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Step 6: Meet the Minimum Spending Requirements

To get the sign-up bonus on credit cards, you have to complete a certain amount of spending on the cards.  The required spending can range from making your 1st purchase (of any amount) to spending $10,000 within 3 months.

You Don't Need a Money Tree to Meet High Credit Card Spending Requirements. You Just Need to Know a Few Tricks!
You Don’t Need a Money Tree to Meet High Credit Card Spending Requirements. You Just Need to Know a Few Tricks!

You may be wondering how folks are able to do this amount of spending on multiple cards.  Check out my list of 40+ ways to meet minimum spending requirements for all of my tips.  But here are a few highlights :

  • Avoid using cash –  You want to be rewarded for your spending.  So put as much of your everyday expenses as possible on credit cards.  But do NOT spend beyond your budget just get miles & points!
Cash Is NOT King in the Miles & Points Game
Cash Is NOT King in the Miles & Points Game

Using these tips and the other 40+ ways to meet minimum spending makes it easy to do lots of spending on credit cards and earn big credit card sign-up bonuses!

Is Meeting Minimum Spending Requirements Easy for You?

Big Spenders get even more perks for putting lots of spending on credit cards such as:

  • More bonus miles
  • Elite status without flying or staying in hotels
  • Companion Passes
Credit Card Companies Give Big Spenders Even More Perks!
Credit Card Companies Give Big Spenders Even More Perks!

For example, with the Citi Hilton Reserve card you can earn another weekend night stay each year you spend $10,000 on the card.  Read my series on Big Spenders for more details on rewards you can earn for doing lots of spending.

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