Meeting Minimum Spend

The Golden Rule

Never spend money you wouldn't otherwise spend just to earn points.

This sounds obvious, but it's easy to rationalize purchases when you're close to a bonus. "I'll just buy this thing I kind of want..." That's how the math stops working in your favor.

Instead, use these strategies to meet minimum spend with money that was already leaving your wallet.

Strategy 1: Redirect Existing Spending

The simplest approach—put everything you already pay for on your new card:

• Groceries
• Gas
• Dining out
• Subscriptions (Netflix, Spotify, gym)
• Phone bill
• Internet/cable
• Insurance premiums (if they accept credit cards without fees)

Many people underestimate how much they spend monthly. Track your spending for a month—you might be surprised.

Strategy 2: Time Your Application

Apply for a new card when you have large planned expenses coming:

• Holiday shopping season
• Planned furniture or appliance purchase
• Annual insurance premiums
• Home repairs or improvements
• Upcoming travel (flights, hotels, rental cars)
• Tuition payments (if accepted)

A single $2,000 appliance purchase can cover half your minimum spend instantly.

Strategy 3: Prepay Regular Bills

Some services let you prepay or buy credits in advance:

• Amazon gift card balance (for things you'll buy anyway)
• Prepay utility bills
• Stock up on gift cards for stores you frequent

Strategy 4: Pay for Group Expenses

Offer to put group expenses on your card and have friends reimburse you:

• Group dinners
• Shared vacation costs
• Office supplies or group gifts

You get the spend, they pay you back. Just make sure you trust the people involved and collect payment promptly.

Strategy 5: Pay Rent (Bilt)

If you're a renter, the Bilt Mastercard lets you pay rent and earn points with no fees. This is a game-changer for renters—your largest monthly expense can now count toward bonuses and ongoing earning.

What NOT to Do

• Don't buy things you don't need — The bonus isn't worth it if you're spending extra
• Don't pay fees to meet spend — Cash advances, payment fees, and similar charges don't count and cost you money
• Don't stress over it — If you can't meet the spend naturally, the card isn't right for you right now

Tracking Your Progress

Most card issuers show your progress toward the bonus in their app or website. Check weekly to ensure you're on track. Remember:

• The clock usually starts from approval date, not when you receive the card
• Pending transactions typically count, but confirm with your issuer
• Returns reduce your qualifying spend

Key Takeaways

• Never overspend just to hit a bonus
• Redirect existing spending to your new card
• Time applications around large planned purchases
• Prepaying and group expenses can help ethically
• If you can't meet the spend naturally, choose a different card