Knock Out ~$8,000 in Minimum Spending Requirements in 1 Month – I’ll Show You How!

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Knock Out ~$8,000 in Minimum Spending Requirements in 1 Month – I’ll Show You How!

EmilyKnock Out ~$8,000 in Minimum Spending Requirements in 1 Month – I’ll Show You How!Million Mile Secrets Team

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My mom signed up for 2 credit cards in the last month, and the best travel credit cards often come with minimum spending requirements that you have to hit.  If you don’t meet the minimum spending requirements (even if you are off by just ~$10!), you will NOT get the welcome bonus.  So when I get a new credit card, I always closely manage the minimum spending so that I’m ensured of receiving the welcome bonus.

My Mom Just Got Her First Travel Credit Card – The Chase Sapphire Preferred!  Now She’s Working on Meeting Her Minimum Spending Requirements

Here’s How My Mom Completed the Minimum Spending for These 2 Top Travel Credit Cards

My mom recently got approved for the Chase Sapphire Preferred® Card and the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®.

Knock Out ~$8,000 in Minimum Spending Requirements in 1 Month – I’ll Show You How!

$8,000 is a lot of spending to do in just a few short months.  But the benefits are well worth it, so here’s what we are doing to meet those pesky minimum spending requirements.  It can be done.  Just make sure that you have enough cash in your bank account to pay off the credit card payments when they are due.  You do NOT want to carry over interest fees.  My mom runs a small business out of her home, so some home-related costs are applicable as her business expenses.

You don’t have to meet the minimum spending requirements in 1 month, like I am.  You can take more time to stretch out more payments.  Just be sure to track the minimum spending deadline to the date you got approved for the credit card, not when you received the credit card.

I’m the kind of person who doesn’t like added stress and risking missing very important deadlines, so I like to cross off my to-do list sooner than later.  Plus, I plan on using January to meet my minimum spending requirements needed for the Chase Southwest credit cards because all 3 consumer Southwest Cards are now offering up to 60,000 points (and count towards the Southwest Companion Pass!)


Prepaying Home/Car/Umbrella Insurance

My mom called her insurance company and her electric bill provider and asked them if she could prepay the 2019 bills.  They said yes, and now she’ll have a $1,000 credit on her account that will be applied next year.

Prepaying Internet & Phone Bills

My mom and I prepaid a combined ~$1,000 on our phone and internet bills.  This credit will be used for subsequent bills in 2019!  If you have the Ink Business Preferred℠ Credit Card, consider skipping prepaying your internet and phone bills with any other card.  That’s because you earn 3X Chase Ultimate Rewards points for every $1 you spend on internet, cable and phone services (up to a maximum of $150,000 in combined purchases per account anniversary year).

There are other categories where you can earn more Chase points.  However, if there is no other way to meet the minimum spending, then it’s worth it to get the welcome bonus!

Consider Prepaying Phone, Cable, and Internet Bills

Home Repair

Homeowners know that a house can keep you busy, and that you have to foot the bills for whatever goes wrong.  Unfortunately, I woke up one day to find my patio door had shattered.  Thankfully, the door is tempered glass and no one was hurt.   Now I’m getting quotes for a new patio door, and I estimate that the costs will run around ~$2,700.

Taking Care Of Some Projects on the “Honey Do” List Can Help Lower Your Minimum Spending Requirement

Christmas & Baby Shower Gifts

Applying for credit cards before Christmas helped my mom and I meet the minimum spending.  Also, my best friend is having a baby, so we bought a few gifts for her baby shower. Our Christmas and baby shower gifts will probably run a combined ~$1,200 in credit card spend.


Grocery bills can get expensive, especially if you have a larger family.  My mom and I went to the store and stocked up on groceries and household items we’ll use throughout the coming year.  More expensive things like laundry detergent, vitamins, and supplements can help take a bigger chunk out of the minimum spending requirement.

Stock Up on Stuff from the Grocery Store to Help Meet Your Minimum Spending

Asking Trusted Friends & Family to Help

I let my friends know that my mom and I signed up for a few credit cards in the last month, and if they have any large purchases, to consider letting us pay with our new credit card and then reimbursing them.  After having that discussion, he generously offered to let me pay hundreds of dollars of cat-sitting fees!

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

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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What about the trusted friends who don’t want to help with the MSR but give you every reason they should come on your trip because they know you’re paying with points? I be wanting to charge them…

Gah, I’ve never run into that issue, but you should definitely charge them something!

Points are worth something, maybe charge them 10 cents per point that it cost you to book the trip with

That seems a good starting point. Because yes they definitely are worth money.

SMGC are on sale, for a few more days..

You can also provide no interest loans to folks in Africa and Asia on

I have been using it for 3 years now and have lost $ 0.34 from around $2K as forex losses ( they loan folks in local currency, but you can choose loans without FX risk)


I love Kiva! It feels so good to see I have money to re-lend after a few months. And I love choosing new people to help and re-lend $$ to.

Pay regular bills with the card them immediately reimburse. Daycare expenses, gas, electric bill, trash, water, cell phone, car insurance, water delivery, groceries. I also do this monthly for credit card rewards or cash back.


I agree! I update all of my online bill pay accounts.

You can also buy gift cards if you’re short. Sams club /Costco have reduced prices on gift cards. and are great places to buy discounted gift cards. I rarely use credit card to buy groceries. I buy gift cards first ( say at 6-7% discount while using 2% cash back card using a shopping referral site that gives 1% cash back) and then use gift cards for my regular grocery shopping.

Estimated tax payments, charitable contributions and rental house insurance. I sign up for new cards when I either get hit with having to pay those or it’s the end of the year.

If you are a renter, use a site like to pay your rent. There is a 3% fee but if you are using a decent cash back card, it is worth the value as they report your payments to all 3 credit agencies. Also helps with your cash flow situation. Of course, it should not lead you to spend beyond your means. There is a difference between managing your cash flows to your benefit vs spending money to dig yourself into more debt

I own rental properties, not rent a house myself, but hopefully that can help someone else!

Curious how estimate taxes work. If you over pay do they credit back your credit card or do they send you a check post filing your taxes

Refund comes in the form of a check.

You can either get a refund or a credit towards next year. This is generally for self employed folks and requires being set up in advance with you tax professional. You also generally pay a small fee when paying taxes by credit card, but it’s a great way to meet your minimum spend!

Thanks, I do freelance so with the changes to the tax laws I was thinking of putting a payment in via Credit Card to cover any change and as an added bonus meet mininum spending. I was hoping they would send a check and not reverse the change which is sounds like they will send a check