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25 tricks and hacks to meet your credit card’s minimum spending requirement.
Get your signup bonus more quickly with these tips.
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Some cards are tough to crack, like the Chase Sapphire Preferred® Card (you have to spend $4,000 in the first 3 months). Others offer an easier
path, like the Bank of America® Travel Rewards Credit Card (you only have to spend $1,000).
Whatever the spending requirement, you’ll need reach it within a specified amount of time. Otherwise, your signup bonus is gone forever.
You don’t want to spend money unnecessarily just to hit the minimum spending requirements. That might erase the value of your rewards
altogether. Instead, deploy your card intelligently and spend mostly on the must-haves. That way, you’ll breeze by your spending requirement
without shelling out extra dough.
Ready to hit that big payday? Here are 25 super-effective hacks to hit your minimum spending requirement.
Pay for the essentials.
You’ll find that you can use your card to buy things you’d spend money on regardless. As much as you can, make those purchases with your new
card.
1. Use your card all the time.
Now that you have a new card, start using it for everything. Whatever you’re buying — your morning latte, movie tickets or your next book for
nighttime reading — charge it to your credit card. Of course, use your card for everyday purchases like gas and groceries.
You may even get bonus points or miles for certain types of spending. For example, the PenFed Platinum Rewards Visa Signature® Card gives
you an eye-popping 5x points on gas purchases at the pump. That’s a sweet bonus as you’re working toward your minimum spending
requirement.
2. Buy gift cards for your regular shopping.
Feel like you’re constantly making trips to a certain store? Consider using your credit card to buy gift cards for that location. You’ll get closer to
your minimum spending requirement, and you can use the gift cards for purchases you’d make anyway.
For example, if you spend $100 a week at Target, you’ll spend over $1,000 within three months. You can use your credit card to buy a $1,000
Target gift card, then use the gift card for your shopping.
If you’re worried about carrying a gift card with a large amount of money on it, buy multiple gift cards with smaller dollar amounts. You may even
be able to send your gift card to your email address or mobile phone.
Use this strategy at other locations you frequent, such as supermarkets and gas stations. A big plus: You don’t have to pay convenience fees for
these gift cards, unlike with a Visa or American Express gift card.
How to avoid inadvertent cash advances.
Some card providers classify gift card purchases as cash advances. You want to avoid cash advances as much as you can, because they’re
typically very expensive.
To get around this, ask your credit card provider to set your cash advance limit to $0. Once you do this, any transaction coded as a cash advance
will be declined.
3. Pay your bills.
Many utility, car insurance and health insurance companies allow credit card payments. And it’s virtually certain that you can use a card for your
cable and phone bills. If you’ve been paying through your bank account, see if you can use your credit card instead.
4. Prepay your bills.
Most people don’t know this, but you can actually prepay some of your bills. Confirm whether your service providers allow prepayments. If they
do, they probably limit how much you can prepay (though that limit will likely be high).
If you’re lucky, you may even get rewarded for paying early. Some providers — especially health insurance and car insurance companies — offer
discounts if you buy coverage a few months at a time.
5. Use bill pay services.
You often can’t pay your mortgage, car loan or rent with a credit card. But other services can pay bills on your behalf, accepting payment via
credit card.
TIO (formerly ChargeSmart) and Plastiq are two bill pay services you can try. For rent, look into RadPad, RentMoola and RentShare.
To use a credit card, you’ll typically have to pay a service fee of 2% or 3%. That said, this method could help you rack up spending quickly.
After you load funds with a credit card, RadPad sends a check to your landlord.
Tax hacks.
One unchanging fact of life is paying taxes to Uncle Sam. So why not time your credit card applications to coincide with tax season? That way, you
can knock out your tax bill and quickly reach your card’s spending requirement.
6. Use a credit card processor to pay your taxes.
If you’re paying federal taxes, use one of the processors listed by the IRS that takes credit cards. If you’re paying state or property taxes, check
out the service Official Payments.
There is a catch: Payment processors charge fees for credit card payments — for example, Pay1040.com charges a 1.87% fee. So consider using
this method only if your card has a valuable signup bonus or you don’t owe much in taxes.
7. Pay your taxes in advance.
You can get a jump on your tax bill by paying taxes in advance. If you overpay, you’ll get a refund from the government after you file your tax
return.
8. Pay quarterly taxes.
Most people pay their taxes once a year. But did you know that most sole proprietors — such as freelancers and consultants — pay taxes
quarterly? These taxpayers have regular tax bills they can leverage to hit credit card spending requirements more quickly.
Why do sole proprietors pay taxes quarterly?
Not all sole proprietors pay quarterly taxes, but many do. You’re required to pay quarterly if you expect to owe $1,000 or more when you file
your taxes.
Why does the government set this requirement? Because Uncle Sam wants to get paid year-round. If you’re an employee, taxes are withheld from
each paycheck. But that doesn’t happen if you’re a sole proprietor.
If you’re an employee, you may be able to score this deal. First, form a sole proprietorship. Then ask your employer if they can pay you as a
consultant or freelancer.
Get help from others.
You don’t have to reach your spending requirement solo. In fact, you might be surprised how easy the process can be if you enlist your friends and
family.
9. Add an authorized user.
If you regularly give money to your spouse or kids, consider adding them as authorized users to your credit card account. Their spending may
count toward your minimum spending requirement. As an added sweetener, you might earn points, miles or cash back from their spending.
Ask your card provider for the scoop on adding authorized users. You may have to pay fees when adding new cards, so consider whether the
cost is worth the rewards you’ll get. Finally, remember that you’re ultimately responsible for the debt accumulated by your authorized users.
10. Add your friends as authorized users.
It’s unusual to add your friends as authorized users, but you can do so if you need extra help hitting your spending requirement. Your buddies can
spend on your card account and pay you back later.
11. Pay for dinner.
The next time that dinner check arrives, pay for the meal and ask your friends to pay you back. They can send you money using any one of the
excellent payment apps out there, such as Venmo and Google Pay.
Google Pay is one of the best payment apps for domestic money transfers.
12. Buy things for your friends.
Ask your friends if they’re looking to make large purchases. Then buy the items and have your friends pay you back.
You can also try paying for your friends’ weekly expenses, such as their grocery bills. This might come with more hassle, though, as the purchases
will be smaller, and you’ll probably need to be there in person.
Spend for the future.
Certain expenses will come around sooner or later. Instead of waiting to spend money until you have to, spend while you’re trying to collect your
signup bonus.
13. Book your holiday trip.
If you plan on taking a trip this (or next) year, consider charging it to your credit card. You can score some great deals if you book early, and you
can usually cancel plans if you change your mind.
Some cards will give you bonus points or miles for travel spending. For example, the Capital One® Venture® Rewards Credit Card offers 2x
miles on all purchases.
Is there a best time to buy and save on airfare?
According to a study by CheapAir.com, it’s best to buy a domestic flight 54 days out. The optimal timing varies for international flights — for
example, 120 days out for Europe, 160 days for Asia and 70 days to Latin America.
14. Buy gifts in advance.
Birthdays and holidays come around like clockwork. That’s a good thing, because it means you can get a jump on your gift shopping. Plus you can
avoid the holiday-season retail rush.
15. Maintain your car.
If you’ve put off maintenance on your car, it could be a good time to get an inspection. You can also perform necessary repairs that you’d have to
do later anyway.
16. Update your home.
Have you been waiting for the “right time” to renovate your home? Consider getting the job done by charging a few purchases to your card —
now’s a great time to change the carpets or replace old appliances.
Manufactured spending.
Manufactured spending is a secret strategy in the travel-hacking community. In general, it involves buying things that you can easily liquidate to pay
off your credit card.
Manufactured-spending strategies change all the time — especially when businesses and card providers make rules to circumvent them. Before
using a method you see here, do some research to see if it’s still valid.
17. Buy money orders with your credit card.
If your supermarket allows it, you can use your credit card to buy a money order. Afterward, deposit the money order into your bank account and
pay off your credit card bill.
Most supermarkets don’t allow this due to the potential for fraud — though some smaller ones will. Further, your card provider may classify
money orders as cash advances, so first confirm that you won’t be hit with the fees associated with them.
18. Buy and resell items.
Consider using your credit card to buy merchandise — preferably at a discount — and then resell it.
Here’s a pro tip: Buy items through shopping portals like Southwest’s Rapid Rewards Shopping or United’s MileagePlus Shopping. This way, you
can earn points on top of scooping up inventory.
Buy merchandise through Rapid Rewards Shopping and earn points for flights.
19. Open a bank account.
Some banks will let you use your credit card to make deposits into a new account. With this method, first make sure your bank allows deposits by
credit card. Then make sure your card provider doesn’t classify your funding as a cash advance.
20. Gift card churning.
Gift card churning involves buying gift cards and then reselling them at a break-even price — or even a loss. You can buy and sell gift cards on
platforms like Gift Card Granny, Cardpool and eBay.
21. Payment-app cycling.
If you need a little boost ahead of your minimum-spend deadline, try payment-app cycling. Just use your credit card to send money through an app
like Venmo — then have your recipient send the money back to you. Most card providers code Venmo transfers as purchases, not cash
advances.
Credit card transfers often come with fees. (On Venmo, for example, using a credit card costs 3% of the amount sent). That said, it’s best to use
this strategy sparingly.
RIP: The Target REDcard hack.
The Target REDcard™ Credit Card hack was an incredibly effective strategy back in the day. It involved getting a REDcard debit card, loading
funds with a credit card and then using the debit card for everyday expenses. Many travel hackers turned the method into a manufactured spending
strategy — they’d load their debit cards and quickly withdraw the money to their bank accounts.
Eventually, Target barred customers from loading REDcards with credit cards. When travel hackers started loading REDcards with Visa Gift
Cards, Target eventually changed the rules to only allow cash loads.
Rest in peace, Target REDcard hack. It was great knowing you.
Other powerful hacks.
While at the end of our list, these hacks are just as good as anything else you can try.
22. Peer-to-peer lending.
To reach your minimum spending requirement, you don’t have to spend money — you can lend it.
That’s where peer-to-peer (P2P) lending comes in. You’ll make loans to other people and be repaid with interest. It’s essentially a way to park
and even get a return on your extra money. Just make sure that you won’t need the money for a while.
For P2P lending platforms, try Upstart, LendingClub or Prosper. If you’re OK with not earning a return on your money, consider microlending
platforms like Kiva.
23. Donate to charity.
Making charitable donations is a great way to get closer to your minimum spend. If you already donate every year, you now have a reason to do it
earlier. And if you’re not a regular giver, you can become one now. As an added benefit, most charitable gifts are tax-deductible.
24. Buy general-use gift cards.
Visa or American Express gift cards are great choices because you can use them anywhere. Just remember that they have activation fees, and only
buy them if your card provider doesn’t classify such purchases as cash advances.
25. Pay for business expenses.
You might use a company credit card for work-related expenses. If so, ask your employer if you can use your own credit card for those purchases
and get reimbursed later.
Scam alert: How criminals can steal money off your gift cards.
Money expert Clark Howard doesn’t like gift cards because you take money that can be used anywhere and turn it into “fake money” that can
only be used at one place.
And now there’s another reason to avoid buying the popular last-minute Christmas gift!
Gift card scam: What you need to know to avoid becoming a victim.
Consumer Reports issued a warning about a sneaky scam that allows criminals to drain the money off gift cards before the recipient has a chance
to spend it.
How are thieves able to do it? There are actually multiple ways to hack gift cards.
The first scam is quite simple. The crook picks up a gift card from a store, jots down the account number, scratches off the strip to reveal the
security code and then leaves the store — without the card.
When someone buys the card and loads money onto it, the hacker gets an alert and drains the card ASAP.
The second scam targets the websites where people access their gift card balances, according to Consumer Reports. Hackers are able to rapidly
test gift card account numbers and PINs until they find one with a money balance.
A cybersecurity expert told NBC News that he was capable of hacking Nordstorm and gaining access to gift cards:
Although Nordstrom says it fixed the flaw the cybersecurity expert told NBC News about, Consumer Reports has some tips to help you avoid
becoming a victim of this scam:
Buy gift cards online directly from the retailer since criminals can’t easily access them Avoid purchasing gift cards from in-store racks; look for gift
cards kept behind the counter.
If you end up buying a gift card from a rack, flip it over and inspect the package for tampering. If the security code is exposed, that’s a huge red
flag!
Ways To Check the Menards Gift Card Balance.
Even if it’s partially used, your Menards gift card doesn’t need to go to waste. You should inquire about the remaining balance—perhaps you can
use the funds left or convert them into cash!
This article will teach you how to check your Menards gift card balance and demand to collect the unspent credit in cash once you start using
DoNotPay !
Menards Gift Cards in a Nutshell.
Menards provides only physical (plastic) gift cards, which can be used both for online and in-store purchases. Each card can have a value ranging
from $5 to $2,000, and you can use it regardless of how old it is as there’s no expiration date. You don’t need to pay additional fees for
redeeming the gift card credit—you spend as much money as it’s deducted during the purchase.
One of the drawbacks of Menards gift cards includes their single-load nature. This means that it’s not possible to add value to the card once you
spend the original balance. Another disadvantage is that the company isn’t responsible for lost, stolen, or faulty cards—there’s no option to get a
replacement in such cases.
How To Check the Balance on a Menards Gift Card by Yourself.
Knowing how much funds are left on your Menards gift card may help you decide on the best way to use the remaining balance . You can check
the current value of the card online by following the steps below:
Visit the Menards website Select the Gift Cards tab Choose Check Gift Card Balance from the drop-down menu Provide your gift card number
and the PIN code from the back of your gift card Click on Check Balance.
Other Methods of Doing a Menards Gift Card Balance Check.
Depending on where you purchase your Menards gift card, you may get it without the security (PIN) code. For safety reasons, the balance on
such cards can’t be checked online—you have to get in touch with the company and ask them to see the exact amount left.
Below is a table showing all available ways to reach out to Menards customer care center:
Go to the homepage of the Menards website Choose Help Center Select Contact Us from the drop-down menu Click on Send an Email Fill in the
form Click on Submit Call the customer care line at (800) 871-2800 Explain to the agent that you want to have your gift card balance checked
Wait for them to perform the check and tell you the exact amount left Visit the Menards website Pick Select Your Store Input the name of your
city and state or your ZIP code Select the nearest retail location and bring the gift card there to have the balance check done.
Can You Request Cash Back for the Remaining Credit on Your Menards Gift Card?
A major problem with returning gift cards to Menards for cash is that it’s not possible in all U.S. states. Each state has its version of a gift card
cash back policy that permits or prohibits the cash back option, and if allowed, what maximum amount can be cashed from a single card.
There are 12 locations—11 U.S. states and Puerto Rico—where merchants are obliged to accept partially used gift cards and redeem them for
cash:
California—up to $10 Missouri—up to $5 Oregon—up to $5 Maine—up to $5 Colorado—up to $5 Massachusetts—up to $5 Washington—up
to $5 New Jersey—up to $5 Puerto Rico—up to $5 Connecticut—up to $3 Rhode Island—up to $1 Vermont—up to $1.
How To Get the Remaining Gift Card Money Easily With DoNotPay.
Don’t take risks or get in trouble by selling or exchanging your gift card in an unauthorized way—cash out the remainder with zero sweat by signing
up to DoNotPay!
The secret is in our AI-powered app that helps you by:
Checking whether there’s a cash back option in your location Collecting the most important information required for generating your cash back
request Enabling you to collect the remaining credit despite the absence of a cash back policy in your state Forwarding your claim to the merchant
once it’s completed.
In other words, we do everything in your stead, saving you from going back and forth with customer care agents!
To use our feature, you should:
from any preferred web browser Choose Gift Card Cash Back Respond to a few of our chatbot’s questions regarding your gift card.
That’s all! Once we send your claim to the company, you can expect to receive the money by mail in the next 14 days.
Many companies offer free and traditional gift cards that you can turn into cash with our help! Get what’s yours and request the unused card funds
from:
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In-Store Gift Card Scams Need More Investigation.
According to the 2019 National Retail Federation’s “Holiday and Seasonal Retail Trends” report, for the 13th year in a row, gift cards remained
the most popular items on wish lists. However, as Haley Rush reported for KPTV, in-store gift cards are increasingly becoming the target of
scammers who are able to obtain security codes from the cards. Scammers tamper with the cards’ magnetic strips and may also use electronic
devices to obtain codes, Rush reported for KPTV, the Fox News affiliate in Portland, Oregon.
Although consumers might think it’s safe to purchase gift cards in-store, scammers are managing to hack those cards’ security codes. “They can
actually tamper with the card itself and then recover that so it looks like it’s never been tampered with, or there are some devices that can actually
strip the number off the cards,” Stan Prager with GoGeeks told KPTV.
The vulnerability of gift cards to hacking has received intermittent coverage, including December 2019 reports by two Canadian sources, Global
News and the CBC, as well as a December 2019 warning from Consumer Reports .
Source: Haley Rush, “Gift Card Scam Allows Crooks to Drain Money off Cards before You Can Use Them,” KPTV, Fox 12, Oregon, January
12, 2020, https://www.kptv.com/news/gift-card-scam-allows-crooks-to-drain-money-off-cards/article_d4f07db4-3591-11ea-a996-
a3a9f752cd90.html.
Student Researcher: Brittany Boschman (First Nations University of Canada)
Faculty Evaluator: Patricia Elliot (First Nations University of Canada)