The best way to earn points & miles quickly is through credit card welcome bonus 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 in 3 months is common. And some cards have tiered offers that require far more spend than that to get the maximum bonus.
What if you don’t spend that much on credit cards? One option is to look for ways to increase credit card spend (and get most of it back). For details about these techniques, see:
Another option is to only sign up for offers with low spend requirements.
Below you’ll find current offers with low spend requirements. Offers are sorted by our formula for estimated first year value. Of course, you should use your judgment. A card may offer valuable Amtrak rewards, for example, but if you don’t plan to ride Amtrak it doesn’t make sense to sign up.
As a reminder, we always strive to show the best public offers even if it means that we will not earn any commission for those cards.
Best Offers that require $0 to $500 Spend
First 5 offers are shown. Press “Next” to see more.
| Card Offer and Details |
|---|
AAdvantage Aviator Red World Elite MasterCard 60K miles + waived annual fee 60k miles after 1st purchase with annual fee waived for the first year (then $99) No Annual Fee First Year, Then $99 Card Type: Mastercard World Elite Earning rate: ⚬ 2X AA ⚬ 1X everywhere else 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 |
Frontier Airlines World MasterCard® 50K miles + $100 flight voucher 50K miles and a $100 flight voucher after $500 spend in 90 days No Annual Fee First Year, Then $79 Card Type: Mastercard World Earning rate: 5X at FlyFrontier.com ⚬ 3X restaurants Big spend bonus: $100 discount voucher after $2,500 in annual spend. ⚬ Elite 20K status (free bag & seat selection) w/ $20K calendar year spend ⚬ Elite 50K (adds family seating & free seat selection for up to 8 companions) with $50K calendar year spend ⚬ Elite 100K status (adds "theWORKS" bundle for primary cardmember & up to 8 traveling companions) with $100K calendar year spend Noteworthy perks: ⚬ Keep miles from expiring with one purchase every six months. ⚬ No award redemption fee when taxes/fees are paid for with the card. |
Capital One VentureOne Rewards Credit Card FM Mini Review: Decent welcome bonus for a fee-free card, but other cards offer better rewards for ongoing spend. Card Type: Mastercard Earning rate: 1.25X everywhere ⚬ 5X on hotels and rental cars booked via Capital One Travel Noteworthy perks: Redeem miles for travel at value of 1 cent per mile ⚬ Convert "miles" to airline miles & hotel points ⚬ No foreign transaction fees |
Disney Premier Visa Card 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. Card Type: Visa Signature or Platinum Base 1% Dine 2% Gas 2% Grocery 2% Brand 2% Earning rate: 2X grocery stores, restaurants, gas stations, and most Disney locations ⚬ 1X everywhere else 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 |
Capital One Quicksilver FM Mini Review: While you can do better with a no-fee 2% cash back card, the Quicksilver card often offers excellent discounts with popular services such as Uber or Spotify. Card Type: Mastercard Base 1.5% Travel 5% Other 5% Earning rate: 1.5% everywhere ⚬ 5% on hotels and rental cars booked via Capital One Travel Noteworthy perks: No foreign transaction fees ⚬ Up to 6 months of complimentary Uber One membership statement credits through 11/14/2024 |
Upromise World MasterCard® issued by Barclays 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. Card Type: Mastercard Base 1.25% 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. 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) |
Capital One SavorOne Cash Rewards Credit Card Card Type: Mastercard Base 1% Travel 5% Dine 3% Grocery 3% Other 3% Earning rate: 3% on dining, entertainment, select streaming services, and purchases at grocery stores ⚬ 1% everywhere else ⚬ 10% cash back on Uber & Uber Eats through 11/14/24 ⚬ 8% cash back on Capital One Entertainment purchases ⚬ 5% on hotels and rental cars booked via Capital One Travel Noteworthy perks: Complimentary Uber One membership statement credits through 11/14/2024 ⚬ No foreign transaction fees |
Amazon Prime Rewards Visa $200 Amazon Gift Card Eligible Prime members get a $200 Amazon.com Gift Card upon approval. Terms apply. No Annual Fee FM Mini Review: For Amazon Prime members, this is a great card for Amazon, AWS, and Whole Foods purchases. Card Type: Visa Credit Card Base 1% Dine 2% Gas 2% Grocery 5% Shop 5% Brand 5% Other 2% Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon.com and Amazon physical stores ⚬ 5% back at Whole Foods ⚬ 2% Back in Amazon rewards at US restaurants, US gas stations, and drugstores ⚬ 1% back on all other purchases |
American Airlines AAdvantage MileUp Card FM Mini Review: Not bad for grocery spend if you highly value AA miles Card Type: Mastercard World Elite Earning rate: 2X grocery ⚬ 2X AA ⚬ 1X everywhere else Noteworthy perks: Save 25% on inflight food and beverage purchases |
Paceline Credit Card Apple Watch Rebate Earn weekly statement credits when you meet fitness goals, up to $429 in total value, after you purchase an Apple Watch with the Paceline Card $60 Annual Fee FM Mini Review: For those who exercise enough to earn the doubled rate every week, this is one of the most rewarding cash back cards on the market. Card Type: Visa Signature Base 1.5% Grocery 2.5% Shop 2.5% Other 2.5% Earning rate: 2.5% for groceries, drugstores, sporting goods, fitness, and athletic apparel ⚬ 1.5% everywhere else. Earn double (5% or 3%) each week when you meet fitness goals. Noteworthy perks: Earn double rewards when you complete fitness goals (150 minutes elevated heartrate per week). Requires a fitness tracker: Apple Watch, Fitbit, or Garmin. Currently only available for iPhone users. |
Disney Visa Card 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. Card Type: Visa Signature or Platinum Base 1% Earning rate: This card only earns 1% back in the form of "Disney Dream Dollars" on most purchases (and 2% in bonus categories) and the meet & greet is also available on the Disney debit card. However, the current signup bonus makes it worth a look. Noteworthy perks: ⚬ Character meet & greet at a private cardmember area ⚬ 10% off select merchandise purchases of $50 or more at Disney Store and DisneyStore.com |
Citizens Bank Cash Back Plus® World Mastercard® FM Mini Review: This card isn't ordinarily worth a look with only 1.8% cash back. Card Type: Mastercard World Base 1.8% Dine 1.8% Gas 1.8% Other 1.8% Earning rate: 1.8% back everywhere Noteworthy perks: 1.8% cash back on all purchases |
TD Cash Visa Credit Card Card Type: Visa Signature Base 1% Dine 3% Grocery 2% Earning rate: ⚬ 3% dining ⚬ 2% grocery stores |
Discover it® for Students $50 + First Year Double + $20/year Get $50 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories. Plus, get $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years. No Annual Fee FM Mini Review: In my opinion this is the single best "starter card" for students. It offers great rewards and no annual fee. Card Type: Discover Earning rate: 5X in rotating categories, up to $1500 spend per quarter. Noteworthy perks: Discover Cash Back is worth more than face value when redeemed for partner gift cards |
Amazon Business Prime American Express Card $125 Amazon Gift Card Eligible Prime members get a $125 Amazon Gift Card upon approval. Terms apply. (Rates & Fees) No Annual Fee FM Mini Review: For Amazon Prime members, this is a great card for Amazon, AWS, and Whole Foods purchases. Note though that Chase and Synchrony offer similar consumer cards. Card Type: Amex Credit Card Base 1% Dine 2% Gas 2% Grocery 5% Shop 5% Phone 2% Brand 5% Other 2% Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon Business, AWS, Amazon.com, Whole Foods on up to $120K in purchases per calendar year, then 1% ⚬ 2% Back in Amazon rewards at US restaurants, US gas stations, and on US wireless telephone services ⚬ 1% back on all other purchases |
Free Spirit Travel Mastercard Card Type: Masrercard World Earning rate: 2X Spirit 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 |
Discover it Miles - Double Miles your first year $100 + First Year Double Get $100 after first purchase. All "miles" earned in first 12 months will be doubled. This makes this a 3% cash back card for the first year. No Annual Fee FM Mini Review: Great card to get for its first year 3% cash back. Card Type: Discover Base 1.5% Earning rate: 1.5 miles per dollar for all spend. Noteworthy perks: ⚬ No foreign transaction fees ⚬ Redeem miles for travel or for cash back (1 cent per mile either way) See also: Discover introduces a new card and a potentially VERY lucrative 1st year offer |
Verizon Visa Card Card Type: Visa Signature Earning rate: Earn Verizon Dollars: 4% grocery & gas ⚬ 3% dining ⚬ 2% Verizon (including monthly wireless bill) ⚬ 1% everywhere else Noteworthy perks: $10 per month savings per line (up to 10 lines) by using card for Autopay ⚬ No foreign transaction fees. |
The Comenity® Mastercard® Credit Card FM Mini Review: Possibly worthwhile for a low-spender looking for an easily-attainable welcome bonus. Card Type: Mastercard Base 1.5% Earning rate: 1.5% everywhere |
AARP® Travel Rewards Mastercard® Card Type: Mastercard Base 1% Travel 3% Dine 2% Earning rate: 3% airfare, hotel stays, and car rentals ⚬ 2% restaurants ⚬ 1% everywhere else |
AARP® Essential Rewards Mastercard® Card Type: Mastercard Base 1% Gas 3% Other 3% Earning rate: 3% drugstores and gas stations ⚬ 2% medical expenses ⚬ 1% everywhere else |
Chase Slate Edge $100 Cash Back Earn $100 statement credit after $500 in purchases in first 6 months. 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 19.24% - 27.99% on balance transfers and purchases after the introductory period ends. No Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Even though this card is marketed as a cash back card, it actually earns Ultimate Rewards points which are redeemable for 1 cent each, or can be combined with other Ultimate Rewards-earning cards to get even more value. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months. FM Mini Review: This card could be worth it for the welcome bonus and intro APR when offered, but since it offers no ongoing rewards it is a poor choice for ongoing spend. Card Type: Visa Signature or Platinum Base 0% Earning rate: This card does not earn ongoing rewards beyond the welcome bonus. Noteworthy perks: Get considered for a 2% APR reduction when you pay on time and spend at least $1K on card by next anniversary until APR reaches the Prime Rate plus 9.74%. |
Discover it® $50 + First Year Double Get $50 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories. No Annual Fee FM Mini Review: This is a great choice for its rotating 5% categories Card Type: Discover Earning rate: 5X in rotating categories, up to $1500 spend per quarter. Noteworthy perks: Discover Cash Back is worth more than face value when redeemed for partner gift cards |
CNB Crystal Visa Infinite Credit Card FM Mini Review: This card's value is hobbled by an inferior Priority Pass membership (as of 1/1/20). Card Type: Visa Infinite Earning rate: ⚬ 3X airline, hotel, taxi, limousine, rental car, train bus, restaurant, fast food and takeout food and dining purchases ⚬ 1X everywhere else Big spend bonus: Get reimbursed up to $550 for airline lounge club membership after $50K calendar year spend. Noteworthy perks: Up to $350 a year in statement credits for airline incidental fees (as of 1/1/20) ⚬ 12 Gogo In-Flight Wifi passes per card ⚬ $100 Global Entry fee reimbursement ⚬ Priority Pass lounge membership for 2 cardholders (guests are not free as of 1/1/20) See also: CNB Crystal Visa Infinite loses valuable perks as of Jan 1 2020 |
Cleveland Cavaliers Credit Card Recent better offer: 100K points were briefly available at launch FM Mini Review: Points are worth $0.01 each, so the welcome bonus and ongoing rewards in bonus categories are respectable for a card with no annual fee. Card Type: Mastercard Base 1% Dine 3% Grocery 3% Brand 5% Earning rate: 5x Cavs season tickets and streaming services ⚬ 3x other Cavs tickets, dining, grocery, and delivery ⚬ 1x everywhere else Noteworthy perks: 10% off at the Cavs store ⚬ $5 towards Peacock Premium after $500 monthly spend |
Manchester United Credit Card Recent better offer: 50K points were briefly available at launch FM Mini Review: Points are worth $0.01 each, so the welcome bonus and ongoing rewards in bonus categories are respectable for a card with no annual fee. Card Type: Mastercard Base 1% Dine 5% Other 5% Earning rate: 5x rideshare and streaming services ⚬ 5x bars and restaurants on match days ⚬ 1x everywhere else Noteworthy perks: 10% off at the Manchester United Megastore, Red Cafe, and United Direct ⚬ $5 towards Peacock Premium after $500 monthly spend |
Liverpool FC Credit Card FM Mini Review: Points are worth $0.01 each, so the welcome bonus and ongoing rewards in bonus categories are respectable for a card with no annual fee. Card Type: Mastercard Base 1% Dine 3% Brand 5% Other 5% Earning rate: 5x points on Liverpool FC merchandise at the Official Liverpool FC Store and on Liverpool FC ticket purchases, select rideshare and streaming services ⚬ 3x at bars, restaurants, and select delivery services ⚬ 1x everywhere else Noteworthy perks: Annual LFC International Membership for as long as card account is active (benefits include a 10% retail discount in LFC official stores and online with a maximum discount value of £75 per season year, digital matchday programmes for every Premier League home match, and access to a dedicated online Members' Area as well as discounts on Anfield Stadium Tours and food from the Boot Room Sports Café as well as an LFC pen, pin badge, and keyring upon LFC International Membership initiatio). ⚬ LFCTV GO complimentary for the first year; and then with LFC International Membership, cardholders receive 50% off LFCTV GO each following year. |
New Orleans Pelicans Credit Card FM Mini Review: Points are worth $0.01 each toward a statement credit or 1.25c toward Fanatics gift cards, so this card could be a good deal for its bonus categories. Card Type: Mastercard Base 1% Dine 4% Gas 4% Brand 4% Other 4% Earning rate: 4x gas ⚬ 4x bars, restaurants, and select food delivery services ⚬ 4x on Pelicans tickets ⚬ 10% statement credit for concessions purchases at Smoothie King Center and at the in-venue and online Pelicans team store |
Discover it Business - Double cash back your first year First Year Double All cash back earned in first 12 months will be doubled. This makes this a 3% cash back card for the first year. No Annual Fee FM Mini Review: Great card to get for its first year 3% cash back. Card Type: Discover Base 1.5X (1.5%) Earning rate: 1.5% cash back for all spend. Noteworthy perks: ⚬ No foreign transaction fees ⚬ Redeem cash back in any amount See also: New Discover Business card: effective 3% back first year |
Costco Anywhere Visa Card Type: Visa Signature Base 1% Travel 3% Dine 3% Gas 4% Earning rate: ⚬ 4% gas and EV charging (up to $7K spend / year) ⚬ 3% restaurant & travel; 2% Costco ⚬ 1% everywhere else |
Costco Anywhere Business Visa Card Type: Visa Signature Base 1% Travel 3% Dine 3% Gas 4% Brand 2% Earning rate: ⚬ 4% gas (up to $7K spend / year) ⚬ 3% restaurant & travel ⚬ 2% Costco ⚬ 1% everywhere else |
Fidelity Rewards Visa Recent better offer: $100 back after $1K in first 3 months Card Type: Visa Signature Base 2% Earning rate: 2X everywhere Noteworthy perks: 2% cash back on all purchases |
SoFi Credit Card 3% cash back + $50-$250 bonus $50-250 + 3% cash back on up to $12,000 for one year after being approved for a credit card and setting up a direct deposit within the first 25 days ($50 bonus for deposits under $5,000; $250 for direct deposits of $5000+) No Annual Fee FM Mini Review: This card could be a good option for someone looking for a 2% cash back Mastercard, though keep in mind that the Citi DoubleCash is a competitor that earns at the same rate while offering points which could become transferable to airline partners, whereas the SoFi credit card only earns cash back rewards. Card Type: Mastercard World Elite Base 2% Earning rate: 2X everywhere Noteworthy perks: 2% cash back on all purchases (3% for first year on up to $12k with direct deposit) ⚬ no foreign transaction fees ⚬ cell phone insurance |
Alliant Cashback Visa Signature Card FM Mini Review: Good cash back card for everyday spend as long as you do not spend more than $20K per billing cycle (at which point a 2% card would be better). Lack of foreign transaction fees is a positive. Card Type: Visa Signature Base 2.5% Earning rate: Tier One Rewards (which now requires $1,000 in an Alliant high-yield checking account and 2 electronic transactions per month) offers 2.5% cash back everywhere on up to $10K per billing cycle, then unlimited 1.5% cash back beyond $10K in purchases in a billing cycle. (Note that some purchases, like those from GiftCards.com, are not eligible for cash back) Noteworthy perks: No foreign transaction fees |
Huntington Voice FM Mini Review: With most of this card's category bonuses, you can do better with other cards. If you do find a useful category and max out the $2K spend each quarter, you'll come out only $80 ahead per year compared to using a 2% cash back card. Card Type: Mastercard Base 1% Travel 3% Dine 3% Gas 3% Grocery 3% Shop 3% Office 3% Biz 3% Other 3% Earning rate: 3% cash back on up to $2K in spend in the category you choose each quarter: gas stations, travel & entertainment, restaurants, discount & warehouse stores, grocery stores, utilities & office supply stores, electronics and computer and camera stores, department and apparel and sporting good stores, auto parts & service, and home improvement stores |
Bilt Mastercard None This card features no welcome bonus, but it offers the chance to earn 1x points when paying rent (on up to $50K per year in rent payments) with no annual fee. No Annual Fee FM Mini Review: If you pay rent and haven't been earning rewards, this card is a no-brainer as you can pay your rent and earn rewards with no fee. A surprisingly good set of transfer partners makes the rewards for using this for rent worth getting the card for that main purpose alone (as long as you remember to use the card 5 times per month). Card Type: Mastercard World Elite Earning rate: Must use your card for 5 purchases per month, then: 3x Dining ⚬ 2x Travel ⚬ 1x rent (up to 50,000 points per year) ⚬ 1x everywhere else Noteworthy perks: Transfer points 1 to 1 to airline and hotel programs (including American Airlines, United, Hyatt, Aeroplan, and more) ⚬ Redeem points for 1.25 cents each towards travel booked through Bilt's travel portal ⚬ Cell phone insurance ⚬ No fee to pay rent and earn rewards |
Venmo Credit Card Recent better offer: 6% cash back on your eligible top spend category, 4% on the next, and 2% on all other purchases [Expired 12/31/21] Card Type: Visa Base 1% Earning rate: 3% on your eligible top spend category ⚬ 2% on your second top category ⚬ 1% everywhere else ⚬ Eligible cateories include Dining & Nightlift, Travel, Bills & Utilities, Health & Beauty, Grocery, Gas, Transportation, Entertainment |
X1 Card No standard bonus Earn a mystery bonus of 4x, 5x, or 10x on every dollar spent for the first 30 days No Annual Fee FM Mini Review: This is can be a good option for those who want a single card with high cash-like rewards. The key is that you must only redeem points for statement charges where points are worth 1 cent each. Even then, this card is best only for those who spend over $15K per year, but less than $7,500 per month. Card Type: Visa Signature Base 2X (2%) Earning rate: X1 offers "Boosts" of additional point earnings for various categories of spend, for specific merchants, and for certain thresholds of spend. You must enroll in these boosts to earn more points. Big spend bonus: After spending $15,000 within your cardmember year, the base earning rate jumps to 3x. This is applied for both the first $15K of spend and future spend within the same cardmember year. Note that there is a $7,500 monthly cap on 3x rewards Noteworthy perks: Higher credit limit than most cards ⚬ Virtual card numbers ⚬ 90 day purchase protection against theft or damage ⚬ Up to 1 year extended warranty ⚬ $250 return protection ⚬ cell phone protection ($500 max, $50 deductible) ⚬ trip protection ⚬ car rental coverage |
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Best Offers that require $1,000 Spend
First 5 offers are shown. Press “Next” to see more.
| Card Offer and Details |
|---|
Free Spirit Travel More Mastercard 60K Points + $100 Voucher 60K points plus $100 companion voucher after $1K spend in 90 days No Annual Fee First Year, Then $79 Card Type: Masrercard World Elite Earning rate: 3X Spirit ⚬ 2X dining & grocery ⚬ 1X everywhere else 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 |
Amtrak Guest Rewards® Preferred Mastercard® Recent better offer: 50K + $100 statement credit after $2,500 spend Card Type: Mastercard World Earning rate: ⚬ 3X Amtrak ⚬ 2X qualifying travel, dining, transit, and rideshare ⚬ 1X elsewhere 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. Ability to transfer up to 25,000 points to hotel partners after $20K calendar year spend. 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 |
Chase Southwest Airlines Rapid Rewards® Plus Card This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: Expired 12/9/21: 100K (50K after $2K spend in 3 months plus 50K after a total of $12K spend in 12 months) 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. Card Type: Visa Signature or Platinum Earning rate: 2X local transit and commuting, including rideshare ⚬ 2X internet, cable, phone services, and select streaming ⚬ 2X Southwest Big spend bonus: If you earn 125,000 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. |
Southwest Rapid Rewards® Priority Credit Card This card is known to be subject to Chase's 5/24 rule. Recent better offer: Expired 12/9/21: 100K (50K after $2K spend in 3 months plus 50K after a total of $12K spend in 12 months) FM Mini Review: Great for frequent Southwest flyers - this card could easily be a long-term keeper. Card Type: Visa Signature or Platinum 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. Big spend bonus: If you earn 125,000 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 $10K in purchases Noteworthy perks: ⚬ 7,500 anniversary points each year ⚬ $75 Southwest annual travel credit ⚬ Four A1-15 boardings every year ⚬ 20% back on in-flight drinks, Wi-Fi, messaging, and movies |
Southwest Rapid Rewards® Premier Credit Card This card is known to be subject to Chase's 5/24 rule. Recent better offer: Expired 12/9/21: 100K (50K after $2K spend in 3 months plus 50K after a total of $12K spend in 12 months) 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. Card Type: Visa Signature or Platinum 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. Big spend bonus: If you earn 125,000 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 $10K in purchases Noteworthy perks: 6000 bonus points each year upon card renewal. 2 EarlyBird Check-Ins each year. |
Sonesta World Mastercard 65K points 60K points after $1K spend in 90 days plus 5K points for adding an authorized user No Annual Fee First Year, Then $75 FM Mini Review: Best for those who stay often at Sonesta hotels Card Type: Mastercard World Earning rate: 2X airfare, car rental and dining ⚬ 3X Sonesta Big spend bonus: 30K bonus points with $7.5K cardmember year spend Noteworthy perks: Instant upgrade to Sonesta Travel Pass Elite (free club access or continental breakfast plus other perks) |
Barclays JetBlue Plus Mastercard Alternate offer: You could get a 50K offer using an employee code. Details here. Recent better offer: Expired 2/4/21: 100K after $6K spend 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. Card Type: Mastercard World Elite Earning rate: 2X restaurants and grocery ⚬ 6X JetBlue ⚬ 1X everywhere else Big spend bonus: Earn Mosaic elite status with $50,000 calendar year spend. Mosaic status good for rest of calendar year and all of next year. 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 See also: Barclaycard JetBlue offers are live and worth a look |
Wyndham Rewards Earner Plus Card Recent better offer: Expired 10/14/21: 90K after $2K spend FM Mini Review: Not bad, but the business version is better. Card Type: Visa Signature or Platinum Earning rate: 6X Wyndham & gas ⚬ 4X restaurants & grocery ⚬ 1X everywhere else Noteworthy perks: 7,500 points each anniversary year ⚬ Platinum status ⚬ 10% discount on free night awards ⚬ Cardmember discount on paid stays ⚬ No foreign transaction fees See also: Wyndham Earner credit cards review: Surprisingly strong |
Hilton Honors American Express Card FM Mini Review: This card isn't particularly rewarding, but it's good to keep primarily for targeted Amex upgrade offers to the Surpass card. Card Type: Amex Credit Card Earning rate: ⚬ 7X Hilton spend ⚬ 5X US restaurants, US Supermarkets, and US gas stations ⚬ 3X on all other eligible purchases Big spend bonus: Gold elite status with $20K calendar year spend Noteworthy perks: ⚬ Free Silver status; Gold status with $20K spend. ⚬ Terms Apply. (Rates & Fees) |
Virgin Atlantic World Elite Mastercard 35K miles 35K after $1K spend in first 90 days plus 5K after adding 2 authorized users $90 Annual Fee Card Type: Mastercard World Elite Earning rate: 3X Virgin Atlantic ⚬ 1.5X everywhere else Big spend bonus: Companion award ticket with $25K annual spend ⚬ 7,500 bonus points with $15K cardmember year spend + an additional 7,500 points with $25K cardmember year spend ⚬ 25 tier points towards elite status per $2,500 spend (max 50 tier points per month). See also: Virgin Atlantic World Elite Mastercard Deep Dive: Maximize Earnings and Status |
Wyndham Rewards Earner Card Recent better offer: Expired 10/14/21: 60K after $2K spend FM Mini Review: Sign up for the bonus. Keep for the 10% award discount. Card Type: Visa Signature or Platinum Earning rate: ⚬ 5X Wyndham & gas ⚬ 2X restaurants & grocery ⚬ 1X everywhere else Big spend bonus: 7,500 points each anniversary year after $15K spend Noteworthy perks: Gold status ⚬ 10% discount on free night awards ⚬ Cardmember discount on paid stays ⚬ No foreign transaction fees See also: Wyndham Earner credit cards review: Surprisingly strong |
Amtrak Guest Rewards Platinum Mastercard Recent better offer: 20K after $1K spend Card Type: Mastercard Platinum Earning rate: ⚬ 2X Amtrak ⚬ 2X dining ⚬ 1X elsewhere 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 |
Royal Caribbean® Visa Signature® Credit Card 10K points + $200 statement credit 10K points + $200 statement credit after $1K spend in 90 days No 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. Card Type: Visa Signature Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara |
Celebrity Cruises® Visa Signature® Credit Card 10K points + $200 statement credit 10K points after first purchase in 90 days plus $200 statement credit after $1K in purchases 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. Card Type: Visa Signature Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara |
United Gateway Card 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 Card Type: Visa Signature Earning rate: 2X United ⚬ 2X gas stations ⚬ 2X local transit and commuting Noteworthy perks: Improved economy saver award availability ⚬ No foreign exchange fees ⚬ One year of complimentary Dash Pass (Must activate by 12/31/24) ⚬ 25% back on United in-flight and Club Premium drink purchases |
Bank of America Travel Rewards Card Type: Visa Signature Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers See also: Bank of America cards: awesome if you've got $100K lying around |
Norwegian Cruise Line® World Mastercard® 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. Card Type: Mastercard World Earning rate: 3x Norwegian cruise line purchases ⚬ 2x air and hotel |
Miami Marlins Credit Card FM Mini Review: Points are worth $0.01 each toward a statement credit or 1.25c toward gift cards for Marlins gear, so this card could be a good deal for a Marlins fan. That is particularly true if you value some of the unique experiences offered by Home Run Rewards. Card Type: Mastercard Base 1% Dine 3% Brand 5% Other 3% Earning rate: 5x on Marlins tickets ⚬ 5% back on retail & concessions at IoanDepot Park ⚬ 3x on dining, food delivery, gas and drugstores ⚬ 1x on everything else Noteworthy perks: Transfer 10 points to 1 Home Run Reward point (Miami Marlins loyalty program, which offers some unique redemptions) |
Marriott Bonvoy Bold Credit Card FM Mini Review: The best use for this card is probably to downgrade from the Ritz or Boundless card to avoid the annual fee. That way, you can always upgrade again when you need the annual free night or other perks Card Type: Visa Signature Earning rate: ⚬ 3X Marriott Bonvoy ⚬ 2X travel ⚬ 1X everywhere else Noteworthy perks: Automatic Silver status ⚬ 15 nights of elite credit each year See also: Marriott Bonvoy Complete Guide |
Evergreen® by FNBO Business Edition® Credit Card $200 Cash Back $200 in rewards (20K points) after $1K in purchases in first 3 billing cycles. No Annual Fee 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. Card Type: Visa Base 2% Earning rate: 2% everywhere Big spend bonus: Earn 10,000 Bonus Points every Anniversary with $10,000 annual spend |
Wells Fargo Active Cash Card 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). Card Type: Visa |
Evergreen® by FNBO Credit Card $200 Cash Back $200 in rewards (20K points) after $1K in purchases in first 3 billing cycles. No Annual Fee FM Mini Review: Decent welcome bonus for a 2% cash back card. Card Type: Visa Signature Base 2% Earning rate: 2% everywhere |
Schwab Investor Card® from American Express FM Mini Review: The Schwab Investor card offers a decent return via the intro offer, but it isn't very rewarding for ongoing spend. Card Type: Amex Credit Card Base 1.5% Earning rate: 1.5% on all eligible purchases Noteworthy perks: Cash back is automatically deposited into your eligible Schwab account. |
Bank of America Unlimited Cash Rewards Card Type: Visa Signature Base 1.5X (1.5%) Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers |
Bank of America Customized Cash Rewards Recent better offer: $200 back after $500 spend in 90 days [Expired 1/19] Card Type: Visa Signature Base 1% Travel 3% Dine 3% Gas 3% Grocery 2% Shop 3% Other 3% Earning rate: 3% back on your choice of the following: gas, online shopping, 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 Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers |
AAA Member Rewards Visa Signature Card Card Type: Visa Signature Base 1% Travel 3% Gas 2% Grocery 2% Shop 2% Brand 3% Other 2% Earning rate: 3% travel & AAA ⚬ 2% gas, grocery store, wholesale club and drugstore purchases ⚬ 1% back everywhere else Noteworthy perks: No foreign transaction fees |
U.S. BANK ALTITUDE® GO VISA SIGNATURE® CARD 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. Card Type: Visa 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 Noteworthy perks: $15 credit for annual streaming services ( after 11 months of consecutive streaming service charges, the 12th month will get the $15 credit) |
U.S. Bank Cash+® FM Mini Review: Useful for its 5% categories, but you can do better for all other spend. Card Type: Visa Signature Base 1% Travel 5% Dine 2% Gas 2% Grocery 2% Shop 5% Phone 5% Other 5% 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 |
NBT Bank Everyday Rewards+ Card $200 Cash Back $200 in rewards (20K points) after $1000 in purchases in first 120 days No Annual Fee 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. Card Type: Visa Signature Base 1% Dine 4% Gas 2% Grocery 2% Earning rate: 4x Dining, takeout, & delivery ⚬ 2x grocery stores, grocery delivery, gas station, and streaming services ⚬ 1x everywhere else |
The Amex EveryDay® Credit Card from American Express FM Mini Review: Great choice for keeping Membership Rewards points alive if you choose to cancel other Membership Rewards earning cards. Card Type: Amex Credit Card Earning rate: ⚬ 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x) ⚬ 1x on other purchases 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 |
AT&T Access Card FM Mini Review: This card may be worth it for a welcome bonus, but it would be worth considering a product change to the Double Cash down the road..Unforunately, it seems it is no longer possible to product change to the AT&T Access More card. Card Type: Mastercard World Earning rate: ⚬ 2 points per $1 on products and services that are purchased directly from AT&T ⚬ 2 points per $1 on all purchases at online retail and travel sites ⚬ 1 point per $1 on all other purchases See also: Citi ThankYou Rewards Complete Guide |
Simon® American Express® Credit Card from Cardless $150 Statement Credit (Note that this card has been announced but is not yet available for applications) $150 statement credit after $1000 in first 90 days No Annual Fee FM Mini Review: Points are worth $0.01 each toward a statement credi Card Type: American Express Base 1% Brand 5% Other 3% Earning rate: Up to 5% back on eligible purchases at participating Simon destination retailers, along with select |
TD Business Solutions Visa Card Type: Visa Base 1% Dine 2% Gas 2% Phone 3% Earning rate: ⚬ 3% phone, internet and cable services ⚬ 2% dining and gas stations |
The Amex EveryDay® Preferred Credit Card from American Express Alternate offer: Some people click through and find that they are targeted for an offer of 30K points after $2K spend in 3 months. 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. Card Type: Amex Credit Card 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. 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 |
JetBlue Card FM Mini Review: Not bad for a fee-free airline card. Card Type: Mastercard World Earning rate: ⚬ 2X restaurants and grocery ⚬ 3X JetBlue ⚬ 1X everywhere else⚬ Noteworthy perks: 50% savings on eligible inflight purchases including cocktails, food and movies. See also: Barclaycard JetBlue offers are live and worth a look |
Delta SkyMiles® Blue American Express Card 10K miles 10K miles after $1000 spend in the first 6 months. Terms apply. (Rates & Fees) No Annual Fee Recent better offer: 10K miles after $500 spend in the first 3 months + up to $200 in statement credits for purchases at select US home furnishings stores in the first 3 months. [Expired 5/5/21] FM Mini Review: This card offers an OK welcome offer for a no-fee card, but many/most other cards offer better return for spend. Card Type: Amex Credit Card Earning rate: 2X restaurants worldwide ⚬ 2X Delta ⚬ 1X on all other eligible purchases Noteworthy perks: 20% statement credit on in-flight purchases of food, beverages, and headsets Terms and limitations apply. (Rates & Fees) |
AT&T Points Plus Card 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 Card Type: Mastercard Earning rate: ⚬ 3 points per $1 at gas stations ⚬ 2 points per $1 oat grocery stores ⚬ 1 point per $1 on all other purchases Noteworthy perks: $20 statement credit every billing cycle you spend $1,000+ (for AT&T Wireless customers omly) See also: Citi ThankYou Rewards Complete Guide |
Citi® Expedia Rewards Credit Card Card Type: Mastercard World Earning rate: 3X Expedia purchases Big spend bonus: One elite night towards Gold status for each $2.5K in spend each year Noteworthy perks: Free Expedia+ Silver status |
PRICELINE REWARDS VISA® CARD Card Type: Visa Base 1% Dine 2% Gas 2% Brand 5% Earning rate: Earn 5x on eligible Priceline.com purchases. Earn 2x on gas and restaurants. |
Allegiant World Mastercard® Credit Card Alternate offer: You may be targeted for an offer including a $100 statement credit during a dummy booking. 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. Card Type: Mastercard World Earning rate: 3x Allegiant ⚬ 2x dining 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 |
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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