Credit Cards With No Minimum Spend Requirements

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Update: Some of the credit card offers in this post are no longer available. Check our travel rewards card page for the latest offers.

Because airfare and lodging can be significant expenses when you travel, the fastest way to free airfare and free hotel stays and lowering your travel costs is through credit card signup bonuses, specifically credit cards with no minimum spend requirements.

Credit card signup bonuses can vary from 10,000 - 50,000 miles or points.  Depending on the airline and where you're flying, the bonus miles may be enough to earn you a free airline ticket or two.  Bonus points can be enough for several free hotel nights.

From a purely economic standpoint, credit cards with no minimum spend requirements and high signup bonuses offer the best bang for your buck.

But times have changed and now most travel rewards cards have a minimum spending requirement. Read cards with low minimum spending requirements.

Miles/Points: "free" signup bonus miles/points received upon approval or first use
Bonus Miles/Points: additional miles/points received for laying out some dough
Cost for card: annual fee cost if any, most waive the fee for the first year
cpm (cost per mile) and cpp (cost per point): since there's no such thing as a free lunch, what you're paying for those "free" miles and "free" points

Credit Cards With No Minimum Spend Requirements

These are the credit cards with no minimum spend requirements.

Chase Ink Classic 

Points: 10,000 Ultimate Rewards points after first use
Bonus points: 15,000 Ultimate Rewards after $5,000 spend in first three months
Cost for card: $0 annual fee
cpp (cost per point): $0.01 ($1 ÷ 5,000)
cpp (cost per point): $0.20 ($1 + $5,000 ÷ 25,000)

Hawaiian Airlines Visa Signature card 

Miles: 60,000 Hawaiian Airline miles after spending $2,000 in the first 90 days
Cost for card: $99 annual fee
cpm (cost per mile): $0.03 ($2,000 + $99 ÷ 60,000)

Hilton Honors American Express Card 

Points: 100,000 Hilton Honors points spending $2,000 in the first six months. Terms Apply. 
Cost for card: $0 annual fee
cpp (cost per point): $0.02 ($2,000 ÷ 100,000); $0.02 ($2,000 + $0 ÷ 100,000)

Marriott Rewards Visa Signature card 

Points: 50,000 Marriott Rewards points after first use
Cost for card: $85 annual fee after first year
cpp (cost per point): $0.01 ($1 ÷ 50,000); $0.02 ($1 + $85 ÷ 50,000)

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