Credit Card Bonuses With No Minimum Spend Requirements

Not everybody does a lot of spending that can be put on a credit card and not everybody feels comfortable doing manufactured spending. For people like this, they are usually reluctant to get involved in credit card sign up bonuses because they usually come with a minimum spending requirement (e.g spend $3,000 within three months and receive 50,000 points). I decided it’d be useful to make a list of credit card sign up bonuses that have no minimum spend requirements (e.g receive 50,000 points after approval/first purchase).

I’ve split this list into two: bonuses where you get the full bonus with no minimum spend requirement and bonuses where you get part of the bonus with no minimum spend requirement (e.g receive 20,000 points after first purchase and another 30,000 points when you spend $5,000 within three months).

I’ve also tried to list this offers in order from best to worst, but obviously this is pretty subjective so read through them all to make your own judgement (feel free to disagree with me in the comments). The best offers are typically from Barclaycard & U.S Bank.

Full

• Avianca Vuela Visa Card: 40,000/60,000 points after first purchase. Annual fee of $149 not waived. 
• Avianca Vida Visa Card: 20,000 points after first purchase. Annual fee of $59 not waived.
• Upromise from Barclaycard: $100 after first purchase
• Barclaycard Wyndham Rewards Visa Signature – Annual Fee: 30,000 points after first purchase, annual fee of $69
• Alaska Airlines from Bank of America (personal and business): 25,000 miles upon approval, annual fee of $75
• Capital One Sony Card: $100 statement credit after first purchase
• Barclaycard Lufthansa Premier Miles & More World MasterCard: 20,000 miles after your first purchase, annual fee of $79 is not waived.
• Spirit Airlines credit from Bank of America: 15,000 miles after first purchase, annual fee of $59 is waived first year (There is a higher sign up bonus of 15,000 miles + $100 statement credit that requires $500 in spending)
• AeroMexico Visa Signature Card from U.S Bank: 20,000 miles after first card use, annual fee of $80 is waived first year.
• LANPASS Visa Signature Card: 20,000 miles after first card use, annual fee of $75 is waived first year (Note: there is a 30,000 mile offer after $3,500 in spending)
• SKYPASS Visa Signature Card from U.S Bank: 15,000 miles after first card use, annual fee of $80 waived first year.
• Barclay Frontier Airlines World MasterCard – No Annual Fee: 10,000 Frontier Miles after your first purchase and no annual fee.
• Royal Carribean from Bank of America: 10,000 MyCruise points after first purchase, no annual fee.
• Norwegian Cruise Line: 10,000 Bonus WorldPoints after first purchase, no annual fee
• Wyndham Rewards Visa Signature – No Annual Fee: 12,000 points after first purchase, no annual fee
• REI Mastercard: $100 gift card after first purchase
• Disney Rewards Visa Card – No Annual Fee: $50 Disney Gift card after first purchase (Note: there is a $200 gift card after $500 in spending offer)
• Asiana Airlines from Bank of America: 10,000 miles after first purchase, annual fee of $99 is not waived
• Princess Cruises: 5,000 Bonus princess points after first purchase, no annual fee.
• Holland America Line Rewards Visa Card. 5,000 points after first purchase, no annual fee.
• Upromise World MasterCard: $25 after first purchase, no annual fee (Note: there is a higher sign up bonus of $100 after $1,000 in spending)
• Sallie Mae Mastercard From Barclaycard: $25 after first purchase, no annual fee
• RCI Elite: 2,500 points after first purchase with no annual fee,
• The Williams-Sonoma Visa Signature Card From Barclaycard: 2,500 bonus points after first purchase, no annual fee
• Coast to Coast Visa Signature Credit Card: 2,500 points after first purchase, no annual fee
• Good Sam Visa Signature Card: 2,500 bonus points after first purchase, no annual fee
• Polaris Visa Card From U.S Bank: Earn 1,500 points after first purchase, no annual fee
• United MileagePlus Club Card: $100 statement credit after first purchase, comes with an annual fee of $395 that is not waived (Note: there is an offer for the annual fee waived without the statement credit)

Partial

• SPG Card from American Express (personal and business): 10,000 SPG points after first purchase, 15,000 after $5,000 in spend within the first six months. Annual fee of $65 waived for the first year.
• TD First Class Visa Signature Credit Card: 15,000 miles after first swipe and an additional 10,000 miles after $3,000 in spending within the first three billing cycles. Annual fee of $89 is waived the first year.
• Virgin Atlantic from Bank of America: 20,000 miles after first purchase, an additional 2,500 miles for each authorized user you add (maximum of two) and an additional 50,000 points after $12,000 in purchases annual fee of $90 is not waived
• Barclaycard Priceline Rewards Visa: 5,000 points after your first purchase, an additional 5,000 points after you spend $1,000 within 90 days, no annual fee.
• Barclaycard Priceline Rewards: 5,000 points after your first purchase an additional 5,000 points after you spend $1,000 within the first 90 days, no annual fee.
• Carnival World MasterCard from Barclaycard: 5,000 FunPoints after first purchase, 5,000 FunPoints when you do a balance transfer of $5,000 or more (0% APR for the first twelve billing cycles, transfer fee of $10 or 4% – whichever is higher), no annual fee
• Delta Reserve Credit Card from American Express: 10,000 Medallion®Qualification Miles (MQMs) after your first purchase, access to free concierge service annual fee of $450 not waived. 15,000 MQMs and 15,000 SkyMiles will be awarded if you spend $30,000 within a calendar year, an additional 15,000 MQMs and 15,000 SkyMiles will be awarded if total spend is over $60,000 within a calendar year

Final Thoughts

I’m sure I’m missing some bonuses, let’s try and turn this into a collaborative resource – let me know which bonuses I’m missing in the comments and I’ll add them. Also keep in mind we don’t use any credit card affiliate links, so there is no ulterior motive here and no biases in which cards are/aren’t listed – if you see something missing let us know!

If this post is popular, I’ll do a similar post for bonuses that require a small amount of spend (sub $500 and sub $1,000). I can also highlight why I think certain offers are the best, if people are interested in hearing my reasoning.