10 Finest Credit score Playing cards for Low Spenders

10 Finest Credit score Playing cards for Low Spenders


Do you’re keen on getting bank card bonuses however don’t just like the excessive spending necessities that include many bank card bonus affords? Maybe you need 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 try to be pushed out of the bank card rewards recreation.

On this article, we’re sharing the most effective bank cards for low spenders. The playing cards we’ve chosen supply welcome bonuses and enticing rewards packages, and a few of them additionally seem on our record of the finest money again bank cards.

Desk of Contents
  1. Finest Credit score Playing cards for Low Spenders
    1. 1. Blue Money Most well-liked® Card from American Specific
    2. 2. Capital One VentureOne Rewards
    3. 3. Capital One Quicksilver Money Rewards Credit score Card
    4. 4. Chase Freedom Limitless
    5. 5. Capital One SavorOne Money Rewards Credit score Card
    6. 6. Uncover it Money Again Card
    7. 7. U.S. Financial institution Money Plus Card
    8. 8. Chase Freedom Flex
    9. 9. Citi Customized Money Card
    10. 10. Uncover it Miles
  2. Last Ideas

Finest Credit score Playing cards for Low Spenders

Whether or not you’re a low-spender as a result of it’s important to be or since you need to be, you deserve bank card and checking account bonuses simply the identical. 

The next bank cards supply bonuses for individuals who like to earn and lower your expenses on the similar time. So whether or not you’re after journey advantages, money again, or just the comfort of utilizing a bank card, we’ve received one thing right here for you. 

1. Blue Money Most well-liked® Card from American Specific

Blue Cash Preferred from American ExpressWelcome bonus: $250 assertion credit score after you spend $3,000 in purchases within the first 6 months

The Blue Money Most well-liked® Card from American Specific has an annual price after the primary 12 months, nevertheless it comes with a gorgeous money again rewards program:

  • 6% cashback at supermarkets on $6,000 per 12 months 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 record),
  • 3% cashback at gasoline stations with no restrict,
  • 3% cashback on transit (floor transportation solely),
  • 1% on every thing else with no restrict.

There’s a $0 intro annual price for the primary 12 months, 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 live shows and different occasions. 

2. Capital One VentureOne Rewards

Capital One VentureOne Rewards Credit CardWelcome 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 resorts and rental vehicles booked by means of Capital One Journey and earn limitless 1.25X miles per greenback on each buy, day by day
  • $0 annual price
  • Ebook 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 once they journey.

Different advantages of rewards are that they can be utilized for Amazon purchases, they usually have the potential to be transferred to different journey loyalty packages.  

3. Capital One Quicksilver Money Rewards Credit score Card

Capital One Quicksilver Cash Rewards Credit CardWelcome bonus: $200 Money Again after you spend $500 on purchases inside 3 months from account opening

When you’ve got glorious credit score, the Capital One Quicksilver Rewards card might be best for you. The welcome bonus is simple to earn, and the cardboard affords different advantages as properly.

  • $0 annual price
  • 1.5% cashback on each buy
  • No international transaction charges

With the Quicksilver Rewards card, you possibly can have your rewards despatched by way of test, a credit score to your account, or you should utilize them to get a wide range of retailer present playing cards.

There’s no minimal requirement to redeem your rewards. There’s a Quicksilver Rewards Secured card obtainable as properly, nevertheless it doesn’t embrace a gap bonus as of this writing. 

4. Chase Freedom Limitless

Chase Freedom Unlimited CardWelcome bonus: as much as $300 money again with a further 1.5% money again on every thing you purchase (on as much as $20,000 spent within the first 12 months)

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 just obtainable to new card members who do not need 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

Capital One Savor CardWelcome 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 affords the next options:

  • 3% Money Again on eating, leisure, fashionable streaming companies 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 customers like myself. 

Nevertheless, the three% on leisure makes up for it a bit because it contains a big 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 12 months. 

The Uncover it Money Again Card could be a nice deal for low spenders as a result of there aren’t any minimal or most spending limits to earn your money again or your welcome bonus {dollars}.

A number of 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 steadiness transfers
  • 25 card designs to select from

The Uncover it card additionally affords a Fraud Legal responsibility Assure, a real-time on/off swap 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 possibly can earn with the cardboard or with the welcome bonus.  

Bonus: Take a look at the Uncover it Pupil Money Again card for the coed in your loved ones.

7. U.S. Financial institution Money Plus Card

U.S. Bank Cash+ Visa Signature CardWelcome 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 affords an internet credit score software that provides you with 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 akin 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 Middle. 

The cardboard’s ExtendPay function lets you lengthen purchases into inexpensive 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 steadiness. 

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 companies
  • 3% money again at drugstores
  • 1.0% money again on all different purchases
  • Annual price: $0

The welcome bonus is just obtainable to new card members who do not need 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 while you spend $1,500 on the cardboard within the first six months

Citi’s Customized Money Card is considered one of many Citi rewards playing cards, however this specific card is very enticing 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 30 days.
  • 1% money again on each different eligible buy, limitless
  • 0% APR for the primary 15 months
  • 0% APR on steadiness 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 restricted to particular classes however does embrace eating places, gasoline stations, and grocery shops. 

Tip: Take a look at 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 12 months, no minimal spending requirement

The Uncover it Miles bank card is one other nice card for low spenders who prefer to journey. A number of the advantages of this card embrace:

  • 1.5 miles earned for each $1 bought on every thing day by day
  • Redeem miles as a press release credit score for journey
  • Journey contains airfare, resorts, gasoline stations, eating places, and extra
  • No blackout dates
  • $0 annual price
  • APR primarily based on creditworthiness

Your Uncover it Miles rewards miles can be redeemed for Amazon.com purchases, PayPal purchases, or for money. Additionally, rewards will be redeemed beginning at one mile, and miles by no means expire. 

Last Ideas

As you possibly can see, there are lots of nice rewards bank cards that cater to low spenders, with no annual charges, beneficiant welcome bonuses, and money again charges as excessive as 5%.

In the event you’re struggling to resolve on a card, attempt to slender down your selection to a few or 4 playing cards that finest align along with your spending habits. Additionally, be aware of the spending maximums in numerous classes, as which will have an effect on the rewards you possibly can earn.

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