Best offers for low spenders

Best offers for low spenders

The best way to earn points & miles quickly is through credit card signup offers.  If you meet the minimum spend requirements and pay your bill in full each and every month, then you can get far more value from the credit card than the credit card company will ever get from you.

One catch: most of the best offers have high spend requirements.  Requiring $3K spend in 3 months is typical, but $5K in 3 months is becoming more and more common.  And some cards have tiered offers that require far more spend than that to get the maximum bonus.

What if you don’t spend that much on credit cards?  One option is to look for ways to increase credit card spend (and get most of it back).  For details about these techniques, see: Manufactured Spending Complete Guide.  Another option is to only sign up for offers with low spend requirements.

Below you’ll find current offers with low spend requirements.  Offers are sorted by our formula for estimated first year value.  And, as a reminder, we always strive to show the best public offers even if it means that we will not earn any commission for those cards.

Best Offers that require $0 to $500 Spend

First 5 offers are shown. Press “Next” to see more.

Card Offer and Details
AAdvantage Aviator Red World Elite MasterCard
50K miles + Companion Certificate
50k miles + introductory companion certificate (pay $99 + taxes for the companion) after 1st purchase within 90 days and payment of the $99 AF

$99 Annual Fee


Card Type: Mastercard World Elite

Base
Brand

Earning rate: ⚬ 2X AA ⚬ 1X everywhere else

Big spend bonus: Starting May 2019: Earn $99 + tax domestic companion certificate with $20K membership year spend.

Noteworthy perks: First checked bag free ⚬ Preferred boarding for the primary cardmember and up to 4 companions traveling on the same reservation ⚬ Reduced mileage awards ⚬ 25% off in-flight purchases ⚬ $25 wifi credit per membership year ⚬ Flight cents: round up purchases to earn more miles

Spirit Airlines World Mastercard®
30K miles + $100 statement credit
30K + $100: 15K after first purchase + 15K + $100 statement credit after $500 in purchases in first 3 months

No Annual Fee First Year, Then $59

FM Mini Review: Spirit awards start as low as 2500 miles one-way off peak, but miles expire with 3 months of inactivity.


Card Type: Masrercard World

Big spend bonus: ⚬ 5K bonus miles when you spend $10K annually and pay your annual fee

Noteworthy perks: Zone 2 priority boarding

Avianca Vuela Visa Card
40K LifeMiles
40K after first purchase

$149 Annual Fee

FM Mini Review: Avianca LifeMiles are useful for Star Alliance awards. Miles are valuable for short distance United Airlines flights and for international flights on partners that usually charge high fuel surcharges (such as Lufthansa).


Card Type: Visa Platinum or Signature

Base
Gas
Grocery
Brand

Earning rate: ⚬ 3X Avianca ⚬ 2X gas & grocery ⚬ Free bag for travel between US & South America

Big spend bonus: ⚬ 50% off one award ticket to Colombia or Central America after $12K spend ⚬ 50% off a 2nd award ticket to Colombia or Central America after $24K spend

Noteworthy perks: 15% discount on the purchase of miles

Frontier Airlines World MasterCard®

Card Type: Mastercard World

Base
Dine
Brand

Earning rate: 5X at FlyFrontier.com ⚬ 3X restaurants

Big spend bonus: $100 discount voucher after $2,500 in annual spend. ⚬ Elite 20K status (free bag & seat selection) w/ $20K calendar year spend ⚬ Elite 50K (adds family seating & free seat selection for up to 8 companions) with $50K calendar year spend ⚬ Elite 100K status (adds "theWORKS" bundle for primary cardmember & up to 8 traveling companions) with $100K calendar year spend

Noteworthy perks: ⚬ Keep miles from expiring with one purchase every six months. ⚬ No award redemption fee when taxes/fees are paid for with the card.

Chase Freedom

FM Mini Review: Great for 5X categories. Excellent companion card to Sapphire Reserve or Sapphire Preferred!


Card Type: Visa Signature or Platinum

Base
Grocery
Other

Earning rate: 5X in rotating categories on up to $1,500 spend per quarter. Q2 2019: 5X Grocery stores, home improvement stores

See also: Transferable points programs

Avianca Vida Visa Card
20K LifeMiles
20K after first purchase

$59 Annual Fee

FM Mini Review: Avianca LifeMiles are useful for Star Alliance awards. Miles are valuable for short distance United Airlines flights and for international flights on partners that usually charge high fuel surcharges (such as Lufthansa).


Card Type: Visa Platinum or Signature

Base
Brand

Earning rate: 2X Avianca

Noteworthy perks: 15% discount on the purchase of miles

TD Cash Visa Credit Card

Card Type: Visa Signature

Base
1%
Dine
3%
Grocery
2%

Earning rate: ⚬ 3% dining ⚬ 2% grocery stores

Disney Visa Card

FM Mini Review: This card only earns 1% back in the form of "Disney Dream Dollars" and the meet & greet is also available on the Disney debit card. However, the current signup bonus makes it worth a look.


Card Type: Visa Signature or Platinum

Noteworthy perks: ⚬ Character meet & greet at a private cardmember area ⚬ 10% off select merchandise purchases of $50 or more at Disney Store and DisneyStore.com

Major League Baseball®
BankAmericard Cash Rewards™ MasterCard® credit card
$200 Cash Back
$200 after $500 spend in 90 days

$0 Annual Fee


Card Type: Mastercard World

Base
1%
Grocery
2%
Shop
2%

Earning rate: 2% at grocery stores and wholesale clubs; and 3% on gas up to the first $2,500 in combined purchases each quarter

Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers

BOA Platinum Business Visa
$200 Cash Back
$200 after $500 spend in 60 days

$0 Annual Fee

FM Mini Review: No rewards on everyday purchases, but a nice sign-up bonus for a no annual fee card.


Card Type: Visa Platinum

American Airlines AAdvanage MileUp Card
10K miles + $50
Earn 10K AA miles + $50 statement credit after $500 spend in 3 months

$0 Annual Fee

FM Mini Review: Not bad for grocery spend if you highly value AA miles


Card Type: Mastercard World Elite

Base
Grocery
Brand

Earning rate: 2X grocery ⚬ 2X AA ⚬ 1X everywhere else

Noteworthy perks: Save 25% on inflight food and beverage purchases

Amazon Business American Express Card
$150 Amazon Gift Card
Eligible Prime members get a $150 Amazon.com Gift Card upon approval. Those without Prime get a $120 gift card.

$0 Annual Fee

FM Mini Review: For Amazon Prime members, this is a great card for Amazon, AWS, and Whole Foods purchases. Note though that Chase and Synchrony offer similar consumer cards.


Card Type: Amex Credit Card

Base
1%
Dine
2%
Gas
2%
Grocery
5%
Shop
5%
Phone
2%
Brand
5%
Other
2%

Earning rate: Prime Members: 5% on US purchases at Amazon Business, AWS, Amazon.com, Whole Foods. 2% Back at US restaurants, US gas stations, and on US wireless telephone services

Capital One® Quicksilver® Cash Rewards Credit Card
$150 Cash Back
One time bonus: $150 after $500 spend in 3 months from account opening

$0 Annual Fee

FM Mini Review: While you can do better with a no-fee 2% cash back card, the Quicksilver card often offers excellent discounts with popular services such as Uber or Spotify.


Card Type: Visa Signature or Platinum

Base
1.5X
(1.5%)

Earning rate: 1.5% everywhere

Noteworthy perks: No foreign transaction fees

U.S. Bank Cash+
$150
$150 after $500 spend in 90 days

$0 Annual Fee

FM Mini Review: Useful for its 5% categories, but you can do better for all other spend.


Card Type: Visa Signature

Base
Travel
Dine
Gas
Grocery
Shop
Phone
Other

Earning rate: Each quarter, choose two 5% cash back categories (capped at $2K spend per quarter combined) and one 2% category (uncapped). 1% cash back everywhere else. 5% Categories: Home Utilities ⚬ Ground Transportation ⚬ Select Clothing Stores ⚬ Cell Phone Providers ⚬ Electronic Stores ⚬ TV, Internet & Streaming Services ⚬ Gyms/Fitness Centers ⚬ Fast Food ⚬ Sporting Goods Stores ⚬ Department Stores ⚬ Furniture Stores ⚬ Movie Theaters. 2% Categories: Gas Stations ⚬ Restaurants ⚬ Grocery Stores

Capital One® SavorOne℠ Cash Rewards Credit Card
$150 Cash Back
One time bonus: $150 after $500 spend in 3 months from account opening

$0 Annual Fee

FM Mini Review: The combination of 3% cash back on dining and no foreign transaction fees would be attractive for a no annual fee card, but the Barclaycard Uber card eclipses this one by offering 4% cash back for dining.


Card Type: Mastercard

Base
1%
Dine
3%
Grocery
2%

Earning rate: ⚬ 3% on dining ⚬ 2% on purchases at grocery stores ⚬ 1% everywhere else

Noteworthy perks: No foreign transaction fees

Bank of America Cash Rewards
$150 Cash Back
$150 after $500 spend in 90 days

$0 Annual Fee

Recent better offer: $200 back after $500 spend in 90 days [Expired 1/19]


Card Type: Mastercard World

Base
1%
Travel
3%
Dine
3%
Gas
3%
Grocery
2%
Shop
3%
Other
3%

Earning rate: 3% back on your choice of the following: gas, online shopping, dining, travel, drugstores, home improvement & furnings (can choose a new category monthly). ⚬ 2% back at grocery stores & wholesale clubs ⚬ 1% back everywhere else. 2% and 3% rewards are capped at $2500 in combined purchases per quarter

Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers

LATAM Visa Signature issued by US Bank

Card Type: Visa Signature

Base
Brand

Earning rate: 2X on spending with LAN & TAM

Noteworthy perks: ⚬ 4,000 Bonus Miles (6,437 kms) every year at renewal ⚬ 25% flight bonus when flying on LAN ⚬ 3 upgrade coupons each year on LAN ⚬ 20% off (up to $1,000) your first LATAM Airlines purchase one time per year

Blue Delta SkyMiles® Credit Card from American Express
10K miles
10K miles after $500 spend in the first 3 months. Terms apply.

$0 Annual Fee

FM Mini Review: This card offers an OK welcome offer for a no-fee card, but many/most other cards offer better return for spend.


Card Type: Amex Credit Card

Base
Dine
Brand

Earning rate: 2X US restaurants ⚬ 2X Delta ⚬ 1X everywhere else

Noteworthy perks: 20% statement credit on in-flight purchases of food, beverages, and headsets Terms and limitations apply. (Rates & Fees)

Discover it® for Students
$50 + First Year Double + $20/year
Get $50 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories. Plus, get $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.

$0 Annual Fee

FM Mini Review: In my opinion this is the single best "starter card" for students. It offers great rewards and no annual fee.


Card Type: Discover

Base
Grocery

Earning rate: 5X in rotating categories, up to $1500 spend per quarter. 2019 Q1 = Grocery Stores.

Noteworthy perks: Discover Cash Back is worth more than face value when redeemed for partner gift cards

Virgin Atlantic White Card

Card Type: Mastercard World Elite

Base
Brand

Earning rate: ⚬ 3X Virgin Atlantic ⚬ 1X elsewhere

Big spend bonus: 2,500 bonus points with $5K cardmember year spend + an additional 5,000 points with $15K cardmember year spend;

Wyndham Rewards Visa issued by Barclays (no annual fee)
15K points
15K after first purchase

$0 Annual Fee


Card Type: Visa Signature or Platinum

Base
Gas
Grocery
Brand

Earning rate: ⚬ 3X Wyndham ⚬ 2X gas, utility & grocery ⚬ 1X everywhere else

Noteworthy perks: Gold status

AARP Credit Card from Chase

Card Type: Visa Signature or Platinum

Base
1%
Dine
3%
Gas
3%

Earning rate: 3% restaurants and gas stations.

Uber Visa Card

FM Mini Review: A good choice both for its signup bonus and bonus categories (4% for restaurants is particularly good).


Card Type: Visa Platinum or Signature

Base
1%
Travel
3%
Dine
4%
Shop
2%

Earning rate: ⚬ 4% eateries ⚬ 3% travel ⚬ 2% online purchases (including online purchases made with third party payment methods like PayPal, Venmo, Apple Pay, Android Pay, and Samsung Pay) ⚬ 1% everywhere else

Noteworthy perks: ⚬ Annual $50 subscription credit when you spend $5,000 in a year (good for things like Netflix, HBO NOW, Amazon Prime, etc) — note that this benefit kicks in during the second year if you spend $5K in year 1) ⚬ Up to $600 mobile phone insurance against theft or damage when you charge your total monthly bill to the card ($25 deductible) ⚬ No foreign transaction fees

Business Green Rewards Card from American Express
5K points
5K points after first purchase

No Annual Fee First Year, Then $95


Card Type: Amex Charge Card

Base
Travel

Earning rate: ⚬ 2X at AmexTravel.com ⚬ 1X points on other purchases. Terms apply. (Rates & Fees)

Noteworthy perks: None

Discover it®
$75 + First Year Double
Get $75 after first Amazon purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories.

$0 Annual Fee

FM Mini Review: This is a great choice for its rotating 5% categories


Card Type: Discover

Base
Gas
Other

Earning rate: 5X in rotating categories, up to $1500 spend per quarter. 2019 Q2 = Gas stations, Uber, Lyft

Noteworthy perks: Discover Cash Back is worth more than face value when redeemed for partner gift cards

Asiana Airlines Visa Business Card

Card Type: Visa

Base
Brand

Earning rate: 2X Asiana

Noteworthy perks: 2 X $100 credits annually on U.S. departure Asiana operated flights.

Discover it Miles - Double Miles your first year
$50 + First Year Double
Get $50 after first purchase. All miles earned in first 12 months will be doubled. This makes this a 3% cash back card for the first year.

$0 Annual Fee

FM Mini Review: Great card to get for its first year 3% cash back.


Card Type: Discover

Base
1.5X
(1.5%)

Earning rate: 1.5 miles per dollar for all spend.

Noteworthy perks: ⚬ No foreign transaction fees ⚬ Redeem miles for travel or for cash back (1 cent per mile either way)

See also: Discover introduces a new card and a potentially VERY lucrative 1st year offer

Citi Rewards+ Student Card
2.5K points
2.5K after $500 spend in 3 months

$0 Annual Fee

FM Mini Review: 10% points rebate (up to 10K rebate per year) make this a great choice to pool with ThankYou Premier and/or Prestige


Card Type: Mastercard World

Base
Gas
Grocery

Earning rate: 2X at supermarkets and gas stations on up to $6,000 per year ⚬ Round up to nearest 10 TY points on all purchases

Noteworthy perks: Round up to the nearest 10 points on all purchases with no cap. ⚬ get 10% of your points back on the first 100K redeemed each year

See also: Citi ThankYou Rewards Complete Guide

Marvel MasterCard from Synchrony

FM Mini Review: Good option if used only in 3% categories (e.g. dining and entertainment)


Card Type: Mastercard

Base
1%
Brand
3%
Other
3%

Earning rate: ⚬ 3% cash back for dining, select entertainment, and Marvel purchases
(Select entertainment = Movie Theatres, Video Rental and Game Stores, Theatrical and Concert Promoters, Amusement Parks, Digital Entertainment, Games and Software, Music, Books and Newsstands, Toys and Hobby Stores)

Noteworthy perks: 10% off and other discounts at Marvel.com

Ebates Cash Back Visa issued by Synchrony Bank

Card Type: Visa

Base
1%
Brand
3%

Earning rate: 3% cash back on qualified purchases made through the Ebates portal ⚬ 1% cash back everywhere else.

Costco Anywhere Visa

Card Type: Visa Signature

Base
1%
Travel
3%
Dine
3%
Gas
4%

Earning rate: ⚬ 4% gas (up to $7K spend / year) ⚬ 3% restaurant & travel; 2% Costco ⚬ 1% everywhere else

Citi Double Cash Card

Recent better offer: None

FM Mini Review: For those who prefer cash back, it's hard to beat 2% cash back and no annual fee. Use a different card when traveling internationally due to this card's foreign exchange fee.


Card Type: Mastercard World Elite

Noteworthy perks: 1% cash back when you make a purchase + 1% cash back when you pay for those purchases

Ducks Unlimited Visa from First Bankcard

Currently there is no signup bonus for this card, but the bonus categories might make it attractive nonetheless.

$0 Annual Fee

FM Mini Review: Regular 5% categories with no annual fee can be great for those who spend a lot in those categories, but bear in mind that cash back can only be redeemed in $25, $50, $100, and $250 increments.


Card Type: Visa Signature or Platinum

Base
1%
Gas
5%
Other
5%

Earning rate: 5% back at gas stations & sporting goods stores

The Blue Business℠ Plus Credit Card
2X Everywhere
2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms apply.

$0 Annual Fee

See Rates & Fees

Recent better offer: 20K after $3K spend in 3 months (Expired 6/21/17)
10K points after $3K in purchases in the first 3 months (Expired 9/26/18)

FM Mini Review: No other transferable points card offers 2X rewards for ALL spend. With no annual fee, this card is a winner. Big time.


Card Type: Amex Credit Card

Base

Earning rate: 2X Membership Rewards points on all purchases, up to $50K spend per calendar year (then 1X thereafter). Terms apply. (Rates & Fees)

Noteworthy perks: 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 15.49%, 18.49% or 21.49%, based on your creditworthiness and other factors as determined at the time of account opening

See also: The new king of everyday spend

Discover it Business - Double cash back your first year
First Year Double
All cash back earned in first 12 months will be doubled. This makes this a 3% cash back card for the first year.

$0 Annual Fee

FM Mini Review: Great card to get for its first year 3% cash back.


Card Type: Discover

Base
1.5X
(1.5%)

Earning rate: 1.5% cash back for all spend.

Noteworthy perks: ⚬ No foreign transaction fees ⚬ Redeem cash back in any amount

See also: New Discover Business card: effective 3% back first year

Huntington Voice

FM Mini Review: With most of this card's category bonuses, you can do better with other cards. If you do find a useful category and max out the $2K spend each quarter, you'll come out only $80 ahead per year compared to using a 2% cash back card.


Card Type: Mastercard

Base
Travel
Dine
Gas
Grocery
Shop
Office
Biz
Other

Earning rate: 3% cash back on up to $2K in spend in the category you choose each quarter: gas stations, travel & entertainment, restaurants, discount & warehouse stores, grocery stores, utilities & office supply stores, electronics and computer and camera stores, department and apparel and sporting good stores, auto parts & service, and home improvement stores

AAdvantage® AviatorTM Silver World Elite MasterCard®

FM Mini Review: $25 per day of in-flight food & beverage credits is pretty interesting. If you fly AA enough to make good use of this, this card is well worthwhile.


Card Type: Mastercard World Elite

Base
Travel
Brand

Earning rate: ⚬ 3X AA ⚬ 2X hotel and car rentals ⚬ 1X everywhere else

Big spend bonus: Earn $99 + tax domestic certificate for up to 2 companions with $20K membership year spend ($30K spend required until May 2019) ⚬ Earn 3000 EQDs towards elite status with $50K calendar year spend.

Noteworthy perks: $25 per day in-flight food & beverage credit ⚬ First checked bag free ⚬ Priority Boarding ⚬ Reduced mileage awards ⚬ $100 Global Entry application fee credit ⚬ 25% off in-flight purchases Starting May 2019: $50 wifi credit per membership year ⚬ light cents: round up purchases to earn more miles

Best Offers that require $1,000 Spend

First 5 offers are shown. Press “Next” to see more.

Card Offer and Details
AAdvantage® AviatorTM Business MasterCard®
Up to 75K miles
Up to 75K miles: 65k miles after $1K in purchases within 90 days and 10K miles when a purchase is made on an employee card that is added to the account at the time of application or within 30 days of the account open date

$95 Annual Fee


Card Type: Mastercard

Base
Travel
Phone
Office

Earning rate: ⚬ 2X AA, office supply, telecommunications services, and at car rental agencies ⚬ 1X everywhere else

Big spend bonus: $99 companion certificate with $30K account year spend; $3K elite qualifying dollars (EQDs) with $25K calendar year spend

Noteworthy perks: ⚬ First checked bag free ⚬ Preferred boarding ⚬ 5% bonus on miles earned the previous year after AF is paid ⚬ Reduced mileage awards ⚬ 25% statement credit on in-flight purchases

JetBlue Business Card
Up to 60K miles
Up to 60K: 50K after $1K spend in 90 days and earn 10K after a purchase is made on an employee card

$99 Annual Fee

FM Mini Review: This card is almost identical to the JetBlue Plus card except that this one earns 2X at office supply stores rather than grocery stores. Both cards are great choices for JetBlue flyers.


Card Type: Mastercard

Base
Dine
Office
Brand

Earning rate: ⚬ 2X restaurants and office supply stores ⚬ 6X JetBlue ⚬ 1X everywhere else

Big spend bonus: Earn Mosaic elite status with $50,000 calendar year spend. Mosaic status good for rest of calendar year and all of next year.

Noteworthy perks: ⚬ Free checked bag ⚬ 5000 bonus points every anniversary ⚬ 10% point rebate on awards ⚬ $100 statement credit w/ purchase of travel package ⚬ 50% savings on in-flight purchases

See also: Barclaycard JetBlue offers are live and worth a look

Barclays JetBlue Plus Mastercard

FM Mini Review: Frequent JetBlue travelers should seriously consider this card for its terrific perks. The combination of the 10% rebate on awards and the annual 5,000 point bonus make this card a keeper.


Card Type: Mastercard World Elite

Base
Dine
Grocery
Brand

Earning rate: ⚬ 2X restaurants and grocery ⚬ 6X JetBlue ⚬ 1X everywhere else

Big spend bonus: Earn Mosaic elite status with $50,000 calendar year spend. Mosaic status good for rest of calendar year and all of next year.

Noteworthy perks: ⚬ Free checked bag ⚬ 5000 bonus points every anniversary ⚬ 10% point rebate on awards ⚬ $100 statement credit w/ purchase of travel package ⚬ 50% savings on in-flight purchases

See also: Barclaycard JetBlue offers are live and worth a look

BOA Amtrak Guest Rewards World Mastercard

Card Type: Mastercard World

Base
Travel
Brand

Earning rate: ⚬ 3X Amtrak ⚬ 2X qualifying travel ⚬ 1X elsewhere

Big spend bonus: Earn 1,000 Tier Qualifying Points towards elite status for each $5K spent in a calendar year. Limit 4,000 TQPs per year. Ability to transfer up to 25,000 points to hotel partners after $20K calendar year spend.

Noteworthy perks: ⚬ 5% Amtrak Guest Rewards point rebate on redemptions ⚬ Complimentary companion coupon ⚬ One-Class Upgrade and a single-day ClubAcela pass each year.

See also: Amtrak Guest Rewards credit card review

Hilton Honors American Express Card
100K points
100K after $1K spend in 3 months

$0 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: You may see a better offer that includes a $100 statement credit during the booking process at Hilton.com.

FM Mini Review: This card isn't particularly rewarding, but it's good to keep primarily for targeted Amex upgrade offers to the Ascend card.


Card Type: Amex Credit Card

Base
Dine
Gas
Grocery
Brand

Earning rate: ⚬ 7X Hilton spend ⚬ 5X US restaurants, US Supermarkets, and US gas stations ⚬ 3X everywhere else

Big spend bonus: Gold elite status with $20K calendar year spend

Noteworthy perks: ⚬ Free Silver status; Gold status with $20K spend. ⚬ Terms Apply. See Rates & Fees

See also: Hilton Amex Cards. Everything you need to know.

Chase Southwest Airlines Rapid Rewards® Plus Card
40K points
40K points after $1K spend in the first 3 months

$69 Annual Fee

This card is known to be subject to Chase's 5/24 rule.

Recent better offer: 60K after $2K spend (expired 6/10/19)

FM Mini Review: Great for signup bonus, but consider cancelling after first year.


Card Type: Visa Signature or Platinum

Base
Travel
Brand

Earning rate: 2X at at participating Rapid Rewards® hotel and rental car partners ⚬ 2X Southwest

Big spend bonus: If you earn 110,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year

Noteworthy perks: 3000 bonus points each year upon card renewal.

Sonesta World Mastercard
65K points
60K points after $1K spend in 90 days plus 5K points for adding an authorized user

No Annual Fee First Year, Then $75

FM Mini Review: Best for those who stay often at Sonesta hotels


Card Type: Mastercard World

Base
Travel
Brand

Earning rate: 2X airfare, car rental and dining ⚬ 3X Sonesta

Big spend bonus: 30K bonus points with $7.5K cardmember year spend

Noteworthy perks: Instant upgrade to Sonesta Travel Pass Elite (free club access or continental breakfast plus other perks)

Chase Southwest Airlines Rapid Rewards Priority Credit Card
40K points
40K points after $1K spend in the first 3 months

$149 Annual Fee

This card is known to be subject to Chase's 5/24 rule.

Recent better offer: 60K after $2K spend (expired 6/10/19)

FM Mini Review: Great for frequent Southwest flyers.


Card Type: Visa Signature or Platinum

Base
Travel
Brand

Earning rate: 2X at at participating Rapid Rewards® hotel and rental car partners ⚬ 2X Southwest

Big spend bonus: If you earn 110,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year ⚬ Earn 1,500 TQPs for each $10K in purchases up to $100K

Noteworthy perks: ⚬ 7,500 anniversary points each year ⚬ $75 Southwest annual travel credit ⚬ Four A1-15 boardings every year ⚬ 20% back on in-flight drinks, Wi-Fi, messaging, and movies

Chase Southwest Airlines Rapid Rewards Premier Credit Card
40K points
40K points after $1K spend in the first 3 months

$99 Annual Fee

This card is known to be subject to Chase's 5/24 rule.

Recent better offer: 60K after $2K spend (expired 6/10/19)

FM Mini Review: Great for signup bonus, but consider cancelling after first year.


Card Type: Visa Signature or Platinum

Base
Travel
Brand

Earning rate: 2X at at participating Rapid Rewards® hotel and rental car partners ⚬ 2X Southwest

Big spend bonus: If you earn 110,000 points in one calendar year, you'll get a companion pass good for the rest of that calendar year and all of the next year

Noteworthy perks: 6000 bonus points each year upon card renewal.

The Hawaiian Airlines® Business MasterCard® issued by Barclays
Up to 70K miles
60K after $1K in the first 90 days + 10K after a purchase is made on an employee card

$99 Annual Fee


Card Type: Mastercard World Elite

Base
Dine
Gas
Office
Brand

Earning rate: 3X Hawaiian Airlines ⚬ 2x gas, dining, and office supply stores ⚬ 1x everywhere else

Big spend bonus: Earn up to 40,000 annual bonus miles — 20k miles with $50-$99k annual spend or 40k miles with $100k or more annual spend;

Noteworthy perks: One-time 50% off a companion discount on roundtrip coach travel between Hawaii and North America on Hawaiian Airlines

BOA Alaska Airlines Visa Signature

FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears


Card Type: Visa Signature

Base
Brand

Earning rate: ⚬ 3X Alaska Airlines ⚬ 1X elsewhere

Noteworthy perks: ⚬ $121 companion pass every year ⚬ Free first checked bag for you and up to six other passengers on your reservation

See also: Alaska Airlines Companion Fare Complete Guide

Virgin Atlantic World Elite Mastercard
35K miles
30K after $1K spend in first 90 days + 5K for adding 2 authorized users

$90 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: 75K: 20K after first purchase + 50K after $12K in 6 months + 5K for adding 2 authorized users


Card Type: Mastercard World Elite

Base

Earning rate: 1.5X everywhere

Big spend bonus: Companion award ticket with $25K annual spend; 7,500 bonus points with $15K cardmember year spend + an additional 7,500 points with $25K cardmember year spend; Also: 25 tier point towards elite status per $2,500 spend (max 50 tier points per month).

See also: An analysis of the Virgin Atlantic 90K offer

TD Aeroplan™ Visa® Credit Card

Card Type: Visa Signature

Base
Brand

Earning rate: 2X Aeroplan miles per dollar spent on Air Canada purchases

BOA Amtrak Guest Rewards Platinum Mastercard

Card Type: Mastercard Platinum

Base
Brand

Earning rate: ⚬ 2X Amtrak ⚬ 1X elsewhere

Noteworthy perks: ⚬ 5% Amtrak Guest Rewards point rebate on redemptions.

See also: Amtrak Guest Rewards credit card review

Citi Rewards+ Card

FM Mini Review: 10% points rebate (up to 10K rebate per year) make this a great choice to pool with ThankYou Premier and/or Prestige


Card Type: Mastercard World

Base
Gas
Grocery

Earning rate: 2X at supermarkets and gas stations on up to $6,000 per year ⚬ Round up to nearest 10 TY points on all purchases

Noteworthy perks: Round up to the nearest 10 points on all purchases with no cap. ⚬ get 10% of your points back on the first 100K redeemed each year

See also: Citi ThankYou Rewards Complete Guide

Choice Privileges® Visa Signature® Card issued by Barclays
32K points
32K after $1K spend in 90 days

$0 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: 64K points: 32K after $1K spend in 90 days + 32K after an additional $2K spend within the first 180 days


Card Type: Visa Signature

Base
Brand

Earning rate: ⚬ 5X at Choice Hotels and on purchases of Choice Hotels points or gift cards ⚬ 2X everywhere else

Big spend bonus: Earn 8,000 annual bonus points after $10,000 in annual spend

Noteworthy perks: Automatic Gold status

Bank of America Travel Rewards
25K points worth $250
25K after $1K spend in 90 days

$0 Annual Fee


Card Type: Visa Signature

Base
1.5X
(1.5%)
Travel

Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center

Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers

See also: Up to 2.625% back for timeshares, fortune tellers and more

BOA Business Advantage Travel Rewards World Mastercard
25K points
25K after $1K spend in 60 days

$0 Annual Fee


Card Type: Mastercard World

Base
1.5X
(1.5%)
Travel

Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center

Noteworthy perks: When you're a Business Advantage Relationship Rewards client, you can get up to 75% rewards bonus on every purchase you make. Your rewards bonus is based on your enrolled tier – Gold 25%; Platinum 50%; or Platinum Honors 75%

Air France KLM World Elite Mastercard

Card Type: Mastercard World Elite

Base
Brand

Earning rate: 3X on Air France, KLM, and SkyTeam purchases ⚬ 1.5X everywhere else

Big spend bonus: 5K after anniversary when you spend $50 or more the previous year ⚬ 40XP points towards status after anniversaru when you spend $15K or more the previous year

The Amex EveryDay® Credit Card from American Express

FM Mini Review: Great choice for keeping Membership Rewards points alive if you choose to cancel other Membership Rewards earning cards.


Card Type: Amex Credit Card

Base
Grocery

Earning rate: ⚬ 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x) ⚬ 1x on other purchases

Noteworthy perks: ⚬ Make 20 or more purchases in a billing period and get 20% more points, less returns and credits ⚬ Points transferrable to many airline programs (unusual feature for no-fee card) ⚬ Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99% ⚬ $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening. Terms apply. See Rates & Fees

American Express® Green Card

FM Mini Review: This card might make sense if you are targeted for a welcome bonus, but is not otherwise very rewarding for spend.


Card Type: Amex Charge Card

Base
Travel

Earning rate: ⚬ 2X at AmexTravel.com ⚬ 1X points on other purchases. Terms apply. See Rates & Fees

Noteworthy perks: None

The Amex EveryDay® Preferred Credit Card from American Express
20K points
20K after $1K spend in 3 months

$95 Annual Fee

FM Mini Review: Thanks to the 50% bonus on points earned, this is, in my opinion, one of the strongest mile-earning cards available.


Card Type: Amex Credit Card

Base
Gas
Grocery

Earning rate: ⚬ 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x) ⚬ 2x points at US gas stations ⚬ 1x points on other purchases.

Noteworthy perks: Earn 50% more points: Use your Card 30 or more times on purchases in a billing period and get 50% more points on those purchases less returns and credits. Terms apply. See Rates & Fees

Capital One® VentureOne® Rewards Credit Card
20K "miles"
One time bonus: 20K after $1K spend in 3 months from account opening

$0 Annual Fee

FM Mini Review: Many no-fee cards offer better rewards, so there's no point in using this card after collecting the welcome offer.


Card Type: Visa Signature or Platinum

Base
1.25X
(1.31%)

Earning rate: 1.25X everywhere

Noteworthy perks: Earn 10x miles on hotels through January 2020; learn more at hotels.com/venture ⚬ Redeem miles for travel at value of 1 cent per mile ⚬ Convert "miles" to airline miles at a (mostly) 2 to 1.5 ratio ⚬ No foreign transaction fees

American Express Cash Magnet® Card

Card Type: Amex Credit Card

Base
1.5%

Earning rate: 1.5% everywhere

Noteworthy perks: 0% Intro APR for 15 months on purchases and balance transfers, then a variable rate, currently 15.24%-26.24% See rates & fees.

Blue Cash Preferred® Card from American Express
$300 Cash Back
$300 cash back after $1K in the first 3 months

$95 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: Up to $350: 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back. Plus, earn $150 back after $1K spend in 3 months. (Expired 5/3/17)

FM Mini Review: Solid cash back option, especially for those who spend a lot at US Supermarkets and US gas stations


Card Type: Amex Credit Card

Base
1%
Travel
3%
Gas
3%
Grocery
6%
Shop
3%
Other
6%

Earning rate: ⚬ 6% cash back at US supermarkets up to $6,000 per year in purchases (then 1%) ⚬ 6% Cash Back on select U.S. streaming subscriptions. ⚬ 3% Cash Back on transit (includes taxis/rideshare, parking, tolls, trains, buses and more). 3% cash back US gas stations ⚬ 1% cash back on other purchases ⚬ Terms apply.

Noteworthy perks: Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.

JetBlue Card

FM Mini Review: Not bad for a fee-free airline card.


Card Type: Mastercard World

Base
Dine
Grocery
Brand

Earning rate: ⚬ 2X restaurants and grocery ⚬ 3X JetBlue ⚬ 1X everywhere else⚬

Noteworthy perks: 50% savings on eligible inflight purchases including cocktails, food and movies.

See also: Barclaycard JetBlue offers are live and worth a look

The Morgan Stanley Credit Card from American Express

FM Mini Review: Decent no-fee card thanks to its 2X category bonuses, but you do need to have a Morgan Stanley account to apply.


Card Type: Amex Charge Card

Base
Travel
Dine
Shop

Earning rate: ⚬ 2X U.S. Restaurants ⚬ 2X select U.S. Department Stores ⚬ 2X Car Rentals Purchased Directly from Select Car Rental Companies ⚬ 2X Airfare Purchased Directly from Airlines

Big spend bonus: $100 after $25K card membership year spend

Noteworthy perks: Invest with rewards (1 point = 1 cent)

Blue Cash Everyday® Card from American Express
$200 Cash Back
$200 cash back after $1K in the first 3 months

$0 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: $250 after $1K spend targeted (last reported 10/2015)

Up to $300: 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back. Plus, earn $100 back after $1K spend in 3 months. (Expired 5/3/17)


Card Type: Amex Credit Card

Base
1%
Gas
2%
Grocery
3%
Shop
2%

Earning rate: ⚬ 3% cash back at US supermarkets up to $6,000 per year in purchases (then 1%) ⚬ 2% cash back at US gas stations and select US department stores ⚬ 1% cash back on other purchases ⚬ Terms apply.

Noteworthy perks: Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.

AT&T Access Card

FM Mini Review: Good choice for those who shop often online (thanks to 2X earnings). Or, better yet, start with this card and then product change to the AT&T Access More card.


Card Type: Mastercard World

Base
Travel
Shop
Brand

Earning rate: ⚬ 2 points per $1 on products and services that are purchased directly from AT&T ⚬ 2 points per $1 on all purchases at online retail and travel sites ⚬ 1 point per $1 on all other purchases

See also: Citi ThankYou Rewards Complete Guide

Fidelity Rewards Visa
$100 Cash Back
$100 after $1K spend in 3 months.

$0 Annual Fee


Card Type: Visa Signature

Base
2%

Earning rate: 2X everywhere

Noteworthy perks: 2% cash back on all purchases

About Greg The Frequent Miler

Greg is the owner, founder, and primary author of the Frequent Miler. He earns millions of points and miles each year, mostly without flying, and dedicates this blog to teaching others how to do the same.

More articles by Greg The Frequent Miler »

Regarding comments: Comments posted at the bottom of Frequent Miler pages and posts are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

2
Leave a Reply

avatar
2 Comment threads
0 Thread replies
1 Followers
 
Most reacted comment
Hottest comment thread
1 Comment authors
Sam Recent comment authors

This site uses Akismet to reduce spam. Learn how your comment data is processed.

  Subscribe  
Notify of
Sam
Guest
Sam

Just applied for Arrival plus and Amex Platinum. That’s 10k of spend to be met within 3 months.

With Amex, I will probably pay my rent, still very steep. With Arrival+, I may have to resort to Simon, but not sure if that’s feasible for me. I can see other options in the links but not practical for me.

trackback

[…] Best Low Spend Offers […]