other select purchases. Cardmembers also receive preferred boarding, a free checked bag, a $25 credit for inflight Wi-Fi purchases and more. The card has an annual fee of $99.
Capital One
Capital One® SavorOne® Cash Rewards Credit Card
Welcome offer: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first three months from account opening.
The SavorOne card earns 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target), and 1% on all other purchases. The card has no annual fee.
Apply here: Capital One SavorOne Cash Rewards
Capital One® Quicksilver® Cash Rewards Credit Card
Welcome offer: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first three months from account opening.
The Quicksilver card earns unlimited 1.5% cash back on every purchase, every day. The card has no annual fee.
Apply here: Capital One Quicksilver Cash Rewards
Discover
Discover it® Cash Back
Welcome offer: Discover will match all the cash back you’ve earned at the end of your first year, automatically.
The Discover it Cash Back card earns 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases. The card has no annual fee.
Apply here: Discover it Cash Back
Hilton Honors American Express Card
Welcome offer: Earn 80,000 Hilton Honors bonus points after you spend $1,000 in purchases on the card within your first three months of card membership.
The Hilton Honors card earns 7x points on eligible purchases within the Hilton portfolio, 5x points at U.S. supermarkets, U.S. restaurants and U.S. gas stations and 3x points on all other eligible purchases. The card has no annual fee (see rates and fees).
Apply here: Hilton Honors American Express Card
New Chase Freedom Flex℠
Welcome offer: Earn a $200 bonus after you spend $500 on purchases in the first three months from account opening.
The Freedom Flex card earns 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back on dining (including takeout and delivery) and drugstores, and 1% cash back on all other purchases. The card has no annual fee.
Apply here: Chase Freedom Flex
Wells Fargo
Wells Fargo Active Cash℠ Card
Welcome offer: Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first three months.
The Active Cash card earns unlimited 2% cash rewards on purchases. The card has no annual fee.
Apply here: Wells Fargo Active Cash
Wells Fargo Cash Wise Visa® card
Welcome offer: Earn a $150 cash rewards bonus after spending $500 in purchases in the first three months.
The Cash Wise card earns 1.5% cash rewards on purchases, with an additional 1.8% cash rewards on digital wallet purchases for the first 12 months. The card has no annual fee.
Apply here: Wells Fargo Cash Wise
Final thoughts
Regardless of your financial situation, there are plenty of credit card welcome offers available that require minimal spending to earn a substantial bonus. By taking advantage of these offers and strategically using your points and miles, you can still enjoy free travel and other perks without breaking the bank.
It’s important to remember to always pay off your credit card balances in full each month to avoid accruing interest charges and to keep your credit score healthy. Additionally, make sure to read the terms and conditions of each offer carefully to ensure you meet all requirements to receive the bonus.
With a little bit of planning and smart spending, you can start earning points and miles towards your next vacation or other rewards, even with a limited budget. So don’t let the fear of high spending requirements hold you back from participating in the points and miles hobby — there are options available for everyone, no matter their income level.