What is Minimum Spend?
Credit Card Glossary · Updated April 2026
The amount you must charge to a new credit card within a set time frame (typically 3-6 months) to earn the sign-up bonus. For example, 'spend $4,000 in the first 3 months.' Only net purchases count — returns, fees, and interest do not.
Frequently asked questions
What is Minimum Spend?⌄
The amount you must charge to a new credit card within a set time frame (typically 3-6 months) to earn the sign-up bonus.
What does Minimum Spend mean on a credit card?⌄
The amount you must charge to a new credit card within a set time frame (typically 3-6 months) to earn the sign-up bonus. For example, 'spend $4,000 in the first 3 months.' Only net purchases count — returns, fees, and interest do not.
What terms are related to Minimum Spend?⌄
Closely related concepts include Sign-Up Bonus (SUB). Each of these helps clarify different aspects of the same topic.
Where does Minimum Spend apply?⌄
Minimum Spend is a rewards concept. It typically appears in the context of earning and redeeming rewards.
More rewards terms
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