Best Credit Cards With Low Minimum Spending Requirements

Did you know that you can get all of the rewards of a high-end credit card without having to break the bank? 

Many well-known credit cards promote generous rewards for new cardholders who sign up but often require customers to meet a steep spending threshold in a short time. Not everyone wants to drop thousands of dollars for cash back points or even use their card that frequently. 

Luckily, several credit cards on the market can give you similar perks without forcing you to spend big. Money Under 30 gives you the best credit cards with the lowest minimum spending requirements.

Discover it Cash Back

This credit card is one of the most popular cards available right now, and it also offers a special welcome offer. Rather than giving you, say, a few thousand points after spending so much in a certain period, Discover matches the cash back you accumulate throughout the first year you have the card — with no limitations on how much you use it.

Not only that, but you can also earn 5% cash back on up to $1,500 spent on different categories each quarter. Typically, these include dining, supermarkets, gas stations, and popular retailers. Additionally, you can get unlimited 1% cash back on all other purchases.

Plus, there’s no annual fee, no extra charges for using it abroad, and minimal balance transfer fees. 

Capital One Quicksilver Cash Rewards

This credit card gives you the chance to earn $150 in cold hard cash when you spend just $500 in the first three months you get the card (that’s only $167 each month!). While it’s not the biggest bonus on the market, it’s a good reward for the money you’re spending anyway.

After that, you can get 1.5% cash back on all purchases, with no limit on what you can earn. The Capital One Quicksilver Cash Rewards credit card comes with no annual fee and no foreign transaction charges.

Discover it Miles

This credit card is an option for those who want the Discover it Cash Back card’s sign-up rewards but don’t want to bother with bonus categories. The Discover it Miles matches every mile you accumulate within the first year you open your account, plus 1.5% miles on every dollar. That comes to three miles on every dollar, making it one of the best overall travel credit cards. And like its counterpart, the Discover it Miles card has no foreign transaction fee — though the downside is that not every international merchant accepts Discover cards.

JetBlue Plus Card

Branded credit cards, especially ones for airlines, frequently come with steep thresholds on spending. But with the JetBlue Plus Card, you can get 30,000 points when you spend $1,000 within the first three months of opening your account. According to Money Under 30, TrueBlue points are valued around 1.3 and 1.4 cents. So you could see about $390 to $420 for your introductory reward. 

Also, you can earn six points for every dollar you spend when purchasing from JetBlue, plus two points on the dollar at your favorite restaurants and supermarkets, and one point per dollar on all other purchases. And those are just a few of the perks this credit card gives you.

The JetBlue Plus Card’s biggest drawback is the $99 annual fee. So if you think the rewards outweigh the cost, then this card might be right for you.

Things To Think About Before Getting A Credit Card

Money Under 30 ranked these cards because they have a fair minimum spending requirement compared to the benefits you earn. While this type of card is perfect for anyone, there are two things to consider before getting one. 

The first is your likelihood of approval. Many of the cards on this list are available for those with good to excellent credit scores. If you have a limited credit history or your score could be in better shape, you might want to reconsider applying for a secured credit card. 

The other factor to think about is the right card for your needs. What kind of shopper are you? Are you a loyal Amazon customer? Does your biggest expense come from gas or groceries? If you want something versatile, opt for a cash-back credit card like the Discover it Cash Back. But if you want rewards, you should look at cards with bonus categories.

Selecting the best credit card for your situation is easier when you understand your credit score. This way, you can refine your search and focus on the cards that give you a higher chance of approval — saving you time and stopping your credit score from falling.


  • Luthi, Ben. “Best Low Minimum Spend Credit Cards – A Better Bang For Your Buck.” Money Under 30, 9 Sept. 2020,