The best credit card for low spenders is the Citi Double Cash Card because it gives 2% cash back on everything, which is double what most card offer. It also has no annual fee, so there’s no need to worry about keeping up with cost. The Blue Cash Preferred® Card from American Express is another good option. It gives 6% cash back at U.S. supermarkets (up to $6,000 spent per year), 6% back on select U.S. streaming subscriptions, 3% back at U.S. gas stations and on transit, and 1% back on all other purchases, earned as statement credits. Since food, at least, is a necessity for everyone, even low spenders figure to benefit from those bonus rewards.
The best credit card for low spenders who like to travel is the Capital One VentureOne Rewards Credit Card. It doesn’t charge an annual fee, unlike the Capital One Venture Rewards Credit Card, and you only need to spend $500 in the first 3 months to get its initial bonus. Finally, the best credit card for low spenders with bad credit is the Capital One Quicksilver Secured Cash Rewards Credit Card. It offers 1.5% cash back on all purchases.
Here are the best credit cards for low spenders:
- Citi® Double Cash Card – 18 month BT offer
- Blue Cash Preferred® Card from American Express
- Capital One VentureOne Rewards Credit Card
- Wells Fargo Active Cash℠ Card
- Capital One Quicksilver Secured Cash Rewards Credit Card
If you don’t spend a whole lot, the most important thing to look for in a credit card is no annual fee, since your spending may not earn you enough rewards to cover that kind of yearly cost. And none of these picks for best credit card for low spenders charges one. But they all offer plenty of perks.