{"id":166997,"date":"2025-05-07T18:00:35","date_gmt":"2025-05-07T18:00:35","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/05\/07\/how-to-meet-the-spending-requirements-for-a-welcome-bonus-the-points-guy\/"},"modified":"2025-05-07T18:00:35","modified_gmt":"2025-05-07T18:00:35","slug":"how-to-meet-the-spending-requirements-for-a-welcome-bonus-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/05\/07\/how-to-meet-the-spending-requirements-for-a-welcome-bonus-the-points-guy\/","title":{"rendered":"How to meet the spending requirements for a welcome bonus &#8211; The Points Guy"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p>Many <a href=\"https:\/\/thepointsguy.com\/credit-cards\/travel\/\" rel=\"noopener noreferrer\" target=\"_blank\">travel credit cards<\/a> feature excellent welcome bonuses for new cardholders. However, you generally need to spend a particular amount on your new card within a specific time period to earn the bonus. The amount of spending required may be more than you would typically spend on credit cards.<\/p>\n<p>As such, we frequently get the question: &#8220;How do I hit the minimum requirement if I don&#8217;t normally spend that much on credit cards?&#8221; After all, you don&#8217;t want to make unnecessary or extravagant purchases. But you also don&#8217;t want to miss out on earning a valuable welcome bonus.<\/p>\n<p>So let&#8217;s discuss 10 ways to meet the minimum spending requirements on a new card.<\/p>\n<p><a id=\"important-considerations\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Important considerations<\/h2>\n<p>Before I introduce ways to meet the minimum spending threshold on your new card, let&#8217;s go through four critical points.<\/p>\n<p>First, note that <a href=\"https:\/\/thepointsguy.com\/credit-cards\/guide-credit-card-annual-fees\/\" rel=\"noopener noreferrer\" target=\"_blank\">paying your card&#8217;s annual fee<\/a> usually does not count toward the required minimum spending amount.<\/p>\n<p>Second, read the fine print regarding <a href=\"https:\/\/thepointsguy.com\/credit-cards\/credit-card-application-restrictions\/\" rel=\"noopener noreferrer\" target=\"_blank\">eligibility for the welcome offer<\/a>. After all, most cards restrict who can earn a bonus and the types of purchases that count toward the required minimum spending.<\/p>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/09\/Generic-CC-Wallet_NYC_OFriedman-4.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/09\/Generic-CC-Wallet_NYC_OFriedman-4.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/09\/Generic-CC-Wallet_NYC_OFriedman-4.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/09\/Generic-CC-Wallet_NYC_OFriedman-4.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/09\/Generic-CC-Wallet_NYC_OFriedman-4.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/09\/Generic-CC-Wallet_NYC_OFriedman-4.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/09\/Generic-CC-Wallet_NYC_OFriedman-4.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/09\/Generic-CC-Wallet_NYC_OFriedman-4.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/09\/Generic-CC-Wallet_NYC_OFriedman-4.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-3874346954 figcaption\">ORLI FRIEDMAN\/THE POINTS GUY<\/figcaption><\/figure>\n<p>If you have questions about your progress toward reaching a card&#8217;s minimum spending requirements for a bonus, call the number on the back of your card.<\/p>\n<p>Third, understand that the period for meeting the minimum spending requirement begins when you are approved for the card, not when you receive the card in the mail. For certain issuers, you can request expedited delivery of your card, while others may provide a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/credit-cards-that-offer-instant-card-numbers-upon-approval\/\" rel=\"noopener noreferrer\" target=\"_blank\">virtual number upon approval<\/a>. But generally, you&#8217;ll have to wait a week or more to receive your card.<\/p>\n<p>Finally, note that most card issuers exclude some purchases from the minimum spending threshold. For example, the offer terms for <a href=\"https:\/\/thepointsguy.com\/apply-now\/the-platinum-card-from-american-express\/?tid=post&amp;pid=22504813\" rel=\"noopener\" target=\"_blank\">The Platinum Card\u00ae from American Express<\/a> state that the following won&#8217;t count:<\/p>\n<div class=\"EmailSignUp_container__qYzYT tw-border tw-border-gray-2\"><picture class=\"EmailSignUp_graphic__zgpFm tw-opacity-0\"><source media=\"screen and (max-width: 767px)\" srcset=\"\/images\/EmailSignUp\/daily-mob.svg\"\/><img decoding=\"async\" alt=\"\" src=\"https:\/\/thepointsguy.com\/images\/EmailSignUp\/daily-dt.svg\"\/><\/picture>\n<div class=\"EmailSignUp_form__C8FWb\">\n<p>Daily Newsletter<\/p>\n<p>Reward your inbox with the TPG Daily newsletter<\/p>\n<p>Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\n<form class=\"jsx-2618086009 newsletter-form\">\n<div class=\"jsx-2618086009 EmailCapture_confirmation__xasB3 EmailCapture_noCheckbox__n4fsN   \">\n<p class=\"tw-text-xs-regular !tw-text-gray-5 hover:!tw-text-gray-5 tw-max-w-lg\">By signing up, you will receive newsletters and promotional content and agree to our<!-- --> <a class=\"!tw-text-gray-5 hover:!tw-text-gray-5\" href=\"https:\/\/thepointsguy.com\/terms-of-use\/\" target=\"_blank\" rel=\"noopener\">Terms of Use<\/a> <!-- -->and acknowledge the data practices in our<!-- --> <a class=\"!tw-text-gray-5 hover:!tw-text-gray-5\" href=\"https:\/\/thepointsguy.com\/privacy-policy\/\" target=\"_blank\" rel=\"noopener\">Privacy Policy<\/a>. You may unsubscribe at any time.<\/p>\n<\/div>\n<\/form>\n<\/div>\n<\/div>\n<blockquote><p>Fees or interest charges; purchases of travelers checks; purchases or reloading of prepaid cards; purchases of gift cards; person-to-person payments; or purchases of other cash equivalents.<\/p><\/blockquote>\n<p>Of course, you&#8217;ll want to avoid most of these cash-like transactions anyway, as they may trigger cash-advance fees. Most credit cards won&#8217;t count those types of purchases toward the spending requirement, but check your card&#8217;s terms and conditions for specific information.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/credit-card-sign-up-bonuses-low-spend\/\" rel=\"noopener\" target=\"_blank\">Credit card bonuses you can earn with $1,000 or less in spending<\/a><\/strong><\/p>\n<p><a id=\"buy-everything-with-your-new-card\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Buy everything with your new card<\/h2>\n<p>When working toward earning a bonus on a new card, I typically use it for all purchases, even if they don&#8217;t fall into a specific bonus category.<\/p>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6923076923077%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/09\/Person-Tapping-to-Pay-with-Credit-Card.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/09\/Person-Tapping-to-Pay-with-Credit-Card.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/09\/Person-Tapping-to-Pay-with-Credit-Card.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/09\/Person-Tapping-to-Pay-with-Credit-Card.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/09\/Person-Tapping-to-Pay-with-Credit-Card.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/09\/Person-Tapping-to-Pay-with-Credit-Card.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/09\/Person-Tapping-to-Pay-with-Credit-Card.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/09\/Person-Tapping-to-Pay-with-Credit-Card.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/09\/Person-Tapping-to-Pay-with-Credit-Card.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-3874346954 figcaption\">JACOB LUND\/SHUTTERSTOCK<\/figcaption><\/figure>\n<p>Normally, I&#8217;d rather put my dining expenses on one of the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/dining\/\" rel=\"noopener\" target=\"_blank\">best credit cards for dining<\/a> and my grocery purchases on one of the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/grocery\/\" rel=\"noopener\" target=\"_blank\">best credit cards for groceries<\/a>. Plus, I like to use a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/travel-insurance\/\" rel=\"noopener\" target=\"_blank\">card that offers excellent travel protections<\/a> when booking travel.<\/p>\n<p>However, if I&#8217;m struggling to reach the minimum spending requirements for a bonus, I&#8217;ll switch all my spending to that card for now.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/how-to-assess-build-credit-card-portfolio\/\" rel=\"noopener\" target=\"_blank\">How to assess and build your credit card portfolio<\/a><\/strong><\/p>\n<p><a id=\"pay-your-rent-or-mortgage\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Pay your rent or mortgage<\/h2>\n<p>Another method to consider is <a href=\"https:\/\/thepointsguy.com\/credit-cards\/paying-rent-credit-card\/\" rel=\"noopener noreferrer\" target=\"_blank\">paying your rent or mortgage<\/a> with your new card. You may be able to find a landlord, apartment complex or bank that will allow you to pay your rent or mortgage by credit card without a transaction fee, but this is relatively rare. The <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/bilt-mastercard\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Bilt Mastercard\u00ae<\/a><\/span> is an exception (see <a href=\"https:\/\/thepointsguy.com\/apply\/bilt-mastercard-rates-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">rates and fees<\/a>). <i>TPG Brian Kelly is a Bilt advisor and investor.<\/i><\/p>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/12\/Person-making-finance-calculations-on-calculator_d3sign.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/12\/Person-making-finance-calculations-on-calculator_d3sign.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/12\/Person-making-finance-calculations-on-calculator_d3sign.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/12\/Person-making-finance-calculations-on-calculator_d3sign.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/12\/Person-making-finance-calculations-on-calculator_d3sign.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/12\/Person-making-finance-calculations-on-calculator_d3sign.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/12\/Person-making-finance-calculations-on-calculator_d3sign.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/12\/Person-making-finance-calculations-on-calculator_d3sign.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/12\/Person-making-finance-calculations-on-calculator_d3sign.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-3874346954 figcaption\">D3SIGN\/GETTY IMAGES<\/figcaption><\/figure>\n<p>However, you could use a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/how-plastiq-works\/\" rel=\"noopener noreferrer\" target=\"_blank\">service like Plastiq<\/a>, which currently charges an up to 2.9% fee for using a card to pay bills you usually wouldn&#8217;t be able to pay with a card. So, it usually only makes sense to use this service to meet a minimum spending requirement or to earn a card perk that requires a high spending threshold.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/charge-monthly-bills-credit-card\/\" target=\"_blank\" rel=\"noopener\">When you should (and shouldn&#8217;t) pay bills with your credit card<\/a><\/strong><\/p>\n<p><a id=\"prepay-your-insurance-utilities-and-other-regular-expenses\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Prepay your insurance, utilities and other regular expenses<\/h2>\n<p>Another way to boost your spending is to prepay certain expenses. Many utility, phone and insurance companies will bill you monthly but will also allow you to overpay.<\/p>\n<p>You might be able to add an extra $100 to your utility bill payment for several months, or you could prepay three or even six months of insurance to ensure you&#8217;re reaching the amount needed to earn your welcome bonus.<\/p>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.4%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/01\/GettyImages-961141022.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/01\/GettyImages-961141022.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/01\/GettyImages-961141022.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/01\/GettyImages-961141022.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/01\/GettyImages-961141022.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/01\/GettyImages-961141022.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/01\/GettyImages-961141022.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/01\/GettyImages-961141022.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/01\/GettyImages-961141022.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-3874346954 figcaption\">CAVAN IMAGES\/GETTY IMAGES<\/figcaption><\/figure>\n<p>Another option would be to pay an annual or biannual bill early. If you&#8217;re struggling to meet a spending requirement, look ahead and see what bills are due soon. Likewise, it could make sense to prepay other recurring expenses in your life.<\/p>\n<p>However, before adding on these extra expenses, ensure you&#8217;ll still be able to <a href=\"https:\/\/thepointsguy.com\/credit-cards\/pay-credit-card-bills-right-way\/\" rel=\"noopener noreferrer\" target=\"_blank\">pay your card&#8217;s statement balance in full<\/a>.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/things-you-can-you-buy-with-a-credit-card\/\" rel=\"noopener\" target=\"_blank\">9 things you didn&#8217;t know you could pay for with a credit card<\/a><\/strong><\/p>\n<p><a id=\"pick-up-the-tab\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Pick up the tab<\/h2>\n<p>Many of my friends, family and acquaintances still <a href=\"https:\/\/thepointsguy.com\/credit-cards\/why-you-shouldnt-use-debit-card\/\" rel=\"noopener noreferrer\" target=\"_blank\">use cash or debit cards<\/a> when we&#8217;re at a restaurant or bar \u2014 and I&#8217;ve frequently found that restaurant staff won&#8217;t split a check across more than a couple of credit cards.<\/p>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:75%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/06\/dan-gold-105699-unsplash.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/06\/dan-gold-105699-unsplash.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/06\/dan-gold-105699-unsplash.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/06\/dan-gold-105699-unsplash.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/06\/dan-gold-105699-unsplash.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/06\/dan-gold-105699-unsplash.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/06\/dan-gold-105699-unsplash.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/06\/dan-gold-105699-unsplash.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/06\/dan-gold-105699-unsplash.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-3874346954 figcaption\">DAN GOLD\/UNSPLASH<\/figcaption><\/figure>\n<p>One option is to put the entire meal on your card. Then, you can have everyone give you cash or send funds via an online service like PayPal or <a href=\"https:\/\/thepointsguy.com\/credit-cards\/everything-you-need-to-know-about-venmo\/\" rel=\"noopener\" target=\"_blank\">Venmo<\/a>. Because you receive the funds to cover their portion of the bill, your only actual out-of-pocket expense is your meal.<\/p>\n<p>Of course, you may not want the hassle of chasing down any less-than-reliable friends who don&#8217;t pay immediately. But if you can manage that wrinkle, group meals can help you meet minimum spending requirements.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/guide\/maximize-dining-rewards-programs\/\" rel=\"noopener\" target=\"_blank\">Airline and hotel dining rewards programs: Which is best for you?<\/a><\/strong><\/p>\n<p><a id=\"donate-to-charity\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Donate to charity<\/h2>\n<p>Although many people give cash or write checks to their favorite charities, donating using a points-earning credit card is usually possible. Some credit cards even provide <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-credit-cards-for-charitable-donations\/\" rel=\"noopener noreferrer\" target=\"_blank\">category spending bonuses on charitable donations<\/a>.<\/p>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:69.9375%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/07\/Charity_Jose-Luis-Pelaez-Inc.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/07\/Charity_Jose-Luis-Pelaez-Inc.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/07\/Charity_Jose-Luis-Pelaez-Inc.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/07\/Charity_Jose-Luis-Pelaez-Inc.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/07\/Charity_Jose-Luis-Pelaez-Inc.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/07\/Charity_Jose-Luis-Pelaez-Inc.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/07\/Charity_Jose-Luis-Pelaez-Inc.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/07\/Charity_Jose-Luis-Pelaez-Inc.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/07\/Charity_Jose-Luis-Pelaez-Inc.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-3874346954 figcaption\">JOSE LUIZ PELAEZ INC\/GETTY IMAGES<\/figcaption><\/figure>\n<p>If you&#8217;re looking to finish off a minimum spending requirement, donating to your favorite charity is a great way to do so.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/guide\/donate-points-miles-charity\/\" rel=\"noopener noreferrer\" target=\"_blank\">How you can donate your points and miles to charity<\/a><\/strong><\/p>\n<p><a id=\"pay-your-taxes\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Pay your taxes<\/h2>\n<p>You may be able to <a href=\"https:\/\/thepointsguy.com\/credit-cards\/paying-taxes-credit-card\/\" rel=\"noopener\" target=\"_blank\">pay your taxes with a credit card<\/a>. You can use <a href=\"https:\/\/www.officialpayments.com\/\" rel=\"nofollow noopener noreferrer\" target=\"_blank\">ACI Payments, Inc.<\/a> as a third-party service for property and state taxes. You can check the <a href=\"https:\/\/www.irs.gov\/payments\/pay-taxes-by-credit-or-debit-card\" rel=\"noopener noreferrer\" target=\"_blank\">IRS list of tax payment service providers<\/a> to consider your options when paying federal taxes.<\/p>\n<p>However, consider the fees associated with each method since additional charges may negate the value of any points you earn. But, in some cases, it can be worth it.<\/p>\n<p><a id=\"purchase-points-or-miles\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Purchase points or miles<\/h2>\n<p>Typically, you won&#8217;t want to buy points or miles unless you have a planned redemption in mind and have found the award space you need. After all, your points or miles could suddenly drop in value if the program devalues its awards.<\/p>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/04\/JGI_Jamie-Grill_GettyImages-508482991.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/04\/JGI_Jamie-Grill_GettyImages-508482991.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/04\/JGI_Jamie-Grill_GettyImages-508482991.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/04\/JGI_Jamie-Grill_GettyImages-508482991.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/04\/JGI_Jamie-Grill_GettyImages-508482991.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/04\/JGI_Jamie-Grill_GettyImages-508482991.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/04\/JGI_Jamie-Grill_GettyImages-508482991.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/04\/JGI_Jamie-Grill_GettyImages-508482991.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/04\/JGI_Jamie-Grill_GettyImages-508482991.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-3874346954 figcaption\">JGI\/JAMIE GRILL\/GETTY IMAGES<\/figcaption><\/figure>\n<p>Even so, <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-credit-cards-buying-points-and-miles\/\" rel=\"noopener noreferrer\" target=\"_blank\">purchasing points or miles with a credit card<\/a> can be an excellent way to hit a minimum spending threshold, especially if you can use these points soon. However, if you plan on going this route, waiting for a bonus points <a href=\"https:\/\/thepointsguy.com\/news\/current-buy-points-miles-promotions\/\" rel=\"noopener noreferrer\" target=\"_blank\">promotion<\/a> is best.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/guide\/when-to-buy-points-miles\/\" rel=\"noopener noreferrer\" target=\"_blank\">When does it make sense to buy points and miles?<\/a><\/strong><\/p>\n<p><a id=\"put-down-a-down-payment-on-a-new-car\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Put down a down payment on a new car<\/h2>\n<p>If you&#8217;re looking for a new car, consider using a credit card for your car purchase. You may not be able to charge the entire purchase to your card, but you could still get a sizable chunk of your minimum spending out of the way with a down payment.<\/p>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/04\/Person-roadtripping-and-driving-car-through-Arches-National-Park_piola666.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/04\/Person-roadtripping-and-driving-car-through-Arches-National-Park_piola666.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/04\/Person-roadtripping-and-driving-car-through-Arches-National-Park_piola666.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/04\/Person-roadtripping-and-driving-car-through-Arches-National-Park_piola666.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/04\/Person-roadtripping-and-driving-car-through-Arches-National-Park_piola666.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/04\/Person-roadtripping-and-driving-car-through-Arches-National-Park_piola666.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/04\/Person-roadtripping-and-driving-car-through-Arches-National-Park_piola666.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/04\/Person-roadtripping-and-driving-car-through-Arches-National-Park_piola666.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2025\/04\/Person-roadtripping-and-driving-car-through-Arches-National-Park_piola666.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-3874346954 figcaption\">PIOLA666\/GETTY IMAGES<\/figcaption><\/figure>\n<p>Many dealerships will let you put $2,000-$5,000 on a card, but it&#8217;s best to confirm a final deal with the salesperson before discussing that possibility. Of course, this is only a good idea if you plan to purchase a car.<\/p>\n<p><a id=\"get-reimbursed-for-business-expenses\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Get reimbursed for business expenses<\/h2>\n<p>It&#8217;s best to get a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/business\/\" rel=\"noopener noreferrer\" target=\"_blank\">small-business credit card<\/a> to separate your personal and business expenses. But, if you&#8217;re in a pinch and have a short window to meet the minimum spending requirements on a new credit card, it could be worth <a href=\"https:\/\/thepointsguy.com\/credit-cards\/personal-expenses-on-business-credit-card\/\" rel=\"noopener noreferrer\" target=\"_blank\">using a personal credit card for business expenses<\/a> and getting reimbursed.<\/p>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/10\/Business-owner-at-restaurant-sitting-at-bar-seating-and-smiling_-kate_sept2004.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/10\/Business-owner-at-restaurant-sitting-at-bar-seating-and-smiling_-kate_sept2004.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/10\/Business-owner-at-restaurant-sitting-at-bar-seating-and-smiling_-kate_sept2004.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/10\/Business-owner-at-restaurant-sitting-at-bar-seating-and-smiling_-kate_sept2004.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/10\/Business-owner-at-restaurant-sitting-at-bar-seating-and-smiling_-kate_sept2004.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/10\/Business-owner-at-restaurant-sitting-at-bar-seating-and-smiling_-kate_sept2004.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/10\/Business-owner-at-restaurant-sitting-at-bar-seating-and-smiling_-kate_sept2004.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/10\/Business-owner-at-restaurant-sitting-at-bar-seating-and-smiling_-kate_sept2004.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/10\/Business-owner-at-restaurant-sitting-at-bar-seating-and-smiling_-kate_sept2004.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-3874346954 figcaption\">KATE_SEPT2004\/GETTY IMAGES<\/figcaption><\/figure>\n<p>Check with your employer to see if using your personal card for business expenses is possible. But be careful not to bite off more than you can chew.<\/p>\n<p>After all, it can take a while to get reimbursed. So, you may need to pay the balance on your card before the reimbursement from your company hits your bank account.<\/p>\n<p>We don&#8217;t recommend doing the reverse of this; that is, using a business card for personal expenses. While you may get away with it, issuers specifically prohibit this in the terms and conditions of most business cards. You don&#8217;t want to risk account closure, since that would mean you&#8217;d forfeit any rewards earned from your welcome bonus.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ways-you-might-be-eligible-for-business-credit-card\/\" rel=\"noopener\" target=\"_blank\">Who qualifies for a business credit card?<\/a><\/strong><\/p>\n<p><a id=\"ask-friends-and-family-for-help\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Ask friends and family for help<\/h2>\n<p>If you&#8217;re out of ideas about meeting the minimum spending requirements on your new card, you could enlist the help of trusted family or friends. For example, if you&#8217;re a college student, you could ask your parents if you can pay their monthly bills using your credit card. They&#8217;d then transfer the money to you immediately after the bills are paid.<\/p>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/09\/Family-in-new-home.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/09\/Family-in-new-home.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/09\/Family-in-new-home.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/09\/Family-in-new-home.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/09\/Family-in-new-home.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/09\/Family-in-new-home.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/09\/Family-in-new-home.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/09\/Family-in-new-home.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2020\/09\/Family-in-new-home.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-3874346954 figcaption\">MARK EDWARD ATKINSON\/GETTY IMAGES<\/figcaption><\/figure>\n<p>However, I only recommend paying the bills of people you trust. After all, you&#8217;ll ultimately be on the hook if they decide not to reimburse you.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/what-to-do-before-applying-credit-card\/\" rel=\"noopener\" target=\"_blank\">5 things to check before applying for your next credit card<\/a><\/strong><\/p>\n<p><a id=\"bottom-line\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Bottom line<\/h2>\n<p>I recommend putting some or all of your credit card spending on your new card when you&#8217;re working toward earning a welcome bonus. However, if your regular credit card spending isn&#8217;t enough to reach the bonus, you can leverage some of the abovementioned strategies to boost your spending.<\/p>\n<p>But make sure you have enough funds in your bank account to pay off your statement balance in full each month. After all, <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ways-to-use-a-credit-card-responsibly\/\" rel=\"noopener noreferrer\" target=\"_blank\">paying interest or late fees<\/a> will effectively decrease the value of any bonus you earn.<\/p>\n<p>To pick up a big chunk of points, read our guide to the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/limited-time-card-offers\/\" rel=\"noopener\" target=\"_blank\">best credit card welcome offers<\/a>.<\/p>\n<hr class=\"jsx-4213731811\"\/>\n<p><em>For rates and fees of the Bilt Mastercard, click <a href=\"https:\/\/thepointsguy.com\/apply\/bilt-mastercard-rates-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">here<\/a>.<\/em><br \/><em>For rewards and benefits of the Bilt Mastercard, click <a href=\"https:\/\/www.biltrewards.com\/terms\/rewards-and-benefits\" rel=\"noopener\" target=\"_blank\">here<\/a>.<\/em><\/p>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/thepointsguy.com\/guide\/ways-to-meet-minimum-spending-requirement\/\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many travel credit cards feature excellent welcome bonuses for new cardholders. However, you generally need to spend a particular amount on your new card within a specific time period to earn the bonus. The amount of spending required may be more than you would typically spend on credit cards. As such, we frequently get the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":166998,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":{"0":"post-166997","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-travel"},"_links":{"self":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/166997","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/comments?post=166997"}],"version-history":[{"count":0,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/166997\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media\/166998"}],"wp:attachment":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media?parent=166997"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/categories?post=166997"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/tags?post=166997"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}