This Is How I Complete the Minimum Spend Requirements for New Travel Credit Cards

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This Is How I Complete the Minimum Spend Requirements for New Travel Credit Cards

EmilyThis Is How I Complete the Minimum Spend Requirements for New Travel Credit CardsMillion Mile Secrets Team

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I’ve been lucky enough to travel the world like I never thought possible thanks to credit card rewards points.  My goals are to travel domestically at least ~3-4 times a year to visit family and friends, and to take ~1-2 international trips.  I thought that my travel schedule would have to stop after I had my daughter, who just turned 1, but we’ve barely slowed down!

I sign-up for new credit cards to maintain miles & points to fulfill my travel goals throughout the year.  A few of my favorite programs are Chase Ultimate Rewards points, which I can use for domestic travel, international travel, and hotels!  And I love American Airlines miles for international trips as well.

My Goal Is to Travel Internationally at Least 1-2 Times per Year.  So I Apply for Travel Credit Cards to Do So!

Meeting the minimum spending requirements on lots of credit cards can be daunting.  You have to complete the minimum spending, or you don’t get the intro bonus!  You can easily screw up your credit if you don’t manage credit card responsibilities well.  Even I’ve forgotten to pay a credit card balance and had my account closed because of it.  So we are sharing our stories so that YOU don’t make the same costly mistakes.

How I Complete the Minimum Spending on My Credit Cards

When I get a new credit card, I put it front and center in my wallet and use it for everything I possibly can, including groceries, gas, medical bills, and any other day-to-day expenses.  Here are a few other ways that help me meet my target spending sooner:

  • I immediately update my cell phone account with the new credit card information and even prepay a few months’ worth of charges
  • I buy holiday gifts in advance, such as buying several gift cards at a time
  • I’ll add a family member as an authorized user.  My mom sometimes has hundreds of dollars of charges to pay, so I made her an authorized user on my credit card, and she writes me a check in exchange!
  • I prepay my car/home/bundle insurance.
My Mom Gladly Helps Me Earn More Points for Big Travel with Small Money!

How to Meet Credit Card Minimum Spend – 40 Powerful Ways!

If you need more ideas, we’ve compiled 40 Powerful Ways to Meet Credit Card Minimum Spend.

You’ll probably be surprised to learn some of the ways you can rack up more spending with a credit card, and some people even pay a small fee if it means it will help them meet the spending for huge credit card sign-up bonuses.

What do you do to meet the minimum spending on your new credit cards?

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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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You left out prepaying water, gas, electricity and all monthly bills. Pay car, etc. insurances with annual payment. Walmart money orders with PIN-enabled gift cards to deposit into bank accounts…….**where** Walmart will allow such purchases.


Thanks for the reminder for everyone! It’s also listed in our 40 Ways to Meet Your Minimum Spend article I link to in the post.


Can we use a business cc for everything that’s not “business” related?




You can use your business card for whatever purchases you want. The issuers do not manage the accounting of your business purchases.

Thanks Emily! 🙂


Anytime! 🙂