15 Ways to Hit Credit Card Minimum Spend (Some Are Insane)

Trying to earn a big credit card welcome bonus, but struggling to meet the minimum spending requirement? Whether it's $4,000 in 3 months or something even higher, there are more ways to hit minimum spend than you might think.

In this video, we cover 15 strategies to meet credit card minimum spending requirements in 2026, ranging from straightforward everyday expenses to more unconventional options. We'll look at which methods make sense, when paying a processing fee might actually be worth it, and which strategies come with risks that probably aren't worth taking.

Some of the strategies we cover:

- Everyday spending, group meals, and shared travel expenses
- Timing large purchases and prepaying recurring bills
- Medical expenses, childcare, and car down payments
- College tuition, property taxes, and estimated income taxes
- Using RSUs and tax withholding strategically
- Buying groups, precious metals, and Pokémon cards
- Startup investing and other unconventional opportunities

We'll also explain what actually counts toward a credit card welcome bonus, which transactions are typically excluded, and how to evaluate whether the rewards outweigh the fees.

The goal isn't to spend money you wouldn't otherwise spend. It's to get more value from purchases and expenses you're already planning.

Timeline
0:00 Start Here
0:36 What Counts?
1:32 Easy Mode
6:09 Medium Mode
9:45 Hard Mode

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