Best Low Minimum Spend Credit Cards

Chase

Chase Freedom Unlimited

$200

~$200 value

Offer confirmed 2026-10-11

Spend Required$500 in 3 months

Annual Fee$0

Base Rewards1.5% on all purchases

3% dining3% drugstores5% travel via Chase portal

Monthly spend needed$167

Estimated first-year value$200

Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-10-11.

Capital One

Capital One SavorOne

$200

~$200 value (unconfirmed estimate)

Unconfirmed offer

Spend Required$500 in 3 months

Annual Fee$0

Base Rewards1% on all purchases

3% dining3% entertainment3% streaming+2 more

Monthly spend needed$167

Estimated first-year value$200 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

Chase

Chase Freedom Flex

$250

~$250 value

Offer confirmed 2026-10-11

Spend Required$500 in 3 months

Annual Fee$0

Base Rewards1% on all purchases

5% rotating categories (quarterly)3% dining3% drugstores

Monthly spend needed$167

Estimated first-year value$250

Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-10-11.

Capital One

Capital One Quicksilver

$200

~$200 value (unconfirmed estimate)

Unconfirmed offer

Spend Required$500 in 3 months

Annual Fee$0

Base Rewards1.5% on all purchases

Monthly spend needed$167

Estimated first-year value$200 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

Wells Fargo

Wells Fargo Active Cash Card

$100

~$100 value

Offer confirmed 2026-10-11

Spend Required$500 in 3 months

At least $500 in net purchases must post to your account within 3 months from account opening to earn the bonus. Eligibility: Credit approval is required; eligibility is not guaranteed. You may not qualify for another Wells Fargo consumer credit card if you opened one in the last 4 months. You may not be eligible for introductory offers if you currently have Active Cash or opened it within the last 48 months, even if that account is closed with a zero balance. Product switches do not receive a new rewards bonus or introductory APR. Exclusions: Returns and credits reduce qualifying purchases. Cash advances and equivalents, including ATM transactions, money orders, prepaid gift cards, traveler’s checks, wire and person-to-person transfers, overdraft advances and digital currencies, do not qualify. Balance transfers and SUPERCHECKS do not qualify. Disputed, illegal or agreement-violating purchases, fees, interest and gambling transactions do not qualify. The product page says bonus rewards become redeemable within 60 days after they are earned. The linked terms say the bonus posts within one to two billing periods after it is earned.

Annual Fee$0

Base Rewards2% on all purchases

Monthly spend needed$167

Estimated first-year value$100

WEB/WF public offer; offers may vary by channel and time.

Credit approval is required; eligibility is not guaranteed.
You may not qualify for another Wells Fargo consumer credit card if you opened one in the last 4 months.
You may not be eligible for introductory offers if you currently have Active Cash or opened it within the last 48 months, even if that account is closed with a zero balance.
Product switches do not receive a new rewards bonus or introductory APR.

Qualifying purchases and bonus timing

Returns and credits reduce qualifying purchases.
Cash advances and equivalents, including ATM transactions, money orders, prepaid gift cards, traveler’s checks, wire and person-to-person transfers, overdraft advances and digital currencies, do not qualify.
Balance transfers and SUPERCHECKS do not qualify.
Disputed, illegal or agreement-violating purchases, fees, interest and gambling transactions do not qualify.

The product page says bonus rewards become redeemable within 60 days after they are earned.

The linked terms say the bonus posts within one to two billing periods after it is earned.

Official offer terms

Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-10-11.

Wells Fargo

Wells Fargo Autograph Card

60,000 points

~$900 value (unconfirmed estimate)

Unconfirmed offer

Spend Required$1,000 in 3 months

Annual Fee$0

Base Rewards1x on all purchases

3x restaurants3x travel3x gas+2 more

Monthly spend needed$334

Estimated first-year value$900 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Existing card-specific editorial estimate; review required. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

Bank of America

Bank of America Unlimited Cash Rewards

$200

~$200 value (unconfirmed estimate)

Unconfirmed offer

Spend Required$1,000 in 3 months

Annual Fee$0

Base Rewards1.5% on all purchases

Monthly spend needed$334

Estimated first-year value$200 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

Bank of America

Bank of America Customized Cash Rewards

$200

~$200 value (unconfirmed estimate)

Unconfirmed offer

Spend Required$1,000 in 3 months

Annual Fee$0

Base Rewards1% on all purchases

3% on category of choice2% grocery/wholesale

Monthly spend needed$334

Estimated first-year value$200 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

Barclays

JetBlue Plus Card

70,000 points

~$1,050 value

Offer confirmed 2026-10-11

Spend Required$1,000 in 90 days

Spend $1,000 in net purchases and pay the $99 annual fee in full, both within the first 90 days after account opening.

Annual Fee$99

Base Rewards1x on all purchases

6x JetBlue2x restaurants2x groceries

Monthly spend neededCheck terms

Estimated first-year value$951

Qualifying purchases exclude credits, returns and adjustments. Minimum payments may not pay the annual fee in full by the deadline.

Value assumptions and offer source

Existing card-specific editorial estimate; review required. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-10-11.

Chase

Marriott Bonvoy Bold

45,000 points

~$225 value

Offer confirmed 2026-10-11

Spend Required$1,000 in 3 months

Annual Fee$0

Base Rewards1x on all purchases

3x Marriott2x groceries2x rideshare/food delivery+1 more

Monthly spend needed$334

Estimated first-year value$225

Value assumptions and offer source

0.5¢ per point: Airline transfer (3:1) (hypothetical scenario, last maintained 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-10-11.

US Bank

US Bank Altitude Connect

20,000 points

~$300 value (unconfirmed estimate)

Unconfirmed offer

Spend Required$1,000 in 3 months

Annual Fee$0

Base Rewards1x on all purchases

5x hotels/car rentals via Travel Center4x travel and gas/EV charging (up to $1k/quarter)2x dining+2 more

Monthly spend needed$334

Estimated first-year value$300 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Existing card-specific editorial estimate; review required. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

Citi

Citi Custom Cash Card

20,000 points

~$100 value (unconfirmed estimate)

Unconfirmed offer

Spend Required$1,500 in 3 months

Annual Fee$0

Base Rewards1% on all purchases

5% on top spending category (up to $500/month)

Monthly spend needed$500

Estimated first-year value$100 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.5¢ per point: Statement credit (hypothetical scenario, last maintained 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

Citi

Citi Double Cash Card

$200

~$200 value

Last confirmed 2026-09-23

Spend Required$1,500 in 6 months

Annual Fee$0

Base Rewards2% on all purchases (1% when you buy, 1% when you pay)

Monthly spend needed$250

Estimated first-year value$200

We last confirmed this offer on 2026-09-23. It may have changed since, so check the issuer before applying.

Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-09-23.

Chase

Southwest Rapid Rewards Priority

60,000 points

~$660 value

Offer confirmed 2026-10-11

Spend Required$2,000 in 3 months

Annual Fee$229

Base Rewards1x on all other purchases

4x Southwest Airlines purchases2x gas stations and restaurants

Monthly spend needed$667

Estimated first-year value$431

Value assumptions and offer source

1.1¢ per point: Business Select (hypothetical scenario, last maintained 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-10-11.

American Express

Blue Cash Everyday Card

$250

~$250 value

Last confirmed 2026-09-23

Spend Required$2,000 in 6 months

Annual Fee$0

Base Rewards1% on all purchases

3% groceries (up to $6k/yr)3% gas3% online retail

Monthly spend needed$334

Estimated first-year value$250

We last confirmed this offer on 2026-09-23. It may have changed since, so check the issuer before applying.

Value assumptions and offer source

Cash bonus at face value. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-09-23.

American Express

Hilton Honors Card

80,000 points

~$320 value (unconfirmed estimate)

Unconfirmed offer

Spend Required$2,000 in 6 months

Annual Fee$0

Base Rewards3x on all purchases

7x Hilton5x restaurants5x groceries+1 more

Monthly spend needed$334

Estimated first-year value$320 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.4¢ per point: Standard hotel redemption (hypothetical scenario, last maintained 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.