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

11 July 2023

Editor’s note: This is a recurring post, regularly updated with new information and offers.

One of the biggest reasons we hear people give for 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!

Generally, we think of these offers as great for students, retirees, those on a fixed income and people who don’t have many expenses each month. But now, inflation has a lot of us decreasing our spending but still looking to maximize our perks. Regardless of your reason for wanting a low spend requirement, you have an extensive number of excellent credit card welcome offers available to you. 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. With these low spend requirements, you’ll have your bonuses in time to book your fall travel.

American Express

AMERICAN EXPRESS

Delta SkyMiles® Blue American Express Card

Welcome offer: Earn 10,000 bonus Delta SkyMiles after spending $1,000 on purchases on your new card in your first six months of card membership.

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).

Apply: Delta SkyMiles Blue Amex

Delta SkyMiles® Gold American Express Card

Welcome offer: Earn 65,000 bonus miles after spending $2,000 in purchases on your card in the first six months of card membership. Offer ends Aug. 2.

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).

Apply: Delta SkyMiles Gold Amex

Hilton Honors American Express Card

Welcome offer: Earn 70,000 Hilton Honors bonus points and a free night reward 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. restaurants (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).

Apply: Hilton Honors Amex

Bank of America

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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.

The information for the Allegiant World Mastercard 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 can get a new longer intro period with a 0% intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After that, 17.99% – 27.99% variable APR will apply. A 3% fee (min $10) applies to all balance transfers .

The Customized Cash Rewards card earns 3% cash back in the category of your choice: dining, drugstores, 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.

Apply: Bank of America Customized Cash Rewards 

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, drugstores, 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.

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Bank of America® Travel Rewards credit card

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

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.

Apply: Bank of America Travel Rewards

Bank of America® Travel Rewards Credit Card for Students

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

The Travel Rewards for Students 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.

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.

Apply: Bank of America Unlimited Cash Rewards

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.

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 50,000 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 annual fee of $0 during the first year, then $79 thereafter.

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

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.

The Susan G. Komen Customized Cash Rewards card earns 3% cash back in the category of your choice: dining, drugstores, 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

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AAdvantage® Aviator® Red World Elite Mastercard®

Welcome offer: Earn 50,000 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 drugstore 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 $100 cash-back bonus after spending $500 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.

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. Balance transfers made within the first 30 days of account membership will receive 1 FunPooint per dollar, 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.

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Frontier Airlines World Mastercard®

Welcome offer: Earn 50,000 bonus Frontier miles after spending $1,000 on purchases within the first 90 days.

The Frontier Airlines card earns 5 miles per dollar on Frontier purchases made at flyfrontier.com, 3 miles 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 10,000 Holland America Rewards points after spending $500 within the first 90 days of account opening.

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.

You’ll earn 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 40,000 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 a $150 statement credit plus 5,000 points after spending $1,000 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 in Glacier Bay, Alaska. PRINCESS CRUISES

Princess Cruises® Rewards Visa® Card

Welcome offer: Earn 10,000 bonus points after you spend $500 in the first 90 days of account opening.

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 45,000 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. You’ll also receive 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 Eaner 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 75,000 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. You’ll also receive 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

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Capital One SavorOne Cash Rewards Credit Card (see rates and fees)

Welcome offer: Earn a one-time $200 cash bonus once you spend $1,000 on purchases within the first three months from account opening.

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

Apply: Capital One SavorOne

Capital One SavorOne Student Cash Rewards Credit Card (see rates and fees)

Welcome offer: Earn $50 when 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 (excluding superstores like Walmart and Target) and 1% back on all other purchases. The card has no annual fee.

Apply: Capital One SavorOne Student

Capital One Quicksilver Cash Rewards Credit Card (see rates and fees)

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

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

Apply: Capital One Quicksilver

Capital One Quicksilver Student Cash Rewards Credit Card (see rates and fees)

Welcome offer: Earn $50 when 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.

Apply: Capital One Quicksilver Student

Capital One VentureOne Rewards Credit Card (see rates and fees)

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

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.

Apply: Capital One VentureOne

Chase

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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% 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 drugstores and 1% on all other purchases. The card has no annual fee.

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

Apply: Chase Freedom Flex

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.

The information for the Chase Freedom Student 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 Visa Card

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

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.

Apply: Disney Visa

Disney Premier Visa Card

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

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 U.S. locations and 1% on all other purchases. The annual fee on the card is $49.

Apply: Disney Premier Visa

Marriott Bonvoy Bold Credit Card

Welcome offer: Earn 50,000 Marriott Bonvoy bonus points after you spend $1,000 on purchases in the first six months your account is open. Earn an additional 50,000 bonus points after you stay 6 eligible paid nights at Bonvoy hotels through Jan. 31, 2024.

The Marriott Bonvoy Bold card earns 3 points per dollar spent at participating Marriott Bonvoy hotels, 2 points per dollar on other travel purchases and 1 point per dollar on all other purchases. The card has no annual fee.

Apply: Marriott Bonvoy Bold

United Gateway Card

Welcome offer: Earn 30,000 bonus miles after you spend $1,000 on purchases in the first three months your account is open.

The United Gateway card 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.

Apply: United Gateway

Citi

WYATT SMITH/THE POINTS GUY

American Airlines AAdvantage® MileUp®

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.

The information for the American Airlines AAdvantage MileUp 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.

Citi Custom Cash℠ Card

Welcome offer: Earn $200 cash back after you spend $1,500 on purchases in the first six months of account opening. This bonus offer will be fulfilled as 20,000 Points, which can be redeemed for $200 cash back.

The Custom Cash card earns 5% cash back on the first $500 spent in your top spending category each month — 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.

Apply: Citi Custom Cash (see rates and fees)

PNC

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

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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.

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 all other eligible purchases. The card has no annual fee.

The information for the U.S. Bank Altitude Go Visa Signature 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 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.

The Cash+ Visa card earns 5% cash back on your first $2,000 in combined purchases each quarter on two categories 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, cellphone providers, gyms/fitness centers, ground transportation, movie theaters, fast food and TV, internet and streaming services. Eligible 2% categories include grocery stores and grocery delivery, restaurants or gas stations and EV charging stations. The card has no annual fee.

The information for the U.S. Bank Cash+ Visa Signature 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.

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

Wells Fargo

WYATT SMITH/THE POINTS GUY

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

Welcome offer: Earn a $200 cash rewards bonus when you make $500 in purchases in the first three months after opening your new card.

The Active Cash card earns 2% cash rewards on purchases. The card has no annual fee.

Apply: Wells Fargo Active Cash

Bottom line

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All of these bonuses are available by spending $1,000 or less, showing that you don’t need to be a big spender to earn one. If you’re a student, retiree or just looking to cut your credit card spending in our current inflation, these are excellent options that can help offset the cost of your upcoming travel.

For further reading on related topics, see the following:

Are you a low spender? Here’s how to travel the world anyway.
Maximizing credit cards during retirement.
Your guide to paying college tuition with a credit card.
Your guide to responsible credit card use for college students.

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 Wells Fargo Active Cash rates and fees, click here.

Additional reporting by Emily Thompson.

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