How to Spend $4,000 in 3 Months

You need to spend an average of $1,333 monthly to meet the minimum spend requirement.
Chris O'Shea
By Chris O'Shea 
Updated
Edited by Mary M. Flory

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When you're eyeing a new credit card — whether from Chase, American Express, Citi, Capital One or an alternative — you need to do some math.

Specifically, you need to figure out if earning the card's welcome bonus is worth your time. Part of that decision hinges on making sure you can meet and pay off the $4,000 required spend within three months of opening the account (or whatever the minimum spend is for your card of choice).

What's 4000 / 3? That's roughly $1,333.33 that needs to be spent monthly.

After all, a credit card welcome bonus is only worth it if you can hit the required spend without filleting your finances.

Knowing how to hit a credit card's required spend is a good skill to possess. Here are some ways to make it happen with regular, in-budget expenses. For now, we'll focus on cards that have a $4,000 minimum spend to earn the sign-up bonus.

How to spend $4,000

Save the date

The first thing you want to do when trying to hit a required credit card spend is to mark the date your purchases must be paid on a calendar.

Burn that date into your brain so you don’t miss it. Set reminders of that date for every other week to make sure you're on target to hit the required spend.

Charge your bills — and everything else

Once you sign up for that new credit card with a required spend, start using that card for everything. Going out for a bagel and coffee? Charge it. Filling up at the gas station? Charge it. Use your new card on every single purchase during those first three months.

You'll be surprised how quickly all those little payments add up. But again, remember to only adopt this strategy if you can pay off that $4,000 right away. Carrying a balance on your welcome offer minimum spend defeats the benefit.

Additionally, charge bills and expenses already in your budget, so you won't have to worry about racking up interest charges by carrying a balance. If at all possible, prepay the bills with your card to ensure that you hit that $4,000 mark.

Pick up the tab

Going out to dinner with a large group of friends? Offer to pick up the bill using your credit card. Simply pay the bill, then have your friends pay you back with cash or a payment app like Venmo.

Stock up on gift cards

Think about the places you shop most often. Once you have a list on hand, purchase gift cards for those retailers using your credit card. Then, the next time you visit Whole Foods or that same retailer on the way to work, use the gift card as payment. It's an easy way to bump up your credit card spending without overextending yourself.

Credit cards with a $4,000, 3 month minimum spend requirement

At the time of writing, these travel credit cards' welcome offers required new cardmembers to spend at least $4,000 to be eligible.

  • Chase Sapphire Preferred® Card: Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

  • Chase Sapphire Reserve®: Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

  • Citi Strata Premier℠ Card: Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com.

  • Capital One Venture X Rewards Credit Card: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.


How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:

Travel Cards from Our Partners
Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Preferred® Card
5.0
NerdWallet Rating
Rewards rate

1x-5x

5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

Points

Intro offer

75,000

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

Points
Chase Freedom Unlimited Credit Card

on Chase's website

Chase Freedom Unlimited®
5.0
NerdWallet Rating
Rewards rate

1.5%-5%

Enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Cashback

Intro offer

Up to $300

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Capital One Venture Rewards Credit Card

on Capital One's website

Capital One Venture Rewards Credit Card
4.7
NerdWallet Rating
Rewards rate

2x-5x

Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

Miles

Intro offer

75,000

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

Miles
See more travel cards
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