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A Quick Tip for Meeting Minimum Spending Requirements (I Did It and You Can, Too!)

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A Quick Tip for Meeting Minimum Spending Requirements (I Did It and You Can, Too!)

Meghan HunterA Quick Tip for Meeting Minimum Spending Requirements (I Did It and You Can, Too!)Million Mile Secrets Team

Signing up for credit cards through partner links earns us a commission. Here’s our full Advertising Policy.

Earning lucrative welcome offers from the best credit cards for travel is the quickest way to be on your way to a (nearly) free vacation.  But meeting a card’s minimum spending requirements can be a daunting task for many, and it’s easy to understand why.

Depending on your spending habits, making $3,000 to $5,000 (or sometimes more!) in eligible purchases within a given timeframe can seem impossible.  But here’s an idea!

My Sister Is Opening a Restaurant and I’m Using Some of Her Expenses to Help Me Meet the Requirements of a Spending Bonus I’m Working On

One Way to Meet Minimum Spending Requirements

Have you ever considered asking a friend or family member if they have any large purchases coming up?  If they do, you could offer to charge the purchase to your card and have them pay you back.

I did this recently with my sister.  She’s a restaurant manager and is in the process of opening a new restaurant.  We were chatting and she mentioned she’d be buying a few thousand dollars worth of items for the space – things like linens, silverware, glassware, candle holders, etc.  I thought wow, too bad I wasn’t working toward earning a new welcome offer.

She needed to buy the items quickly, so there wasn’t enough time for her to apply for her own card in order to earn an intro bonus.  But I remembered that I’d been targeted for a spending bonus on one of my credit cards.

With the offer, I could earn 7,500 bonus points every month for 6 months, up to a total of 45,000 bonus points.

So I asked her if she’d be willing to charge the items to my card and reimburse me.  She had to check with her boss but was eventually given the go ahead.  I sent her my credit card information, she placed the order, and I’ll get reimbursed (and earn a ton of bonus points!) soon.

Now I understand these types of opportunities don’t come around too often, but it’s worth mentioning because it may help you think out of the box when it comes to meeting minimum spending requirements for bonus rewards.

Just remember, only do this with friends and family you trust 100% because you’re the one responsible for any charges on your card!

Have you ever gotten creative when it came to meeting a minimum spending requirement?  I’d love to hear about your experience in the comments below!  And be sure to check out our list of the best credit cards for travel to start earning the travel rewards you need to take an amazing getaway!

Chase Sapphire Reserve®

Chase Sapphire Reserve®

  • Earn 50,000 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®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®

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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Yes. My daughter wanted a new Nintendo. So rather than her using just her debit card. I talked her into letting me order it off a portal where I also get points and using the cc I’m working on for msr. #DoubleDip

Carolyn Johnson

Great idea! Our son, who is a college student, does this to charge his tuition, and then we reimburse him! In this way he has his own points to travel free with us or with friends!

Awesome! Very nice too that the university allows credit card payments. Not all of them do! 🙂

I purchased Walmart gift cards at a $100 each for $1000. Knowing My wife and I would use them in the future without any problems. There were no added fees on Purchasing the gift cards.

We just set them aside and used them as we needed for groceries, gas, miscellaneous, etc.

It helped us easily meet our $3000 minimum purchases in 3 months.

My boss wanted to order something for the office on a Friday afternoon, and I promised him both a better price and faster delivery if he let me order it over the weekend instead (I had a coupon available on my account). It was only a few hundred bucks, but every little bit helps, and there was no risk of not getting reimbursed.

Oh yes — my friend group often rents a big Airbnb for a weekend party, and I volunteer to front the costs.

Author

Nice! I’ve done the same before, too. Thanks for sharing!