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How to Meet Credit Card Minimum Spend – We’ll Show You 40 Powerful Ways!

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How to Meet Credit Card Minimum Spend – We’ll Show You 40 Powerful Ways!

Million Mile SecretsHow to Meet Credit Card Minimum Spend – We’ll Show You 40 Powerful Ways!Million Mile Secrets Team

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How to Meet Credit Card Minimum Spend

  • Use your new card for all everyday expenses, like groceries, gas, dining, and cell phone / internet bills
  • Buy holiday, birthday, or graduation gifts in advance
  • Make charitable or religious contributions
  • Pay for medical expenses, insurance, home repair, and services
  • Add friends and family as authorized users to your account so their spending counts, too
  • Consider paying a small convenience fee to use your card to pay taxes, tuition, or utilities
  • Pay for small business expenses and travel
  • … and more!

Has this happened to you?

You’ve been approved for multiple credit cards this month, but you’re worried you won’t be able to complete the thousands of dollars in minimum spending required to get all those valuable welcome bonuses!

Lots of us who collect miles and points are thrifty.  So spending thousands of dollars in a few months can seem daunting.  But there are plenty of common everyday expenses you can charge to your credit card to help you meet your spending requirements.

There are also more unconventional things you can charge to your credit card that you may never have realized was possible!  And when you’re in a bind, you can reach minimum spending with very little effort for a small fee.  I only recommend this method if it’s absolutely necessary.

40 Powerful Ways To Complete Your Credit Card Minimum Spending Requirements
Opening Credit Cards and Meeting Minimum Spending Requirements Is the Fastest Way to Get Big Travel With Small Money

I’ll give you 40 ways to complete minimum spending requirements on a credit card so that we can all get the bonuses we’re after.

How to Spend 4,000 Dollars in 3 Months (or More!)

Travel rewards cards with big welcome offers often require a substantial amount of spending in a certain timeframe to unlock the bonus.  For example, 2 of the top cards for beginners, the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card, come with a minimum spending requirement of $4,000 on purchases in the first 3 months of account opening.

Here are 40 ways to meet minimum spending on your new credit card!

Regular Expenses

1.   Gas

I’m always amazed at how many people pay cash or use a debit card to pay for gas.  Use your new credit card instead!

2.   Cell Phone, Cable, and Internet

You can usually pay for your cell phone, cable, and internet bill using a credit card.  You may also be able to prepay your cellphone, cable, or internet bill via a credit card by paying more than the monthly amount due.  Do NOT do this if you can’t pay off your credit card bill when it comes due.  The interest you’ll incur for carrying a balance will make earning miles & points much less worth it!

3.   Dining

Pay for all your dining expenses using a credit card.  Don’t pay cash unless you absolutely have to.

4.   Groceries

Pay for all your groceries using a credit card.  If there’s a sale, it’s a good time to stock up on essentials!

40 Powerful Ways To Complete Your Credit Card Minimum Spending Requirements
Switching Your Grocery Bill to Your New Credit Card Should Make a Big Dent in Your Spending Requirement

5.   Netflix

Pay for your Netflix subscription using a credit card.

6.   Insurance

Pay your car, homeowners, medical, or renter’s insurance using a credit card.  If you are on a monthly plan, consider paying in advance for a few extra months.  Once again, only do this if you can pay off your credit card bill when it comes due!

7.   Gym Membership

Pay for your gym membership with a credit card.

8.   Car Repairs

Why write a check or use a debit card to pay for oil changes and repairs when you can use your new credit card?

9.   Toll Transponders

If you have an automated toll transponder in your car (E-ZPass I-Pass, FasTrak, etc.), you may be able to use your credit card to load additional money to your toll account.


10.   Holiday Gifts

Consider buying your holiday gifts in advance!

11.   Birthday Gifts

Buy birthday gifts for friends and family in advance.

12.   Graduation Gifts

If you know a soon-to-be graduate, buy their gifts now to help meet your minimum spending.

13.   Charitable Contributions

Many folks make donations to charities.  Consider making a donation using your new credit card!

14.   Religious Contributions

It’s possible you could make your regular religious contributions (church, temple, etc.) via credit card instead of writing a check or using cash.  If you’re not sure, it never hurts to ask!

Medical Expenses

15.   FSA Account

If you have a Flexible Spending Account (FSA), you likely have a debit card to use for your medical expense payments (co-pays, prescriptions etc.)  In most cases, you can pay for your FSA-approved expenses with a regular credit card, and submit a request for reimbursement.  It’s a bit more inconvenient, but it helps complete minimum spend requirements!

16.   Vision Insurance

If you have vision insurance, you may be able to buy contact lenses online or from a vision provider with your credit card, and submit a request for reimbursement later.

17.   Home Remodeling & Other Services

If you’re renovating your home, you can look for a contractor that accepts credit card payments.  It’s important to note that a contractor or other household service provider you trust is much more important than a few extra miles (blasphemy, I know!).

40 Powerful Ways To Complete Your Credit Card Minimum Spending Requirements
House Renovations Can be Costly. Use the Opportunity to Earn a Big Welcome Bonus!

18.   Contractor Supplies

Ask your contractor if you can purchase the supplies needed for your project directly from the shop (Home Depot, Lowe’s, the lumber yard etc.).  If your contractor agrees, purchase the supplies using your credit card.

19.   Babysitter, Maid, Pet Sitter, Handyman, Landscaper

Ask your babysitter, maid, pet sitters, handymen, and yard work providers if they will accept credit card payments.

Friends and Family

20.   Reimbursement for Purchases

Ask your friends or family if you can pay their expenses using your credit card, and get them to write you a check to pay you back.  Like any of the above expenses we’ve already talked about!

Note:   Only do this with friends and family you trust implicitly!

40 Powerful Ways To Complete Your Credit Card Minimum Spending Requirements
Ask to Pay the Full Dinner Bill, and Have Others Reimburse You Later

21.   Add Authorized Users to Your Cards

This is a more seamless way of paying for your family’s expenses.  This way they can use your credit card account to make their everyday purchases.  And they can reimburse you later.  Again, only do this with folks you trust!

22.   Splitting Payments

Most shops will let you use multiple credit cards for 1 transaction.  For example, if you are buying a $1,000 TV, you can ask the cashier to charge, say, $300 on one card (to complete the exact minimum spending required if you had only $300 left to spend on that card), and $700 on a different card.  That way you can complete your minimum spending on more than 1 card.

23.   Wedding Expenses

Congratulations on your upcoming wedding!  But don’t forget to ask the vendors if you can pay the deposit or other wedding expenses with your credit card!  Weddings can be costly, and using the right credit cards can net you a free honeymoon!

Pay a Convenience Fee To Use Your Credit Card

In general, paying a convenience fee (2% or higher) to use a credit card for a payment is not worth the miles earned on a regular basis.

However, it can be useful to meet the minimum spending requirement on a credit card or to achieve a certain level of spending on a card.  For example, you’ll get 1 weekend night at almost any Hilton hotel when you spend $15,000 each cardmember year on The Hilton Honors American Express Business Card.

If you’re $4,000 short of your spending requirement this year, you could use a service that allows you to pay with your credit card for a 3% fee.  That’s like paying $120 to earn the free weekend night ($4,000 X 3%).

Paying $120 could be totally worth a weekend night, especially if you use it at a fancy hotel.  Like the Conrad Koh Samui in Thailand, which sells rooms for $600+ per night!

40 Powerful Ways To Complete Your Credit Card Minimum Spending Requirements
Stay at the Stunning Conrad Koh Samui With Your Weekend Night From the AMEX Hilton Small Business Card

You should always check the fees involved and do the math to see if these options make sense for you.

24.   Car Registration

You may be able to pay for your car registration with a credit card for a small convenience fee.


You can use Plastiq to pay any bill (business or individual) with a credit card.  That includes bills that do NOT accept credit cards!  They charge a flat 2.5% fee, but sometimes have promotions with lower rates.

25.   Car Payments

Use Plastiq for your monthly car payment!

26.   Mortgage Payments

Unfortunately, Plastiq no longer accepts Visa or AMEX cards for mortgage payments.  But any other card should be fine!

27.   Utility Payments

You can pay for utilities such as water and electricity by using a credit card either through your utility provider, or via a 3rd-party provider, such as Plastiq, for a fee.

Education Expenses

28.   College Tuition

Many colleges will let you pay for all or part of the tuition and housing costs with a credit card for a fee.  Check your college’s website or Official Payments for more information on paying with a credit card.

29.   Student Loans

You may be able to use a credit card, for a fee, directly through your loan provider.


30.   Property taxes

You may be able to pay your property taxes with a credit card for a fee either directly through your county or through a 3rd-party service provider such as Official Payments.

31.   US Taxes

You may be able to pay your Federal Income taxes with a credit card for a fee.  The IRS maintains a list of tax payment service providers on their website.

32.   State & Local Taxes

You may be able to pay your state and local taxes either directly through your county, or through a 3rd-party service provider, like Official Payments, for a fee.

Small Business Owners

33.   Business Travel

If you travel on business, you may be able to charge expenses to your personal credit card and then claim reimbursement from your employer.

34.   Reselling

Lots of folks in the miles & points community enjoy reselling products.  It’s a good way to make a few extra bucks, and a bunch of miles & points in the process!   For example, team member Keith resells sewing machines.  And team member Meghan recently resold Xbox consoles and made a lot of money!

40 Powerful Ways To Complete Your Credit Card Minimum Spending Requirements
Keith Has Earned ~500,000 Points From Reselling. The Spending Helps Him Achieve Huge Welcome Bonuses!

Buying lots of items and reselling them can be very helpful for meeting minimum spending.  But there are definite risks associated with reselling.  It’s not guaranteed you won’t lose money in the process!

35.   Regular Business Expenses

Depending on what kind of small business you own, meeting minimum spending may not be an issue at all!  Simply switching your small business expenses temporarily to your new cards can help you reach your spending requirement.

Some folks may not like this idea, because it’s convenient to have all business expenses on 1 card, and personal expenses on another.  But getting free travel is worth the hassle!  If you’re a carpenter, you may spend thousands of dollars per month on building materials.  Just swipe your new cards for those purchases, and keep track of that spending for tax season.

36.   Loans

Websites like Kiva Loans allow you to help fund the hopes and dreams of other entrepreneurs with your credit card.  And loaning money with your credit card does NOT count as a cash advance.

However, it will take 6+ months for you to receive your full amount of money back.  So if loaning money will result in carrying a balance on your credit card, this is NOT a good idea!  And there is always slight risk that the loan could default, and you’ll lose your money.

Payment Services

Payment services allow you to transfer money from one person to another.  Be aware that the fees and policies are continually changing, so I recommend that you check the fees before using any of these options.  Read all Terms & Conditions, so you know what is allowed and what is NOT!

37.   Venmo

This is a way to transfer money from person to person with a credit card using your smartphone.  It’s great to pay others for things like meals, rent, groceries, etc.  For example, if your roommate is at the store, you can reimburse them immediately for purchasing the $1,500 bronze elephant trunk wall sconce you’ve been wanting.

40 Powerful Ways To Complete Your Credit Card Minimum Spending Requirements
Venmo May Be THE Easiest Way to Meet Minimum Spending

Venmo charges a 3% fee when you use a credit card to send money.  Just know that Venmo has been closing accounts that frequently transfer money back and forth.  So even if you and a friend legitimately transfer money to each other all the time, Venmo may not like it.  It might be a better idea for you to transfer money through Venmo, and your friend to write you a check when he wants to give you money.

38.   PayPal

PayPal is a large payment processor similar to Venmo, which charges a fee of 2.9% + 30 cents for purchases or personal transfers with a credit card.  There are lots of reports of PayPal closing accounts for frequently transferring money between accounts.  So use it as intended, or you’ll be shut down!

39.   Money Transfers

Companies like Xoom let you send money internationally for a fee.

40.   Fund a New Bank Account

Some banks allow you to initially fund a new account with certain credit cards.  Keep in mind, some cards will not work because the transaction posts as a cash advance.  So set your card’s cash advance limit to zero before you try this.

Bottom Line

Don’t let large minimum spending requirements prevent you from getting big credit card bonuses!  There are lots of ways to meet credit card minimum spend to unlock a lucrative welcome bonus.

The above tips and a little planning will let you meet most of the spend necessary to get the large credit card welcome offers to unlock free travel!

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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If we need to spend another $1000 or so to get a sign-up bonus, we just buy gift cards at our favorite stores, like Trader Joe’s, Starbuck’s and Costco. That way, we prepay our groceries or other planned expenses. The gift cards don’t expire. We do have to pay for the spend before the three months are up.

Not sure if this was mentioned but vet bills and pet insurance!

How about listing something on ebay for $2,000 to $3,000 with account A and buying the item with account B? With about a 3% ebay fee, it seems worth it when trying to get intro bonus miles/points of 75,000 or 100,000. I read somewhere that paypal does NOT charge for first 10 items (per month, I think), so essentially you are paying 3% of $3,000 ($90) for up to $1000 worth of miles/points.

When I was using eBay they would charge me a 10% final sale fee and PayPal would charge me 2.9% as a transaction fee. So anything I sold on eBay cost me 13% of the final sale price. 13% of $3,000 ($390.00)… Did eBay not charge you a final sale fee of 10%?

Can I make payments to another card with my Sapphire card?

You can sign up for Square payment processing and link it with your bank account. After that just swipe your credit card. Square will charge you 2.5% fee, which can be fully refunded once you process the refund within 4 months. This method will basically extend the period by 4 months to meet minimum spending. Eg. For marriot premium credic card, I need to spend $5000 in 3 months. If I am only able to spend $4000 in 3 months, then I just swipe $1000 on my square account so credit card will actually have $5000 in purchases. I will get $975 in my account after 2.5% fee from the square. After couple months, I will process a refund of $1000 transaction so I will get full refund on the same card. By that time I will have my bonus points from the credit card.

Yes, Same question as Dave. The terms and conditions of my welcome bonus stipulate that the amount required to spend is a net purchase amount which is a purchase amount minus refunds and returns etc. The condition states: “Earn cash rewards when you use your card to make purchases, minus returns, credits and adjustments (“Net Purchases”).” So a refund processed for 1000 could be seen as a return, credit or adjustment. Were you able to keep your points?

Doesn’t the card then recognize the transaction as null per their terms? Have you done this and kept the points?

alfred turner

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