Credit card sign-up bonuses you can earn with $1,000 or less in spending

Jun 6, 2022

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One of the biggest reasons I hear for people not participating in the points and miles hobby is that they don’t spend enough money to earn the big bonuses offered by the most popular credit cards. And let’s be honest: Some of our favorite cards definitely require a lot of spending — several thousand dollars in some cases — to earn the huge welcome offers they extend. Are they worth it? Definitely. But only if the spending is within your abilities.

What about consumers whose spending habits are more modest, though? Can they still earn enough points and miles for a free vacation when they have less disposable income? Absolutely!

Students, retirees, those on a fixed income and people who don’t have many expenses each month still have an extensive number of excellent credit card welcome offers available to them. What’s more, some of these can even be achieved with a single purchase.

Here are some of the best current welcome offers you can earn by spending $1,000 or less within a few months.

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In This Post

American Express

two women on a sofa chat while one uses a laptop and the other writes in a notebook; there are American Express posters on the wall behind them
(Photo courtesy of American Express)

Delta SkyMiles® Blue American Express Card

Welcome offer: Earn 10,000 bonus Delta SkyMiles after spending $500 on purchases on your new card in your first three months after account opening.

The Delta SkyMiles Blue card earns 2 miles per dollar spent with Delta, 2 miles per dollar at restaurants worldwide, 2 miles per dollar on takeout and delivery in the U.S. and 1 mile per dollar on all other purchases. The card’s annual fee is $0 (see rates and fees).

Delta SkyMiles® Gold American Express Card

Welcome offer: Earn 40,000 bonus miles after you spend $1,000 in purchases on your new Card in your first three months of account opening.

The Delta SkyMiles Gold card earns 2 miles per dollar spent with Delta, 2 miles per dollar on dining at restaurants worldwide and on takeout and delivery in the U.S., 2 miles per dollar on groceries at U.S. supermarkets and 1 mile per dollar on all other purchases. The card has an introductory annual fee of $0 during the first year, then $99 each year thereafter (see rates and fees).

Hilton Honors American Express Card

Welcome offer: Earn 80,000 bonus points after you spend $1,000 in purchases on the card in the first three months of card membership.

The Hilton Honors card earns 7 points per dollar spent with Hilton, 5 points per dollar on dining in the U.S. (including takeout and delivery), 5 points per dollar at U.S. supermarkets, 5 points per dollar spent at U.S. gas stations and 3 points per dollar on all other eligible purchases. The card’s annual fee is $0 (see rates and fees).

Bank of America

a man stands at a bank of Bank of America ATMs
(Photo by David McNew/Getty Images)

Allegiant World Mastercard®

Welcome offer: Earn 15,000 Allways Rewards bonus points after you make $1,000 or more in purchases within the first 90 days of account opening. That’s equivalent to $150 off a future Allegiant trip.

The Allegiant card earns 3 points per dollar spent on Allegiant purchases (including air, hotel, car rental and attractions partners), 2 points per dollar on qualifying dining purchases and 1 point per dollar on all other purchases. The card has a $59 annual fee.

BankAmericard® credit card

Welcome offer: Earn a $100 statement credit after making at least $1,000 in purchases in the first 90 days of your account opening.

New cardmembers also enjoy a 0% introductory APR on purchases for the first 18 billing cycles and on balance transfers made within the first 60 days of account opening. Thereafter, a variable APR of 15.24%-25.24% will apply. A 3% fee (min $10) applies to all balance transfers.

The BankAmericard doesn’t offer ongoing rewards or earn cash back. Its main feature is the introductory APR and lack of penalty APR for late payments, both of which can be helpful for financing large purchases or paying down debt. The card has no annual fee.

BankAmericard® Credit Card for Students

Welcome offer: Earn a $100 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.

New cardmembers also enjoy an introductory 0% APR on purchases for the first 18 billing cycles and on balance transfers made within the first 60 days of account opening. Thereafter, a variable APR of 13.74% to 23.74% will apply.

The BankAmericard for Students also has the same lack of earnings and the same APR offerings as the BankAmericard above. The card has no annual fee.

The information for the BankAmericard for Students card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Bank of America® Customized Cash Rewards credit card

Welcome offer: Earn a $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.

New cardmembers also enjoy a 0% introductory  APR on purchases for the first 15 billing cycles and on balance transfers made within the first 60 days of account opening. Thereafter, a variable APR of 16.24%-26.24% will apply.

The Customized Cash Rewards card earns 3% cash back in the category of your choice: dining, drug stores, gas, home improvement/furnishings, online shopping or travel. Cardmembers also earn 2% back at grocery stores and wholesale clubs and 1% back on all other purchases. The 3% and 2% earning categories are limited to your first $2,500 in combined spending in these categories each quarter. Bank of America Preferred Rewards members will earn their respective boosted earning rates. The card has no annual fee.

Bank of America® Customized Cash Rewards Credit Card for Students

Welcome offer: Earn a $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.

The Customized Cash Rewards for Students card earns 3% cash back in the category of your choice: dining, drug stores, gas, home improvement/furnishings, online shopping or travel. Cardmembers also earn 2% back at grocery stores and wholesale clubs and 1% back on all other purchases. The 3% and 2% earning categories are limited to your first $2,500 in combined spending in these categories each quarter. Bank of America Preferred Rewards members will earn their respective boosted earning rates. The card has no annual fee.

The information for the Customized Cash Rewards for Students card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

a family stands with their luggage in shadows near a wall of windows looking out at a plane flying
(Photo by Nadezhda1906/Getty Images)

Bank of America® Travel Rewards credit card

Welcome offer: Earn 25,000 Bank of America Premium Rewards bonus points if you make purchases of $1,000 or more on your new card within 90 days of account opening.

New cardmembers also enjoy a 0% introductory APR on purchases for the first 15 billing cycles. Thereafter, a variable APR of 16.24%-26.24% variable APR will apply.

The Travel Rewards card earns 1.5 points per dollar on all purchases. Bank of America Preferred Rewards members will earn their respective boosted earning rates. The card has no annual fee.

Bank of America® Travel Rewards Credit Card for Students

Welcome offer: Earn 25,000 Premium Rewards bonus points if you make purchases of $1,000 or more on your new card within 90 days of account opening.

New cardmembers also enjoy an introductory 0% APR on purchases for the first 15 billing cycles. Thereafter, a variable APR of 14.74% to 24.74% will apply.

The Travel Rewards for Student card earns 1.5 points per dollar on all purchases. The card has no annual fee.

The information for the Travel Rewards for Students card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Bank of America® Unlimited Cash Rewards credit card

Welcome offer: Earn a $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.

New cardmembers also enjoy an 0% introductory APR on purchases for the first 15 billing cycles and on balance transfers made within the first 60 days of account opening. Thereafter, a variable APR of 16.24%-26.24% will apply. A 3% fee (min $10) applies to all balance transfers.

The Unlimited Cash Rewards card earns 1.5% cash back on all purchases. Bank of America Preferred Rewards members will earn their respective boosted earning rates. The card has no annual fee.

Bank of America® Unlimited Cash Rewards Credit Card for Students

Welcome offer: Earn a $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.

New cardmembers also enjoy an introductory 0% APR on purchases for the first 15 billing cycles and on balance transfers made within the first 60 days of account opening. Thereafter, a variable APR of 14.74% to 24.74% will apply. A 3% fee (min $10) applies to all balance transfers.

The Unlimited Cash Rewards for Students card earns 1.5% cash back on all purchases. Bank of America Preferred Rewards members will earn their respective boosted earning rates. The card has no annual fee.

The information for the Unlimited Cash Rewards for Students card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Free Spirit® Travel More World Elite Mastercard®

Welcome offer: Earn 60,000 Free Spirit bonus points plus a $100 Companion Flight Voucher after making at least $1,000 in purchases within the first 90 days of account opening.

The Free Spirit card earns 3 points per dollar spent on eligible Spirit purchases, 2 points per dollar on eligible dining and grocery store purchases and 1 point per dollar on all other purchases. Cardmembers also receive a $100 Companion Flight Voucher on each card anniversary if they made at least $5,000 in purchases on the card in the previous cardmember year. The Free Spirit card also offers World Elite Mastercard perks. The card has an introductory fee of $0 during the first year, then $79 thereafter.

Susan G. Komen® Customized Cash Rewards Visa® credit card from Bank of America

Welcome offer: Earn a $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.

New cardmembers also enjoy an introductory 0% APR on purchases for the first 15 billing cycles and on balance transfers made within the first 60 days of account opening. Thereafter, a variable APR of 14.74% to 24.74% will apply.

The Susan G. Komen Customized Cash Rewards card earns 3% cash back in the category of your choice: dining, drug stores, gas, home improvement/furnishings, online shopping or travel. Cardmembers also earn 2% back at grocery stores and wholesale clubs and 1% back on all other purchases. The 3% and 2% earning categories are limited to your first $2,500 in combined spending in these categories each quarter. Bank of America Preferred Rewards members will earn their respective boosted earning rates. The card has no annual fee.

The information for the Susan G. Komen Customized Cash Rewards card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Barclays

people can be seen walking on the sidewalk in front of a Barclays bank office
(Photo by Chris Ratcliffe/Bloomberg/Getty Images)

AAdvantage® Aviator® Red World Elite Mastercard®

Welcome offer: Earn 60,000 AAdvantage® bonus miles after making your first purchase and paying the $99 annual fee in full, both within the first 90 days.

The Aviator Red card earns 2 miles per dollar spent with American Airlines and 1 mile per dollar on all other purchases. Cardmembers also earn 1 Loyalty Point toward American Airlines AAdvantage elite status per dollar spent with the card. The card also has World Elite Mastercard benefits.

The information for the Aviator Red card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

The AARP® Essential Rewards Mastercard® from Barclays

Welcome offer: Earn a $100 Cash Back Bonus after spending $500 on purchases in the first 90 days.

The AARP Essential Rewards card earns 3% cash back on gas and drug store purchases (excluding Target and Walmart), 2% back on eligible medical expenses and 1% back on all other purchases. Additionally, Barclays will donate $10 to the AARP Foundation for every new account opened, plus a further donation of 1% of all eligible purchase amounts. The card has no annual fee.

The information for the AARP Essential Rewards card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

The AARP® Travel Rewards Mastercard® from Barclays

Welcome offer: Earn a $200 cash-back bonus after spending $1,000 on purchases in the first 90 days.

The AARP Travel Rewards card earns 3% cash back on airfare, hotel stays and car rentals, 2% cash back on restaurant purchases and 1% cash back on all other purchases. Additionally, Barclays will donate $10 to the AARP Foundation for every new account opened, plus a further donation of 1% of all eligible purchase amounts. The card has no annual fee.

The information for the AARP Travel Rewards card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Carnival® World Mastercard®

Welcome offer: Earn 20,000 Carnival FunPoints® after your first purchase or balance transfer, worth $200 toward your next cruise.

New cardmembers can also enjoy a 0% introductory APR for Carnival bookings within the first 6 months (then a variable APR of 15.24%, 21.25% or 25.24%). New cardmembers can also enjoy a 0% introductory APR for 15 months on balance transfers made within 45 days of account opening. After 15 months, a variable APR of 15.74%, 21.74% or 25.74% will apply.

The Carnival card earns 2 FunPoints per dollar spent with Carnival and with the World’s Leading Cruise Lines and 1 FunPoint per dollar spent on all other purchases. You can also earn 1 FunPoint per dollar on balance transfers made within the first 30 days of account membership, up to a maximum of 5,000 FunPoints. You can also receive 10% back as a statement credit when using your card to pay for a Carnival shore excursion. The card has no annual fee.

The information for the Carnival card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Choice Privileges® Visa Signature® Card

Welcome offer: Earn 32,000 Choice Privileges bonus points after spending $1,000 on purchases in the first 90 days.

New cardmembers can also enjoy a 0% introductory APR for 15 months on balance transfers made within 45 days of account opening. After 15 months, a variable APR of 16.49%, 20.74% or 25.74% will apply.

The Choice Privileges card earns 5 points per dollar at Choice hotels and 2 points per dollar on all other purchases. Cardmembers also receive 8,000 bonus points on their cardmember anniversary after spending $10,000 or more on the card during the previous year. The card has no annual fee.

The information for the Choice Privileges card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

close-up of a Frontier plane with the logo on the side
(Photo by Zach Griff/The Points Guy)

Frontier Airlines World Mastercard®

Welcome offer: Earn 50,000 bonus Frontier miles plus a $100 flight voucher after spending $500 on purchases and paying the annual fee in full, both within the first 90 days.

The Frontier Airlines card earns 5 miles per dollar on Frontier purchases made at flyfrontier.com, 3 points per dollar at restaurants and 1 mile per dollar on all other purchases. Cardmembers also earn 1 Qualifying Mile toward Frontier Airlines elite status with each dollar spent on the card. Card membership also unlocks the ability to share miles with friends and family, plus a $100 flight voucher on each cardmember anniversary if you spend $2,500 or more on the card over the course of the year. The card has an $89 annual fee.

The information for the Frontier Airlines card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Holland America Line Rewards Visa® Card

Welcome offer: Earn 5,000 Holland America Rewards points after your first purchase on the card, which is worth $50 in onboard ship credit.

The Holland America card earns 2 points per dollar spent on Holland America purchases, including onboard purchases, and 1 point per dollar on all other purchases. The card has no annual fee.

The information for the Holland America card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

JetBlue Card

Welcome offer: Earn 10,000 bonus JetBlue TrueBlue points after spending $1,000 on purchases in the first 90 days

3 points per dollar on JetBlue purchases, 2 points per dollar at restaurants and eligible grocery stores and 1 point per dollar on all other purchases. Cardmembers also receive 50% inflight savings on food and cocktail purchases. The card has no annual fee.

The information for the JetBlue Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

JetBlue Plus Card

Welcome offer: Earn 50,000 bonus TrueBlue points after spending $1,000 on purchases and paying the annual fee in full, both within the first 90 days of account opening.

The JetBlue Plus card earns 6 points per dollar on JetBlue purchases, 2 points per dollar at restaurants and grocery stores and 1 point per dollar on all other purchases. You also receive 5,000 bonus points each year on your account anniversary. The card has a $99 annual fee.

The information for the JetBlue Plus card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Priceline VIP Rewards™ Visa® Card

Welcome offer: Earn 10,000 bonus points if you spend $1,000 on purchases in the first 90 days after account opening.

The Priceline VIP card earns 5 points per dollar spent on Priceline bookings, 2 points per dollar on gas and restaurant purchases (including delivery services) and 1 point per dollar on all other purchases. Cardmembers also receive automatic VIP Gold Status with Priceline. The card has no annual fee.

The information for the Priceline VIP card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

The Royal Princess cruise ship sits near glaciers
The Royal Princess in Glacier Bay, Alaska. (Photo courtesy of Princess Cruises)

Princess Cruises® Rewards Visa® Card

Welcome offer: Earn 10,000 Captain’s Circle bonus points after you use your card for the first time.

The Princess Cruises card earns 2 points per dollar spent on all Princess Cruises purchases, including onboard purchases, and 1 point per dollar on all other purchases. The card has no annual fee.

The information for the Princess Cruises card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Upromise® Mastercard®

Welcome offer: Earn $100 bonus cash back rewards after spending $500 on purchases in the first 90 days.

The Upromise card earns 1.529% cash back on purchases if your Upromise Program account is linked to an eligible College Savings Plan. If it’s not linked, you will earn 1.25% back on purchases. You can also choose to round up your purchases by a set amount, which will be converted to cash-back rewards. The card has no annual fee.

The information for the Upromise card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Wyndham Rewards Earner® Card

Welcome offer: Earn 30,000 bonus Wyndham Rewards points after spending $1,000 on purchases in the first 90 days.

The Wyndham Rewards Earner® Card earns 5 points per dollar spent with Wyndham hotels, 5 points per dollar on gas, 2 points per dollar on dining and grocery store purchases (excluding Target and Walmart) and 1 point per dollar on all other purchases. The card also offers automatic Wyndham Rewards Gold status and an annual bonus of 7,500 points on your cardmember anniversary if you spend $15,000 or more on the card within your anniversary year. The card has no annual fee.

The information for the Wyndham Rewards Earner Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer. 

Wyndham Rewards Earner® Business Card

Welcome offer: Earn 65,000 bonus points after spending $1,000 in the first 90 days, and earn 10,000 bonus points after a purchase is made on an employee card. 

The Wyndham Rewards Business card earns 8 points per dollar on spending with Wyndham, 5 points per dollar on marketing, advertising and utility purchases and 1 point per dollar on all other purchases. The card provides automatic top-tier Diamond status in the Wyndham Rewards program and has a $95 annual fee.

The information for the Wyndham Rewards Business card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Wyndham Rewards Earner® Plus Card

Welcome offer: Earn 45,000 bonus points after spending $1,000 on purchases in the first 90 days.

The Wyndham Rewards Earner® Plus Card earns 6 points per dollar spent at Wyndham hotels, 6 points per dollar on gas, 4 points per dollar on dining and grocery purchases (excluding Target and Walmart) and 1 point per dollar on all other purchases. The card also offers automatic Platinum status with Wyndham Rewards and an anniversary bonus of 7,500 points each year. The card has a $75 annual fee.

The information for the Wyndham Rewards Earner Plus Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer. 

Capital One

multiple hands hold different Capital One credit cards against an orange background
(Photo by The Points Guy)

Capital One SavorOne Cash Rewards Credit Card

Welcome offer: Earn a one-time $200 cash bonus once you spend $500 on purchases within the first three months from account opening.

New cardmembers also enjoy an introductory 0% APR on purchases and balance transfers for the first 15 months after account opening. Thereafter, a variable APR of 16.49% to 26.49% will apply. There’s a 3% balance transfer fee.

The SavorOne card earns 3% cash back on dining, entertainment, select streaming services and at grocery stores and 1% back on all other purchases. The card has no annual fee.

Capital One SavorOne Student Cash Rewards Credit Card

Welcome offer: Earn a one-time $100 cash bonus once you spend $100 on purchases within the first three months from account opening.

The SavorOne Student card earns 3% cash back on dining, entertainment, select streaming services and at grocery stores and 1% back on all other purchases. The card has no annual fee.

Capital One Quicksilver Cash Rewards Credit Card

Welcome offer: Earn a one-time $200 cash bonus once you spend $500 on purchases within the first three months from account opening.

New cardmembers also enjoy an introductory 0% APR on purchases and balance transfers for the first 15 months after account opening. Thereafter, a variable APR of 16.49%-26.49% will apply, and 3% fee on the amount transferred within the first 15 months.

The Quicksilver card earns 1.5% cash back on all purchases. The card has no annual fee.

Capital One  Quicksilver Student Cash Rewards Credit Card

Welcome offer: Earn a one-time $100 cash bonus once you spend $100 on purchases within the first three months from account opening.

The Quicksilver Student card earns 1.5% cash back on all purchases. The card has no annual fee.

Capital One VentureOne Rewards Credit Card

Welcome offer: Earn 20,000 bonus Capital One miles once you spend $500 on purchases within the first three months from account opening.

New cardmembers also enjoy an introductory 0% APR on purchases and balance transfers for the first 15 months after account opening. Thereafter, a variable APR of 16.49% to 26.49% will apply, and 3% fee on the amounts transferred within the first 15 months.

The VentureOne card earns 5 miles per dollar on hotels and rental cars booked with Capital One Travel and 1.25 miles per dollar on other purchases. It has no annual fee.

Chase

The logo of Chase bank is seen in a branch near Times Square in Manhattan on June 30, 2020 in New York City. (Photo by Johannes EISELE / AFP) (Photo by JOHANNES EISELE/AFP via Getty Images)
(Photo by Johannes Eisele/AFP via Getty Images)

Chase Freedom Flex

Welcome offer: Earn a $200 bonus after you spend $500 on purchases in the first three months from account opening.

New cardmembers also enjoy an introductory 0% APR on purchases and balance transfers for the first 15 months after account opening. Thereafter, a variable APR of 16.49% – 25.24% will apply.

The Freedom Flex card earns 5% back on rotating quarterly categories (on up to $1,500 spending in these categories each quarter), 5% back on travel booked through the Chase Ultimate Rewards portal, 3% back on dining at restaurants — including takeout and delivery services — 3% back at drug stores and 1 % on all other purchases. Cardholders also earn 5% back on gas station purchases on up to $6,000 of spending in the first year of card membership. The card has no annual fee.

Chase Freedom® Student credit card

Welcome offer: Earn a $50 bonus after your first purchase on the card within three months of account opening.

The Freedom Student card earns 1% cash back on all purchases, and cardmembers receive a $20 Good Standing bonus on each account anniversary for up to five years. The card has no annual fee.

Chase Freedom Unlimited

Welcome offer: Earn an additional 1.5% on all purchases up to $20,000 spent in the first year.

New cardmembers also enjoy an introductory 0% APR on purchases and balance transfers for the first 15 months after account opening. Thereafter, a variable APR of 16.49% – 25.24% will apply.

The Freedom Unlimited card earns 5% back on travel booked through the Chase Ultimate Rewards portal, 3% back on dining at restaurants — including takeout and delivery services — 3% back at drug stores and 1.5% on all other purchases. Cardholders also earn 5% back on gas station purchases on up to $6,000 of spending in the first year of card membership. The card has no annual fee.

Related: TPG reader question: How do I turn my Freedom and Ink cash back into Chase Ultimate Rewards?

Disney Visa Card

Welcome offer: Earn a $150 statement credit after spending $500 on your card within three months of account opening.

New cardmembers also enjoy an introductory 0% APR on Disney vacation packages for the first six months after account opening. Thereafter, a variable APR of 14.74% to 23.74% will apply.

The Disney card provides 10% in savings on select purchases from shopdisney.com and 10% in savings on select merchandise purchases of $50 or more at Disneyland and Walt Disney World. Cardholders also earn 1% in Disney Rewards Dollars on all purchases. The card has no annual fee.

The information for the Disney card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Disney Premier Visa Card

Welcome offer: Earn a $300 statement credit after spending $1,000 on your card within three months of account opening.

New cardmembers also enjoy an introductory 0% APR on Disney vacation packages for the first six months after account opening. Thereafter, a variable APR of 14.74% to 23.74% will apply.

The Disney Premier card provides 10% in savings on select purchases from shopdisney.com and 10% in savings on select merchandise purchases of $50 or more at Disneyland and Walt Disney World. Cardholders also earn 5% in Disney Rewards Dollars on purchases from disneyplus.com, hulu.com or espnplus.com, 2% in Disney Rewards Dollars on purchases at grocery stores, restaurants, gas stations and most Disney locations and 1% on all other purchases. The annual fee on the card is $49.

The information for the Disney Premier card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

United Gateway Card

Welcome offer: Earn 20,000 bonus miles after you spend $1,000 on purchases in the first three months your account is open.

New cardmembers also enjoy an introductory 0% APR on purchases for the first 12 months after account opening. Thereafter, a variable APR of 17.99% to 24.99% will apply.

The United Gateway card earns earns 2 miles per dollar spent on United purchases, 2 miles per dollar at gas stations, 2 miles per dollar on transit and commuting — including ride-share services, taxis, train tickets, tolls and mass transit — and 1 mile per dollar on all other purchases. The card has no annual fee.

Citi

a close-up picture of a Citibank logo on the corner of a building
(Photo by Wyatt Smith/The Points Guy)

American Airlines AAdvantage MileUp℠ Card

Welcome offer: Earn 10,000 bonus American Airlines miles and receive a $50 statement credit after making $500 in purchases within the first three months of account opening.

The MileUp card earns 2 miles per dollar spent with American Airlines, 2 miles per dollar at grocery stores (including delivery) and 1 mile per dollar on all other purchases. Cardmembers also earn 1 Loyalty Point toward American Airlines AAdvantage elite status per dollar spent on the card. The card has no annual fee.

Citi Custom Cash℠ Card

Welcome offer: Earn $200 cash back after you spend $750 on purchases in the first three months after account opening.

New cardmembers also enjoy an introductory 0% APR on purchases and balance transfers for the first 15 months after account opening. Thereafter, a variable APR of 16.24% to 26.24% will apply.

The Custom Cash card earns 5% cash back on the first $500 spent in your top spending category each month, then 1% — plus 1% back on all other purchases. Eligible categories are: restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment. The card has no annual fee.

PNC

Automated teller machines (ATM) at a PNC Bank branch in Washington, D.C., U.S., on Friday, Jan. 8, 2021. PNC Financial Services Group Inc. is scheduled to release earnings figures on January 15.
(Photo by Stefani Reynolds/Bloomberg via Getty Images)

PNC Cash Rewards® Visa® Credit Card

Welcome offer: You can earn a $200 bonus after spending $1,000 on your card in the first three billing cycles as a new cardmember.

The PNC Cash Rewards card offers 4% cash back on gas station purchases, 3% back on dining and 2% back on grocery store purchases — limited to the first $8,000 in combined purchases in these categories each cardmember year. You’ll also earn 1% cash back on all other purchases. The card has no annual fee.

The information for the PNC Cash Rewards card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

U.S. Bank

a view looking up at a US Bank logo on a tall glass building
(Photo by George Frey/Bloomberg via Getty Images)

U.S. Bank Altitude® Go Visa Signature® Card

Welcome offer:  Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening

New cardmembers also enjoy an introductory 0% APR on purchases and balance transfers in the first 12 billing cycles. Thereafter, the variable APR is 17.24% to 26.24%.

The Altitude Go card earns 4 points per dollar on dining, takeout and restaurant delivery, 2 points per dollar at grocery stores, grocery delivery, streaming services, gas stations and EV charging stations and 1 point per dollar on eligible  purchases. The card has no annual fee.

U.S. Bank Cash+® Visa Signature® Card

Welcome offer: Earn a $200 rewards bonus after you apply online and spend $1,000 in eligible purchases within the first 120 days of account opening.

New cardmembers also enjoy an introductory 0% APR on purchases and balance transfers in the first 15 billing cycles. Thereafter, the variable APR is 16.74% to 26.74%.

The Cash+ Visa card earns 5% cash back on your first $2,000 in combined purchases each quarter on two categories that you choose, 2% cash back on one category of your choosing and 1% cash back on all other purchases. Eligible 5% categories include furniture stores, electronic stores, department stores, select clothing stores, sporting goods stores, home utilities, cell phone providers, gyms/fitness centers, ground transportation, movie theaters, fast food and TV, internet and streaming services. Eligible 2% categories including grocery stores and grocery delivery, restaurants or gas stations and EV charging stations. The card has no annual fee.

Related: U.S. Bank Cash+ Visa Signature Card review: Choose your own 5% cash-back categories

Wells Fargo

The Wells Fargo logo is clearly visible on the side of a brick building
(Photo by Wyatt Smith/The Points Guy)

Hotels.com® Rewards Visa® Credit Card (see rates and fees)

Welcome offer: Limited Time Offer! Get 3 reward nights worth $375 total (max $125 per night)* with qualifying purchases. Get 2 rewards nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first three months. Plus, get another rewards night worth $125 when you spend $4,000 in total purchases within the first six months. *Excludes taxes and fees. If a night costs less than $125, you won’t get the difference.

The Hotels.com Rewards card earns 1 stamp after every $500 spent on the card (10 stamps = 1 reward night worth $110). The card has no annual fee (see rates and fees).

Wells Fargo Active Cash® Card (see rates and fees)

Welcome offer: Earn a $200 cash rewards bonus when you make $1,000 in purchases in the first three months after opening your new card.

New cardmembers also enjoy an introductory 0% APR on purchases and qualifying balance transfers in the first 15 months from account opening. Thereafter, the variable APR is 17.24%, 22.24%, or 27.24%.

The Active Cash card earns 2% cash rewards on purchases. The card has no annual fee (see rates and fees).

The information for the Wells Fargo Active Cash Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer. 

Bottom line

a family pushes a luggage cart with multiple suitcases as they enter an airport with the child sitting on the pile of luggage
(Photo by Westend61/Getty)

When I decided to write this article, I didn’t expect to find nearly as many options for cards with great welcome offers but low spending requirements as I ended up finding. And this doesn’t include options that may be available at regional banks where you live. This just goes to show that there are numerous sign-up bonuses you can achieve without spending a lot of money.

All of these bonuses are available by spending $1,000 or less. If you’re a student, only working part-time or otherwise have limited income, some of these bonuses might be within your reach. This will help you to earn valuable points and miles for travel.

For further reading on related topics, see the following:

For Delta SkyMiles Blue Amex rates and fees, click here.
For Delta SkyMiles Gold rates and fees, click here.
For Hilton Honors Amex rates and fees, click here.
For Hotels.com Visa rates and fees, click here.
For Wells Fargo Active Cash rates and fees, click here.

Featured photo by Westend61/Getty.

Updated on 7/6/22.

Citi Premier® Card

This card offers a 80,000-point bonus after spending $4,000 in the first three months. Plus, earn 3 ThankYou points per $1 at gas stations, restaurants, supermarkets and on air travel and hotels. 1 ThankYou point per $1 on all other purchases.

Apply Now
More Things to Know
  • For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
Regular APR
18.24% - 26.24% (Variable)
Annual Fee
$95
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Recommended Credit
Excellent, Good

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.