Recently the Well Traveled Mile received a question from a reader asking about some ways to meet the minimum spend for the Southwest Rapid Rewards 50,000 point sign up bonus. Since the reader had signed up for a couple other offers, he was worried that he would not be able to meet the minimum spend of $2,000 in the first 90 days on one of the cards.
I have found myself in this situation before, so I decided to put together some powerful ways to meet the minimum spend.
The first obvious way to do this is to use the credit card for every kind of payment! Use this new card for everyday purchases until the minimum spend is met. If you normally use a few different reward cards to earn the maximum points for certain purchases you can find a balance between using those and using your new card to meet the spend.
The following are possible ways to meet the minimum spending requirement that are realistic and everyday purchases already. By using your credit card to pay for these you will be surprised at how fast you can reach a minimum spend. Autopay is common and sometime I forget that I have a different card enrolled for the program, so make sure to set it for the card you are needing the minimum spend if you use it.
Ways To Complete Your Credit Card Minimum Spending Requirements:
Dining. Everywhere you eat, every time.
Insurance. Use a credit card to pay for all of your insurance – auto, homeowners, medical, or renter’s insurance. Considering paying in advance for a few extra months if you need to add some spending.
Groceries. Use your credit card to pay for all your groceries. If you are getting close to the end of the 90 days, consider buying grocery gift cards that you can use to buy groceries in the coming months.
Gas. Always pay using your credit card.
Toll Transponders. Do you have an automated toll transponder in your car ?(K-Tag, FastTrak, I-Pass etc.) You may be able to reload additional dollars to you toll account with your credit card.
Cellphone/Cable/Internet. Simple. Pay all of these by credit card.
Pay Bills. Pay all of your gas, electricity, trash, and other utilities on credit cards if you are not charged a fee to pay by credit card.
Netflix/Hulu/Spotify. Pay for your Netflix, Hulu, Pandora/Spotify subscriptions using a credit card.
Pre-paid gas cards. A great way to add some spending in the first 90 days and use them in the coming months.
Business Travel. Why not rack up some extra miles without even spending your own money! If you travel on business and your employer is willing to reimburse your expenses from a personal credit card, then this is a great way to earn miles and meet the minimum spend.
Gym Membership. Pay for your membership on credit card. Maybe even prepay for a year if your gym offers a discount to do so and you can afford to pay it off at the end of the month.
Car Repairs. Pay for all oil changes, services, and repairs on a card. Although it is a good idea to ask if your mechanic offers discounts to pay in cash, mine regularly gives a 5% discount to pay in cash to avoid the fees on his end of accepting payment by credit card.
Amazon.com Gift Cards. If you shop on Amazon.com, consider buying gift cards to use on future purchases (gift cards never expire).
Holiday and Birthday Gifts. Consider buying birthday and holiday gifts in advance. If you can’t decide what gifts to get, stock up on either store gift cards or American Express gift cards to use later.
Add Your Partner Or Children as Additional Card Users. Add your partner and/or children as additional card users and have them put all of their expenses on the card. Do this at your own risk!
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- Well Traveled Mile