BonusCeilingEasiest credit card bonuses (low minimum spend) (Oct 2026)
Cards whose bonus needs $1,500 or less in purchases, sorted by spend required. A low spend target is easier to hit with normal budgeted purchases. As of 2026-10-16, 12 cards qualify, led by Capital One Quicksilver, Capital One Savor, Chase Freedom Flex. 1 of them are at their all-time high.
By TK · Updated
| Card | Current public offer | All-time high | Annual fee | vs. record |
|---|---|---|---|---|
| Capital OneCapital One Quicksilver | $200 after $500 spend in 3 months | Unknown (not verified) | $0 | History unknown |
| Capital OneCapital One Savor | $200 after $500 spend in 3 months | Unknown (not verified) | $0 | History unknown |
| ChaseChase Freedom Flex | $250 after $500 spend in 3 months | $250 after $500 (current, since Sep 2026), the highest fixed cash bonus per The Points Guy | $0 | AT RECORD |
| ChaseChase Freedom Unlimited | $200 after $500 spend in 3 months | $300 after $500 (Dec 2025-Jan 2026) per Upgraded Points; past offers also added bonus categories | $0 | 67% of record |
| Wells FargoWells Fargo Active Cash | $100 after $500 spend in 3 months | Unknown (not verified) | $0 | History unknown |
| Bank of AmericaBank of America Customized Cash Rewards | $200 after $1,000 spend in 90 days | Unknown (not verified) | $0 | History unknown |
| Bank of AmericaBank of America Travel Rewards | 25,000 points ($250 value) after $1,000 spend in 90 days | Unknown (not verified) | $0 | History unknown |
| ChaseSouthwest Rapid Rewards Plus | 50,000 points after $1,000 spend in 3 months | 100,000 points after $4,000 in 5 months (Jul-Sep 2025) per Southwest and Upgraded Points | $99 | 50% of record |
| U.S. BankU.S. Bank Altitude Connect | 20,000 points after $1,000 spend in 90 days | Unknown (not verified) | $0 | History unknown |
| Wells FargoWells Fargo Autograph | 20,000 points after $1,000 spend in 3 months | Unknown (not verified) | $0 | History unknown |
| Bank of AmericaAtmos Rewards Ascent Visa (Alaska Airlines) | 50,000 points + $99 Companion Fare after $1,500 spend in 90 days | Unknown (not verified) | $95 | History unknown |
| CitiCiti Double Cash | $200 after $1,500 spend in 6 months | Unknown (not verified) | $0 | History unknown |
See also: issuer rules · eligibility checker · all bonuses