Best Low Minimum Spend Credit Cards

Credit cards with spend requirements of $2,000 or less. The easiest bonuses to earn — perfect for beginners or anyone who doesn't want to force spending.

16
Cards
$1,031
Avg. Spend Required
$5,815
Total Bonus Value
Barclays

AAdvantage Aviator Red

60,000 miles
~$720 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$1 in 3 months
Annual Fee$99
Base Rewards1x on all purchases
2x American Airlines
Monthly spend needed$1
Estimated first-year value$621 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Existing card-specific editorial estimate; review required. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Chase

Chase Freedom Unlimited

$200
~$200 value
Offer confirmed 2026-09-16
Spend Required$500 in 3 months
Annual Fee$0
Base Rewards1.5% on all purchases
3% dining3% drugstores5% travel via Chase portal
Monthly spend needed$167
Estimated first-year value$200
Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-09-16.

Offer source

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Capital One

Capital One SavorOne

$200
~$200 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$500 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
3% dining3% entertainment3% streaming+2 more
Monthly spend needed$167
Estimated first-year value$200 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Chase

Chase Freedom Flex

$200
~$200 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$500 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
5% rotating categories (quarterly)3% dining3% drugstores
Monthly spend needed$167
Estimated first-year value$200 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Details
Capital One

Capital One Quicksilver

$200
~$200 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$500 in 3 months
Annual Fee$0
Base Rewards1.5% on all purchases
Monthly spend needed$167
Estimated first-year value$200 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Details
Wells Fargo

Wells Fargo Autograph Card

60,000 points
~$900 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1x on all purchases
3x restaurants3x travel3x gas+2 more
Monthly spend needed$334
Estimated first-year value$900 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Existing card-specific editorial estimate; review required. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Details
Bank of America

Bank of America Unlimited Cash Rewards

$200
~$200 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1.5% on all purchases
Monthly spend needed$334
Estimated first-year value$200 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

Explore valuation scenarios

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Details
Bank of America

Bank of America Customized Cash Rewards

$200
~$200 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
3% on category of choice2% grocery/wholesale
Monthly spend needed$334
Estimated first-year value$200 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

Explore valuation scenarios

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Details
Barclays

JetBlue Plus Card

75,000 points
~$1,125 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$1,000 in 3 months
Annual Fee$99
Base Rewards1x on all purchases
6x JetBlue2x restaurants2x groceries
Monthly spend needed$334
Estimated first-year value$1,026 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Existing card-specific editorial estimate; review required. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Details
Chase

Marriott Bonvoy Bold

100,000 points
~$500 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1x on all purchases
3x Marriott2x groceries2x rideshare/food delivery+1 more
Monthly spend needed$334
Estimated first-year value$500 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.5¢ per point: Airline transfer (3:1) (editorial estimate, 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Details
US Bank

US Bank Altitude Connect

20,000 points
~$300 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1x on all purchases
5x hotels/car rentals via Travel Center4x travel and gas/EV charging (up to $1k/quarter)2x dining+2 more
Monthly spend needed$334
Estimated first-year value$300 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Existing card-specific editorial estimate; review required. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Details
Citi

Citi Custom Cash Card

20,000 points
~$100 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$1,500 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
5% on top spending category (up to $500/month)
Monthly spend needed$500
Estimated first-year value$100 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.5¢ per point: Statement credit (editorial estimate, 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Details
Citi

Citi Double Cash Card

$200
~$200 value
Offer confirmed 2026-09-16
Spend Required$1,500 in 6 months
Annual Fee$0
Base Rewards2% on all purchases (1% when you buy, 1% when you pay)
Monthly spend needed$250
Estimated first-year value$200
Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-09-16.

Offer source

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Details
Wells Fargo

Wells Fargo Active Cash Card

$200
~$200 value
Offer confirmed 2026-09-16
Spend Required$1,500 in 6 months
Annual Fee$0
Base Rewards2% on all purchases
Monthly spend needed$250
Estimated first-year value$200
Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-09-16.

Offer source

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Details
American Express

Blue Cash Everyday Card

$250
~$250 value
Offer confirmed 2026-09-16
Spend Required$2,000 in 6 months
Annual Fee$0
Base Rewards1% on all purchases
3% groceries (up to $6k/yr)3% gas3% online retail
Monthly spend needed$334
Estimated first-year value$250
Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-09-16.

Offer source

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Details
American Express

Hilton Honors Card

80,000 points
~$320 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$2,000 in 6 months
Annual Fee$0
Base Rewards3x on all purchases
7x Hilton5x restaurants5x groceries+1 more
Monthly spend needed$334
Estimated first-year value$320 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.4¢ per point: Standard hotel redemption (editorial estimate, 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Details

Tips for Low Minimum Spend Cards

Low minimum spend cards are the easiest entry point into credit card churning. With requirements of $500-$2,000, most people can meet the spend target through normal everyday purchases without changing their spending habits.

These cards are especially valuable for beginners learning the process. Start here, collect your first bonus, and graduate to higher-spend cards as you get comfortable. See our beginner churning guide and minimum spend strategies for more.

Frequently Asked Questions

What is a low minimum spend credit card?

A low minimum spend card requires $2,000 or less in purchases within the first 3 months to earn the sign-up bonus. These cards are ideal for beginners or anyone who doesn't want to rush large purchases to hit a spending target.

Are low minimum spend bonuses worth less?

Not always. Some no-annual-fee cards with $500-$1,000 spend requirements still offer bonuses worth $150-$300. The value-per-dollar-spent is often higher on low-spend cards than on premium cards with $6,000+ requirements.

Can I apply for multiple low-spend cards at once?

Yes, but space your applications 2-3 months apart to minimize credit score impact. Also remember that Chase's 5/24 rule counts all new personal cards across all issuers, so plan your application order carefully.