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 (see rates and fees)
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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For Hilton Honors rates and fees, click here.

Miles and Points Strategy Consultations

Need help with your miles and points? You can book a miles and points consultation. Whether you're learning how to use travel rewards or have been in the game, this consultation is personalized for your needs. We can discuss credit cards, loyalty programs, anything and everything miles and points related.

 

Includes a summary and a written plan with recommendations on how to achieve your miles and points goals sent within 24 hours after consultation.

 

Note: This is a consultation not an award booking service.

 

Schedule your miles and points consultation now.

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Traveling Well For Less has partnered with Your Best Credit Cards for our coverage of credit card products. Traveling Well For Less and YBCC may receive a commission from card issuers.

Capital One Venture X Business

With the Capital One Venture X Business the welcome offer is 150,000 mile bonus after spending $30,000 on purchases in the first three months.

 

My favorite perks about this card are free Capital One Lounge access, earning 2X points on all purchases, and transferring miles to over 15 travel loyalty programs.

 

Learn more about the Capital One Venture X Business and how to apply

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Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is the best card to get started in the world of miles and points. It is the first card you should get to start traveling for free because the welcome offer is 60,000 points after spending $4,000 in the first three months.You can get up to $1,050 in Chase Travel value: the 60k points are worth $750 when booked through the Chase Travel portal. And you get up to $300 in statement credits on travel booked through the Chase portal your first year.

 

My favorite perks about this card are earning 5X points on travel when booked through the Chase portal (2X if direct purchase), 3X points on dining, $50 yearly credit on hotels booked through the Chase portal, no foreign transaction fees, and transferring points to 13 airline and hotel partners like Hyatt, United, and Southwest.

 

Learn more about the Chase Sapphire Preferred® Card and how to apply