Do you’re keen on getting bank card bonuses however don’t just like the excessive spending necessities that include many bank card bonus provides? Maybe you wish to earn rewards however don’t spend sufficient cash month-to-month to justify the excessive annual price.
Simply since you don’t spend 1000’s each month in your bank card doesn’t imply you have to be pushed out of the bank card rewards recreation.
On this article, we’re sharing the very best bank cards for low spenders. The playing cards we’ve chosen provide welcome bonuses and engaging rewards applications, and a few of them additionally seem on our listing of the greatest money again bank cards.
Desk of Contents
- Greatest Credit score Playing cards for Low Spenders
- 1. Blue Money Most popular® Card from American Specific
- 2. Capital One VentureOne Rewards
- 3. Capital One Quicksilver Money Rewards Credit score Card
- 4. Chase Freedom Limitless
- 5. Capital One SavorOne Money Rewards Credit score Card
- 6. Uncover it Money Again Card
- 7. U.S. Financial institution Money Plus Card
- 8. Chase Freedom Flex
- 9. Citi Customized Money Card
- 10. Uncover it Miles
- Closing Ideas
Greatest Credit score Playing cards for Low Spenders
Whether or not you’re a low-spender as a result of you must be or since you wish to be, you deserve bank card and checking account bonuses simply the identical.
The next bank cards provide bonuses for many who like to earn and lower your expenses on the identical time. So whether or not you’re after journey advantages, money again, or just the comfort of utilizing a bank card, we’ve obtained one thing right here for you.
1. Blue Money Most popular® Card from American Specific
Welcome bonus: $250 assertion credit score after you spend $3,000 in purchases within the first 6 months
The Blue Money Most popular® Card from American Specific has an annual price after the primary yr, nevertheless it comes with a beautiful money again rewards program:
- 6% cashback at supermarkets on $6,000 per yr in spending,
- 6% cashback on choose US streaming (Spotify, Netflix, Hulu, HBO, ShowTime, Pandora, Apple Music, Amazon Music or Video however not Amazon Prime – see the American Specific web site for full detailed listing),
- 3% cashback at gasoline stations with no restrict,
- 3% cashback on transit (floor transportation solely),
- 1% on all the things else with no restrict.
There’s a $0 intro annual price for the primary yr, then $95 annual price, . However this price needs to be simply made up with money again simply on groceries alone.
Different options embrace Pay It Plan It, which lets you make funds on certified purchases.
American Specific International Help Hotline might help you with journey emergencies, whereas American Specific Experiences offers you pre-sale entry to concert events and different occasions.
2. Capital One VentureOne Rewards
Welcome bonus: 20,000 miles when you spend $500 on purchases inside 3 months from account opening
The Capital One VentureOne Rewards card is a superb card for low spenders who’re additionally vacationers. Advantages embrace:
- earn 5X miles per greenback on motels and rental automobiles booked by means of Capital One Journey and earn limitless 1.25X miles per greenback on each buy, day by day
- $0 annual price
- E book with Capital One Journey to make use of your miles, or use miles to get reimbursed for previous journey purchases
- No expiration date on rewards for the lifetime of the account
- No international transaction charges
Cardholders can go to the Capital One Lounge after they journey.
Different advantages of rewards are that they can be utilized for Amazon purchases, and so they have the potential to be transferred to different journey loyalty applications.
3. Capital One Quicksilver Money Rewards Credit score Card
Welcome bonus: $200 Money Again after you spend $500 on purchases inside 3 months from account opening
You probably have wonderful credit score, the Capital One Quicksilver Rewards card may very well be best for you. The welcome bonus is simple to earn, and the cardboard provides different advantages as nicely.
- $0 annual price
- 1.5% cashback on each buy
- No international transaction charges
With the Quicksilver Rewards card, you may have your rewards despatched through examine, a credit score to your account, or you need to use them to get a wide range of retailer reward playing cards.
There’s no minimal requirement to redeem your rewards. There’s a Quicksilver Rewards Secured card obtainable as nicely, nevertheless it doesn’t embrace a gap bonus as of this writing.
4. Chase Freedom Limitless
Welcome bonus: as much as $300 money again with an extra 1.5% money again on all the things you purchase (on as much as $20,000 spent within the first yr)
Chase’s Freedom Limitless card is one other card that gives nice money again and different advantages – 5% on journey purchases by means of Chase Final Rewards, 3% at drug shops and eating, plus 1.5% money again on all different purchases. All for a $0 annual price.
The welcome bonus is simply obtainable to new card members who wouldn’t have the Chase Freedom Limitless card and haven’t acquired a welcome bonus for this card inside the final 24 months.
To obtain the 5% money again for journey, it’s essential to buy your journey by means of the Chase Final Rewards program.
5. Capital One SavorOne Money Rewards Credit score Card
Welcome bonus: $200 Money Again after you spend $1,000 on purchases within the first three months
The Capital One Capital One SavorOne Money Rewards Card is a superb card for low spenders who prefer to eat out. It provides the next options:
- 3% Money Again on eating, leisure, fashionable streaming providers and grocery shops (excluding superstores like Walmart and Goal), plus 1% Money Again on all different purchases
- $0 annual price
- No international transaction charges
The exclusion of Walmart and Goal on this card is a bit disappointing, particularly for frugal grocery buyers like myself.
Nevertheless, the three% on leisure makes up for it a bit because it contains a wide selection of venues, together with film theaters, zoos, bowling alleys, theatrical occasions, sports activities occasions, and extra.
6. Uncover it Money Again Card
Welcome bonus: Greenback-for-dollar match on all money again earned in your first yr.
The Uncover it Money Again Card generally is a nice deal for low spenders as a result of there are not any minimal or most spending limits to earn your money again or your welcome bonus {dollars}.
Among the advantages of the Uncover it Money Again card embrace:
- $0 annual price
- 5% money again on rotating quarterly bonus classes
- 1% money again on all different purchases
- 0% APR for the primary 15 months on purchases and stability transfers
- 25 card designs to select from
The Uncover it card additionally provides a Fraud Legal responsibility Assure, a real-time on/off change for the cardboard on the app or the web site, and 24/7 U.S.-based customer support.
And there’s no restrict on the money again you may earn with the cardboard or with the welcome bonus.
Bonus: Try the Uncover it Pupil Money Again card for the coed in your loved ones.
7. U.S. Financial institution Money Plus Card
Welcome bonus: $200 after you spend $1000 in eligible purchases inside the first 120 days of account opening
The U.S. Financial institution Money Plus Card provides an internet credit score utility that offers you a credit score determination in as little as 60 seconds. Different advantages embrace:
- $0 annual price
- 5% money again in two classes of your selecting
- 2% money again on one on a regular basis class similar to gasoline or eating places
- 1% money again on all different purchases
Notice that the 5% bonus money again solely applies to your first $2,000 in eligible purchases every quarter.
Nevertheless, you’ll additionally earn 5% money again on journey purchases made by means of US Financial institution’s Rewards Journey Heart.
The cardboard’s ExtendPay function means that you can lengthen purchases into reasonably priced month-to-month funds. You received’t pay curiosity for this function, however there will probably be a month-to-month service price utilized to your ExtendPay stability.
8. Chase Freedom Flex
Welcome bonus: $200 bonus with $500 in purchases within the first three months and 5% money again in quarterly bonus classes as much as $1500 per quarter.
The Chase Freedom Flex card carries a $0 annual price and comes with a number of money again and different advantages.
- 5% money again on as much as $1500 in mixed purchases on quarterly bonus classes
- 5% money again on journey bought by means of the Chase Final Rewards program
- 3% money again on eating, together with takeout and eligible supply providers
- 3% money again at drugstores
- 1.0% money again on all different purchases
- Annual price: $0
The welcome bonus is simply obtainable to new card members who wouldn’t have the Chase Freedom Limitless card and haven’t acquired a welcome bonus for this card inside the final 24 months.
With the Chase Freedom Flex card, your rewards don’t expire so long as your account is open. As well as, there’s no minimal to redeem your rewards.
9. Citi Customized Money Card
Welcome bonus: Earn $200 whenever you spend $1,500 on the cardboard within the first six months
Citi’s Customized Money Card is one among many Citi rewards playing cards, however this explicit card is particularly engaging to low spenders.
Advantages of this card embrace:
- $0 annual price
- 5% money again in your highest eligible spending class on as much as $500 spent per thirty days.
- 1% money again on each different eligible buy, limitless
- 0% APR for the primary 15 months
- 0% APR on stability transfers for the primary 15 months, so long as these transfers are made inside 4 months of opening the cardboard
Notice that the 5% money again bonus is proscribed to particular classes however does embrace eating places, gasoline stations, and grocery shops.
Tip: Try the Citi Double Money card if you wish to earn a straight 2% money again on all purchases.
10. Uncover it Miles
Welcome bonus: Limitless match on all miles you earn within the first yr, no minimal spending requirement
The Uncover it Miles bank card is one other nice card for low spenders who prefer to journey. Among the advantages of this card embrace:
- 1.5 miles earned for each $1 bought on all the things day by day
- Redeem miles as an announcement credit score for journey
- Journey contains airfare, motels, gasoline stations, eating places, and extra
- No blackout dates
- $0 annual price
- APR primarily based on creditworthiness
Your Uncover it Miles rewards miles may also be redeemed for Amazon.com purchases, PayPal purchases, or for money. Additionally, rewards may be redeemed beginning at one mile, and miles by no means expire.
Closing Ideas
As you may see, there are various nice rewards bank cards that cater to low spenders, with no annual charges, beneficiant welcome bonuses, and money again charges as excessive as 5%.
For those who’re struggling to resolve on a card, attempt to slender down your alternative to a few or 4 playing cards that greatest align together with your spending habits. Additionally, be conscious of the spending maximums in numerous classes, as which will have an effect on the rewards you may earn.
