Easiest Credit Card Bonuses (Low Spend)
Updated October 2026
Bonuses that need $500 or less of spending, so you can earn them with normal groceries and bills.
👩🍼 Mama's #1 pick:Top pick: Discover it® Card, Up to $300 in credits. Only $500 of spending for $300? That's one of the easiest bonuses around.
- #1
Discover (Capital One)
Discover it® Card
Up to $300 in credits
Spend $500 in 3 months · No annual fee
- #2
Chase
Chase Freedom Unlimited®
$200 bonus
Spend $500 in 3 months · No annual fee
- #3
Capital One
Capital One Credit Cards
Up to $200 bonus
Spend $500 in 3 months
- #4
Chase
Chase Freedom® Visa Platinum
$200 bonus
Spend $500 in 3 months · No annual fee
Side-by-side comparison
| Offer | Bonus | Spend | Time | Annual fee |
|---|---|---|---|---|
| Discover it® Card | Up to $300 in credits | $500 | 3 mo | $0 |
| Chase Freedom Unlimited® | $200 bonus | $500 | 3 mo | $0 |
| Capital One Credit Cards | Up to $200 bonus | $500 | 3 mo | — |
| Chase Freedom® Visa Platinum | $200 bonus | $500 | 3 mo | $0 |
FAQ
What is the best pick in easiest credit card bonuses (low spend) for October 2026?
Discover it® Card is our top pick right now: Up to $300 in credits. $100 statement credit after your first payment. $200 more after spending $500 in 3 months. No annual fee.
Are referral links different from regular sign-up links?
A referral link usually gives you the same or a better welcome offer than the public page, and the person who referred you may also earn a reward. It costs you nothing extra.
How often is this list updated?
Offers are re-checked regularly against each issuer's terms. Every offer guide shows its last-verified date. Always confirm the offer on the application page before applying.
More lists
ReferralMama may earn a referral reward if you use these links. Offers change and may differ for you. Check each issuer's terms before applying.