daysNo Annual Fee FM Mini Review: Points are worth $0.01 each toward onboard credit or cruise purchase with Royal Caribbean. You can earn a max of 540,000 points per year. Points expire 5 years after the month in which they are earned regardless of acivity. This card offers very poor value for ongoing spend and you may earn a more valuable welcome bonus with less required spend with other cards. Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees. |
30K Points ⓘ Non-Affiliate 30K points after $1kK in 90 days No Annual Fee FM Mini Review: Points are worth $0.01 each toward onboard credit or cruise purchase with Celebrity. You can earn a max of 540,000 points per year. Points expire 5 years after the month in which they are earned regardless of acivity. This card offers very poor value for ongoing spend and you may earn a more valuable welcome bonus with less required spend with other cards. Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees. |
20K points ⓘ Non-Affiliate 20K after $1,000 spend in first 3 months.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 3X travel & transit, gas, phone plans (wireless and landline) and streaming services Card Info: Visa Signature issued by Wells. This card has no foreign currency conversion fees. Noteworthy perks: Cell phone protection ($25 deductible, $600 max per claim) ✦ Transfer points to select airline & hotel programs |
20K Miles ⓘ Affiliate 20K miles after $1K spend in first 3 monthsNo Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: Expired 8/11/22: 30K after $1K spend Earning rate: 2X United ✦ 2X gas stations ✦ 2X local transit and commuting Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Noteworthy perks: Improved economy saver award availability (only when downgraded from a card with an annual fee) ✦ No foreign exchange fees ✦ 25% back on United in-flight and Club Premium drink purchases |
25K points worth $250 ⓘ Non-Affiliate 25K after $1K spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center Card Info: Visa Signature issued by BOA. This card has no foreign currency conversion fees. Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers |
$300 Cash Back ⓘ Non-Affiliate $300 statement credit after $1000 in purchases within first 3 months$49 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: This card only earns 1% back in the form of "Disney Dream Dollars" and the meet & greet is also available on the Disney debit card. However, the current signup bonus makes it worth a look. Earning rate: 2X grocery stores, restaurants, gas stations, and most Disney locations ✦ 1X everywhere else Base: 1% Dine: 2% Gas: 2% Grocery: 2% Brand: 2% Card Info: Visa Signature or Platinum issued by Chase. This card imposes foreign transaction fees. Noteworthy perks: ✦ Redeem rewards dollars toward a statement credit for air travel (book any airline / any destination and redeem rewards dollars at a minimum of $50 in rewards dollars) ✦ Character meet & greet at a private cardmember area ✦ 10% off select merchandise purchases of $50 or more at Disney Store and DisneyStore.com ✦ |
$250 Cash Back ⓘ Non-Affiliate $250 back as a statement credit after $1000 spend in 120 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Useful for its 5% categories, but you can do better for all other spend. Earning rate: Each quarter, choose two 5% cash back categories (capped at $2K spend per quarter combined) and one 2% category (uncapped). 1% cash back everywhere else. 5% Categories: Home Utilities ✦ Ground Transportation ✦ Select Clothing Stores ✦ Cell Phone Providers ✦ Electronic Stores ✦ TV, Internet & Streaming Services ✦ Gyms/Fitness Centers ✦ Fast Food ✦ Sporting Goods Stores ✦ Department Stores ✦ Furniture Stores ✦ Movie Theaters. 2% Categories: Gas Stations ✦ Restaurants ✦ Grocery Stores Base: 1% Travel: 5% Dine: 2% Gas: 2% Grocery: 2% Shop: 5% Phone: 5% Other: 5% Card Info: Visa Signature issued by USB. This card imposes foreign transaction fees. |
$200 Cash Back ⓘ Non-Affiliate $200 in rewards (20K points) after $1K in purchases in first 3 billing cycles.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Decent low-spend welcome bonus on a card that could be a keeper given uncapped 2% rewards on a business card. Annual big spend bonus sweetens the deal. Earning rate: 2% everywhere Base: 2% Card Info: Visa issued by FNBO. This card imposes foreign transaction fees. Big spend bonus: Earn 10,000 Bonus Points every Anniversary with $10,000 annual spend |
$200 Back ⓘ Non-Affiliate $200 back after $1K spend in 3 monthsNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: 2% cashback everywhere is decent, but this card doesn't really have anything to separate it from any other 2% cashback card. Earning rate: 2X everywhere Base: 2X (2%) Card Info: Mastercard Credit Card issued by FNBO. This card imposes foreign transaction fees. |
$200 Cash Back as a statement credit ⓘ Non-Affiliate $200 statement credit after $1K in purchases in first 3 monthsNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: The Schwab Investor card offers a decent return via the intro offer, but it isn't very rewarding for ongoing spend. Earning rate: 1.5% on all eligible purchases Base: 1.5% Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees. Noteworthy perks: Cash back is automatically deposited into your eligible Schwab account. |
$200 cash bonus ⓘ Non-Affiliate $200 cash rewards bonus after $1K spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status Base: 1.5X (1.5%) Card Info: Visa Signature issued by BOA. This card imposes foreign transaction fees. Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers |
$200 statement credit ⓘ Non-Affiliate $200 statement credit after $1K Spend in 3 MonthsNo Annual Fee FM Mini Review: This has a good gas station bonus for a no annual fee card, but there's not much else to make it a compelling card Earning rate: ✦ 3 points per $1 at gas stations ✦ 2 points per $1 at grocery stores ✦ 1 point per $1 on all other purchases Card Info: Mastercard issued by Citi. This card imposes foreign transaction fees. Noteworthy perks: $20 statement credit every billing cycle you spend $1,000+ or $10 statement credit when you spend $500 - $999.99 (for AT&T Wireless customers omly) See also: Citi ThankYou Rewards Complete Guide |
$200 Cash Back ⓘ Non-Affiliate $200 after $1000 spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 3% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 2% back at grocery stores & wholesale clubs ✦ 1% back everywhere else. 2% and 3% rewards are capped at $2500 in combined purchases per quarter Base: 1% Travel: 3% Dine: 3% Gas: 3% Grocery: 2% Shop: 3% Phone: 3% Other: 3% Card Info: Visa Signature issued by BOA. This card imposes foreign transaction fees. Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers |
20K Points ⓘ Non-Affiliate 20K after $1K spend in the first 90 daysNo Annual Fee FM Mini Review: Points are worth $0.01 each toward onboard credit or cruise purchase with Norwegian. Note that points expire 5 years after they are earned regardless of activity. This card offers very poor value for ongoing spend after meeting the welcome bonus requirements. Interestingly, it appears to be eligible for Bank of America Preferred Rewards, which would increase the bonus categories by as much as 75% for those with Bank of America's top-tier Platinum Honors. Earning rate: 3x Norwegian cruise line purchases ✦ 2x air and hotel Card Info: Mastercard World issued by BOA. This card has no foreign currency conversion fees. |
20K points ⓘ Non-Affiliate 20K after $1K spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: This card offers solid return on dining - including takeout & delivery - and no annual or foreign transaction fees. That makes it a great option for those who prefer cash back. Earning rate: 4X take out, food delivery (including apps like GrubHub, UberEATS, etc), and dining ✦ 2X grocery (including meal kit delivery), gas stations, and streaming services Card Info: Visa issued by USB. This card has no foreign currency conversion fees. Noteworthy perks: $15 credit for annual streaming services ( after 11 months of consecutive streaming service charges, the 12th month will get the $15 credit) |
25K miles ⓘ Non-Affiliate 25K after $1K in first 90 days$59 Annual Fee Alternate Offer: You may be targeted for an offer including a $100 statement credit during a dummy booking. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Points are worth $0.01 each toward airfare and do not expire unless you cancel the card. If you cancel the card, you forfeit all points. Between that policy and the annual fee, this card probably isn't worth it in most scenarios. Earning rate: 3x Allegiant ✦ 2x dining Card Info: Mastercard World issued by BOA. This card has no foreign currency conversion fees. Noteworthy perks: Priority Boarding and one free beverage every time you fly Allegiant and show your card. ✦ BOGO airfare when you use your card to buy a vacation package with at least a 4-night hotel stay or 7-day car rental on a single itinerary |
10K Points ⓘ Friend-Referral 10K after $1K spend in 3 months. Terms apply.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Great choice for keeping Membership Rewards points alive if you choose to cancel other Membership Rewards earning cards. Click here for our complete card review Earning rate: ✦ 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x) ✦ 1x on other purchases Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees. Noteworthy perks: ✦ Make 20 or more purchases in a billing period and get 20% more points, less returns and credits ✦ Points transferrable to many airline programs (unusual feature for no-fee card) ✦ Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.24% to 24.24% ✦ $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening. Terms apply. See Rates & Fees |
20K points ⓘ Non-Affiliate 20K after $1K spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 50K after $2K spend in 120 days (Ended 9/9/24) FM Mini Review: This card offers decent returns on gas station and travel spend and it features no foreign transaction fees, but points are now only worth 0.8cpp. However, return on most other spend is relatively weak. Earning rate: 4X travel, gas stations & EV charging (excludes discount stores/supercenters and wholesale clubs) ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining, grocery (including meal kit delivery) and streaming services Card Info: Visa issued by USB. This card has no foreign currency conversion fees. Noteworthy perks: Complimentary Priority Pass Select with 4 free visits ✦ Up to $100 in credits for TSA PreCheck or Global Entry |
$150 Cash Back ⓘ Non-Affiliate $150 in rewards (15K points) after $1000 in purchases in first 120 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Decent welcome bonus for very low spenders and nice ongoing 4x (effectively 4%) back on dining with no annual fee, but note that rewards expire 5 years from the end of the quarter in which they are earned and there is a $25 mininum redemption threshold. Earning rate: 4x Dining, takeout, & delivery ✦ 2x grocery stores, grocery delivery, gas station, and streaming services ✦ 1x everywhere else Base: 1% Dine: 4% Gas: 2% Grocery: 2% Card Info: Visa Signature issued by NBT. This card imposes foreign transaction fees. |
15K Points ⓘ Friend-Referral 15K after $1K spend in 3 months. Terms apply.$95 Annual Fee Alternate Offer: Some people click through and find that they are targeted for an offer of 30K points after $2K spend in 3 months. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 30K after $2K in first 3 months FM Mini Review: Thanks to the 50% bonus on points earned, this is, in my opinion, one of the strongest mile-earning cards available. Click here for our complete card review Earning rate: ✦ 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x) ✦ 2x points at US gas stations ✦ 1x points on other purchases. Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees. Noteworthy perks: Earn 50% more points: Use your Card 30 or more times on purchases in a billing period and get 50% more points on those purchases less returns and credits. Terms apply. See Rates & Fees |
10K miles ⓘ Friend-Referral 10K points after $1K spend in 90 days. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Not bad for a fee-free airline card. Earning rate: ✦ 2X restaurants and grocery ✦ 3X JetBlue ✦ 1X everywhere else✦ Card Info: Mastercard World issued by Barclays. This card has no foreign currency conversion fees. Big spend bonus: Earn 1 tile for every $1,000 in purchases. Noteworthy perks: 50% savings on eligible inflight purchases including cocktails, food and movies. |
10K miles ⓘ Affiliate 10K miles after $1000 spend in the first 6 months. Terms apply. (Rates & Fees)No Annual Fee Note an unusual restriction: Welcome bonus not available if you've had another Delta consumer card in the past 90 days. FM Mini Review: This card offers an OK welcome offer for a no annual fee card, but many/most other cards offer better return for spend. Earning rate: 2X restaurants worldwide ✦ 2X Delta ✦ 1X on all other eligible purchases Card Info: Amex Credit Card issued by Amex. This card has no foreign currency conversion fees. Noteworthy perks: 20% statement credit on in-flight purchases of food, beverages, and headsets Terms and limitations apply. (Rates & Fees) |
10K Points ⓘ Non-Affiliate 10K points after $1K spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: Earn 5x on eligible Priceline.com purchases. Earn 2x on gas and restaurants. Base: 1% Dine: 2% Gas: 2% Brand: 5% Card Info: Visa issued by Barclays. This card has no foreign currency conversion fees. |
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If you go through the carnival website like you are gonna buy something, I had an offer pop up $250 credit after 1st purchase, no $500 spend required, yes cold hard cash not carnival funny money points, so if willing to get a hard credit card pull can spend like $1 and pocket $250 profit. Called credit card company and asked if could mail a check to address on card with the credit, did it Card no annual fee. So get approved win $250. No need to sail on carnival to get this deal, but if you do card is a keeper for 10% off shore excursions and those add up…
A similar post for high spend would be helpful as well.
I like to save these type for tax time.
Thank you. Would be great if you could do a similar one for Business cards, which would help many over 5/24
Wells Fargo Choice no AF card gets 70K bonus for $1000 spend.
No FTF fees either.
It’s in the $1000 list at #7.
It’d be great to default the list to display 10 – I had no idea the list was longer than 5 until I read this comment.
Done.
Just FYI, the $500 list currently has 20 entries and the $1000 list has 34. You can scroll through them using the next button.
@Greg The Frequent Miler the paceline card is no longer available/offering the apple watch
Thanks. Fixed.
What’s with the parenthesis part of the title? Literally says the same thing as the actual title and is unneeded.
The words in parentheses are intended to explain that the post is about credit card sign-up bonuses that require low spend for getting the bonus.
With all the recent wyndham/vacasa talk, how did the business earner not make this list??? The frontier card though? Might wanna make a disclaimer about their award booking fee
Or this post is 2 years old and i didn’t realize…
The Wyndham cards are in the $1K spend list, but you’ll have to go past the top 5. The cards are sorted by estimated first year value.
I sense a post roast coming, cnb visa infinite, no sign up bonus 400 annual fee, yea racially technically really low spend to get a non existent sign up bonus
The tables in this post simply show all of the sign-up offers sorted with highest first-year value on top, and so some really bad (or non-existent) offers end up at the bottom. I really should try to figure out if I can filter out the offers with $0 (or lower) first year value!
[…] Best Low Spend Offers […]
Just applied for Arrival plus and Amex Platinum. That’s 10k of spend to be met within 3 months.
With Amex, I will probably pay my rent, still very steep. With Arrival+, I may have to resort to Simon, but not sure if that’s feasible for me. I can see other options in the links but not practical for me.
I actually love the Arrival card. Wasn’t sure to at the start, but it has worked really well for travel & very easy to redeem credit. I’m keeping this card. Well worth it