Easiest Way to Meet Minimum Spend on Credit Cards

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There are many methods to meet minimum spend on credit cards to meet big bonuses.  For example, the AMEX Starwood Preferred Guest Card needs a minimum spend of $5,000 in 6 months and the Chase Ink Bold/Plus need a minimum spend of $5,000 in 3 months.  Many people including me cannot spend this much a normal expenses.

Update 10/29/13: See Updated Post

The easiest way to meet minimum spend on credit cards right now until 12/6/12 is to buy AMEX gift cards through the cash back site BigCrumbs.  You can purchase $5,000 in personal gift cards on the site and receive 2.25% cash back.  Only use the coupon codes mentioned on BigCrumbs to receive cash back.  Currently the only coupon code valid for cash back is WRAP12P or AFLQ42012, which gives you free shipping.  There is a $3.95 fee per card you order.  You can order cards in denominations of $25-$3,000.  Note: Do not use Citicards to purchase, as it might trigger a cash advance fee.  The most effective method to max this promotion would be the following:

$5,000 times 2.25% 2.5% = $125 cash back – $8.90 in fees = $116.1

Use code WRAP12P for free shipping.

Select the Classic Gift Card

You can quickly meet your AMEX SPG card of Chase Ink Plus or Bold with this method and make an extra ~$100.  This method will help you accelerate your credit card churning.  However you do get stuck with $5,000 of gift cards where you can spend anywhere AMEX is accepted.  Also, you can use Amazon Payments to liquidate $1,000 of the gift card a month or buy Vanilla Reload cards at CVS for a $3.95 fee each and liquidate through Bluebird. I’ve recently been paying my rent by having Bluebird send my landlord a check. Also, be careful that AMEX gift cards do not provide purchase protection.  I usually buy things that I don’t plan on returning with AMEX Gift card.  Many opportunities out there!  Several members on Flyertalk have confirmed that their cash back posted.

Note: I do receive a very small 0.1% commission if you choose to buy AMEX gift cards.  Thank you for your support.


19 comments for “Easiest Way to Meet Minimum Spend on Credit Cards

  1. mark m
    December 3, 2012 at 1:36 pm

    hey there

    I like this idea but I don’t want to get stuck with $5k of amex gift cards, so is there any way to liquidate some or all of those funds?

    I have bluebird but my CVS doesn’t allow gift cards to be used to purchase Vanilla Reloads.. any ideas?

    thanks a lot, love the blog!

    • December 3, 2012 at 1:59 pm

      You can use amazon payments to cash out 1k per month. Kiva through PayPal unlimited if you are willing to float cash around. I do a lot of buying and selling on eBay. Buy visa gift cards and run them through serve. Buy a Target AMEX and do ATM withdrawals.

  2. dana
    December 7, 2012 at 6:02 am

    Hi! Is it safe to buy Vanilla Reloads on a new credit card (to meet spending requirements), also make some other purchases on the card and then pay the card with BlueBird? I mean.. is a game of transferring money from my credit card into BlueBird and back to my credit card.. is there anyone who can notice this? Or I should use Vanilla Reloads and BlueBird to pay for other stuff? (I don’t have mortgage or rent.. not to many options)? Thank you.

    • December 7, 2012 at 6:57 am

      From my experience, I only pay rent and bills with bluebird. It is safe to buy vanilla at CVS in moderation because the cc company doesn’t know what you are buying there. You can either write a check to someone, transfer to a bank account, or pay bills including cc. I would advise to proceed with caution.

  3. Jerry Mandel
    December 7, 2012 at 8:31 am

    Recycling funds to meet minimum spending is a great idea. How/Where can we use Citi cards without paying for cash advance fees?

    • December 7, 2012 at 8:36 am

      Use Amazon Payments for Citicards up to $1k a month. I have not heard any cash advance fees from doing so. I recommend you google and research first though!

  4. Jorgen Habermas
    December 7, 2012 at 7:19 pm

    @rom — you’re incorrect that credit card companies don’t know what you’re purchasing. It depends on the level of data the company pays for, which is directly related to the type of card you’re using. Rest assured any of the major card issuers are more than aware that those 503.95 charges at CVS are for something like a cash equivalent.

    The better approach is not to worry, because nothing makes them illegal. They could at any time decide to charge them as cash advances or to close your account, but it’s not illegal.

    • December 7, 2012 at 8:43 pm

      Jorgen, I used my Citicard to buy Vanilla reloads, no cash advance fees, please report if you were charged some. Sorry to hear if so!

  5. Jorgen Habermas
    December 7, 2012 at 7:21 pm

    @Jerry — He’s also wrong on Citi. THEY WILL POST AS CASH ADVANCE.

    You’re better off hitting up flyertalk.com. Rom is rather new to the game; his “deals” posts are helpful and informative, but he is not a wealth of knowledge when it comes to the nitty gritty of this game.

    • December 7, 2012 at 8:43 pm

      In my experience, no cash advance charge for Amazon payments with Citi. MMS states this in his blog too: “@Andrew – To be the best of my knowledge, there is no cash advance fee for using Citi personal cards with Amazon payments. However, you may get hit with a cash advance fee if you use a Citi business card to buy American Express gift cards directly from American Express.” Jorgen, please report to us if you were charged cash advance. Thanks!

  6. Adam
    December 9, 2012 at 10:24 pm

    Great site ROMSDeals!
    You have the most consice and precise info on the latest strategies, thanks for your hard work.

    • December 10, 2012 at 7:12 am

      Thanks I appreciate it, stick around my best tricks have yet to be posted.

      • JDH
        October 29, 2013 at 3:33 pm

        Hi Rom. I agree with Adam, this article has been pretty helpful! I’m in a bit of a bind and wanted to get your advice. I am looking to meet my minimum spend ASAP (today) in order to get the bonus Starwood points on my SPG Amex to make a booking soon. If I buy gift cards on Big Crumbs, will the charge hit my account the same day I purchase? Thanks!

        • October 29, 2013 at 3:41 pm

          It might take a day or two to clear. Your bonus points will post 4-6 weeks depending on your statement close. It won’t be instant points.

  7. November 13, 2013 at 9:15 am

    Wow, awesome blog format! How long hawve you been blogging for?
    you make running a blog glance easy. Thhe total glance of your website
    is excellent, let alone the content material!

  8. February 24, 2014 at 9:04 pm

    Great article.

  9. Jerry Mandel
    July 15, 2014 at 6:20 am

    I just bought $3,000 gift cards from a Simon facility (mall or outlet) for min spend. At home, called to set a common PIN. Bought money orders in Walmart money center.. (Pay MO fees in cash.) 4 cards in one transaction and 2 cards in another transaction. Deposited MOs in my bank to pay credit card bill when it comes. Quick recycling of funds. Amazon requires 2 people and Bluebird still has your funds tied up. Always call up credit card company to have new cards unblocked for big purchases.

  10. August 4, 2014 at 12:58 pm

    Thank you a lot for sharing this with all folks
    you actually recognize what you are speaking about! Bookmarked.
    Kindly also consult with my website =). We could have a hyperlink
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