6 Welcome Offers You Can Earn Spending Less than $350 per Month

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If you have a modest budget, it can be frustrating to see huge welcome offers that require far too much spending. So, we've assembled our favorite cards that feature smaller-than-average spending requirements to earn the welcome bonus.

In addition to an affordable minimum spend, the cards that made the list all have great ongoing rewards. Long after you earn your bonus, you can be confident you're getting a solid return every time you swipe your card.

6 of the Best Offers With Low Spending Requirements

Chase Freedom Unlimited®
Chase Freedom Unlimited®
Annual Fee$0
Welcome Bonus Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
The everyday workhorse of the Ultimate Rewards family of cards earns 1.5% cash back on every purchase, every day of the week. While the Freedom Unlimited earns cash back on its own, the points earned become even more valuable when you hold an Ultimate Rewards card with the ability to transfer points to partners.
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
  • Earn 5% on travel purchased through Chase
  • Earn 3% on dining at restaurants
  • Earn 3% on drugstore purchases
  • Earn 1.5% on all purchases

Spending Rate: You need to spend roughly $167 per month in the first three months to earn the signup bonus.

Mini-Review: One of the undisputed kings of everyday spending, the Freedom Unlimited earns a solid 1.5X points on all non-bonus spending, plus 5X points on travel purchased through Chase and 3X points on dining at restaurants and on drugstore purchases.

As a standalone card, you can redeem those points for 1¢ each as cash back or through the Chase travel portal. But if you also hold an Ultimate Rewards card that charges an annual fee, you have more options. You can combine points between cards and redeem them for a higher fixed-value via the Chase Travel Portal. Or, you can transfer these points to Chase's 13 airline and hotel partners to get even more value from your points.

Capital One Quicksilver Cash Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card
Annual Fee$0
New Cardmember Bonus $200 Cash Back after you spend $500 on purchases within 3 months from account opening
  • $200 Cash Back after you spend $500 on purchases within 3 months from account opening
  • 1.5% Cash Back on every purchase, every day.
  • No foreign transaction fees
  • $0 annual fee
  • 1.5% Cash Back on every purchase, every day.

Spending Rate: You need to spend roughly $167 per month in the first three months to earn the new cardmember bonus.

Mini-Review: The new Capital One Quicksilver is Capital One's go-to no-annual-fee card for non-bonus spending. Cardholders earn a one-time $200 Cash Back after spending just $500 in the first three months you hold the card. That's an exceptional bonus of more than 40% back on your first $500 in spending.

You'll get 1.5% cash back on every purchase with no special categories to navigate. Plus, the card offers a generous intro APR on purchases for 15 months.

U.S. Bank Altitude® Go Visa Signature® Card
U.S. Bank Altitude® Go Visa Signature® Card
Annual Fee$0
Welcome Bonus Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.
  • 4X points on takeout, food delivery and dining
  • 2X points at grocery stores, grocery delivery, gas stations and on streaming services
  • 1 point on all other eligible purchases

Spending Rate: You need to spend roughly $334 per month in the first three months to earn the signup bonus.

Mini-Review: The Altitude Go card is a solid value for folks that want to earn rewards that are simple to use. Each point is worth one cent, and there are lots of great ways to redeem your points. This card stands out for earning extra points on popular categories like dining and food delivery (4x) and groceries, gas stations, and streaming services (2x). On top of that, you can earn a $15 credit each year for streaming services like Netflix and Spotify—which is great for a card with no annual fee.

Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card
Annual Fee$0
New Cardmember Bonus $200 Cash Back after you spend $500 on purchases within 3 months from account opening
  • $200 Cash Back after you spend $500 on purchases within 3 months from account opening.
  • 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No foreign transaction fees
  • $0 annual fee
  • 3% cash back on dining and entertainment
  • 2% at grocery stores
  • 1% on all other purchases

Spending Rate: You need to spend roughly $167 per month in the first three months to earn the new cardmember bonus.

Mini-Review: If you're looking for a great no-annual-fee card to reward your dining and entertainment spending, the Capital One SavorOne is a great addition to your wallet. With this modest spending requirement of $500 in three months,  you can earn the new cardmember bonus while spending less than $50 a week on your new credit card.

Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
Apply Now
Rates & Fees
(Terms apply)
Blue Cash Everyday® Card from American Express
Annual Fee$0
Welcome Bonus Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.
The Blue Cash Everyday is a solid, no-annual-fee, cashback card for anyone who spends a lot on groceries and gas.
  • Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • Rates & Fees
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores
  • 1% back on other purchases

Spending Rate: You need to spend $334 per month over the first three months you hold the card to earn the full welcome bonus.

Mini-Review: The Blue Cash Everyday is currently running solid welcome offer of $200 cash back. New cardmembers also receive an excellent 3% return at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), plus, you get 2% back at U.S. gas stations and at select U.S. department stores.

Check out our comparison of the Blue Cash Everyday and Blue Cash Preferred® Card from American Express to see which card makes sense for your budget.

Chase Freedom Flex℠
Chase Freedom Flex℠
Annual Fee$0
Welcome Bonus Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
  • Earn 5% on up to $1,500 on combined purchases in bonus categories each quarter you activate
  • Earn 5% on travel purchased through Chase Ultimate Rewards
  • Earn 3% on dining at restaurants, including takeout and eligible delivery services
  • Earn 3% on drugstore purchases
  • Earn 1% on all other purchases

Spending Rate: You need to spend roughly $167 per month in the first three months to earn the signup bonus.

Mini-Review: The Freedom Flex is the latest rewards card to join Chase's stable of Ultimate Rewards earning cards, and features an excellent signup bonus of $200 after you spend $500 on purchases in your first 3 months from account opening. The card earns 5X points on rotating categories on up to $1,500 in combined purchases each quarter. You'll also earn 5X points on travel purchases through Chase and 3X points on dining at restaurants and drugstore purchases. Plus, new cardmembers can take advantage of a 15-month intro APR offer to help finance bigger purchases.

As with the Freedom Unlimited, you can combine points with another Chase card to redeem them through the Chase Travel Portal or transfer points to Chase's airline and hotel partners.

Final Thoughts

While it's generally 100,000-point bonuses that dominate the press, there are plenty of offers that require far less spending to earn a bonus. It's rarely a good idea to sign up for a card that requires you to spend more than normal just to earn a bonus. When your budget is small, take advantage of cards that deliver a good mix of up-front value and a solid return on purchases over the long term.

When you do have a big expense on the horizon, that's the perfect time to take a look at the higher bonuses which require a bit more spending. Home-improvement projects, car repairs, and vacations are all great opportunities to get a head start on a bigger spending requirement. In the meantime, don't be afraid to start building up those points with one of these great offers within easy reach.

For rates and fees of the cards mentioned in this post, please visit the following links: Blue Cash Everyday® Card from American Express (Rates & Fees)

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Comments

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    Wow, my friend is looking for a credit card like this. I’ll pass the info on to her. Thanks for the info!

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    Looks like a good time to play some small ball in the credit card reward game….these 7 offers really add up to a tidy sum if u do them all.

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    I think that you should never have more than one card at a time. Very Risky and useless.

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      It is only risky if one is not in control of their spending and budget. For example, most folks here would tell you absolutely never carry a balance on a card. And, then I’d share that almost everyone here at AW does indeed have more than one card because when handled properly it can be very rewarding.

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    All of these are good for those who have a hard time manufacturing spend on credit card bonuses. I would personally go for the Chase freedom card.

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    Freedom Flex is one of the next cards on my list. I’m glad I waited, as it’s more attractive than its predecessor (Chase Freedom Visa).

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    Too bad north of the border we don’t see anything like this often

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    How many Chase cards can you have at a time. We usually have one or two open, not many. But this is something that might work for us. Not seen any AA tie up with Chase though.

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    Alan g Schroeder says:

    I will pass this on to my son who can’t take advantage of the higher spend cards.

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    Like these where there is no annual fee. Wish Citi would offer cash bonuses.