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- Pay Utility Bills<\/em> <\/strong>ie: electricity, gas, sewer, water, garbage, etc. Most times this can be done without an additional fee and even in advance if necessary.\u00a0 Sometimes I’ve prepaid my city bill for four or five months in advance when needed.<\/li>\n
- Car Insurance<\/em>:<\/strong> Most car insurance companies accept credit card payments. \u00a0Pay your bill annually rather than monthly.<\/li>\n
- Health Insurance<\/em>:<\/strong>\u00a0\u00a0Many health insurers aren’t up to this yet, but there are a few. \u00a0PacificSource in Idaho allows for credit card payments on an automatic withdrawal.<\/li>\n
- Life Insurance<\/em>:<\/strong> \u00a0Once again, not all companies do this, but pay your bill in an annual sum to help increase your spending during the three months.<\/li>\n
- Reimbursed Business Expenses<\/em>:<\/strong> \u00a0Some lucky people out there can file their own business expense reports and be paid back for their expenses. \u00a0Anyone who has this option rather than using a business credit card should do this NOW. \u00a0Spend on your personal card for all business expenses then have the company pay you back in the form of a check.<\/li>\n
- Cell Phone<\/em>:<\/strong> Everyone these days has a cell phone, and most people have a data plan. \u00a0You can’t get one of these for cheaper than $70 per month. \u00a0There is no reason that this shouldn’t be put on a credit card each month to help you reach the spending requirement.<\/li>\n
- Gas<\/em>:<\/strong> \u00a0Every time you fill up the tank you need to score more miles.<\/li>\n
- Restaurants<\/em>:<\/strong>\u00a0\u00a0Eating out can really add up each month. \u00a0If you’re currently paying cash or using a debit card, STOP IT. \u00a0The Sapphire Preferred will give you 2 Ultimate Rewards per dollar, so get a twofer<\/strong>!<\/li>\n
- Home Improvements<\/em>:<\/strong>\u00a0\u00a0Most contractors these days accept credit cards. \u00a0Always ask them if it’s an option if there’s no added charge.<\/li>\n
- Medical Expenses<\/em>:<\/strong>\u00a0\u00a0Even if you have a FSA, HSA, or HRA many times you can spend your own dollars, then file for reimbursement from the plan administrator. \u00a0Don’t let the dollars come directly from your account, you’re missing miles.<\/li>\n
- Groceries<\/em>:<\/strong>\u00a0\u00a0Walmart takes plastic. \u00a0Always use it.<\/li>\n
- College Tuition<\/em>:\u00a0\u00a0<\/strong>Not all schools will accept your Visa, but many will.<\/li>\n
- Loan Payments<\/em>:<\/strong> \u00a0Very few loans will allow you to pay them off with a credit card, but it is always worth asking.<\/li>\n
- Travel<\/em>:<\/strong>\u00a0\u00a0Hopefully by now you’re flying for free<\/strong> and staying in free hotels, but there are scenarios where paying makes sense. \u00a0Always use a credit card to pay for your travel expenses.<\/li>\n
- Dish Network or DirecTV<\/a><\/em>:\u00a0\u00a0<\/strong>Who doesn’t have satellite? (I might be the only one without it) Set this up on autopay or pay for a year at a time if needed.<\/li>\n
- Store Gift Cards<\/em>:<\/strong> If you can pay off the credit card, and know that you’ll be spending more money at “Wally World” each month, but a Walmart Gift Card to help meet the requirement, then use it next time you head to the store.<\/li>\n
- Additional Cards<\/em>:<\/strong> \u00a0Most companies will allow you to give a spouse a credit card on your same line of credit. \u00a0That way you never miss one $ because you are in two places spending money at the same time.<\/li>\n
- Mortgage Payments<\/em>:<\/strong> \u00a0This does have a fee associate, but might be worth doing for a month if you are close. \u00a0Use Charge Smart<\/a> for this if needed (Thanks MMS)<\/li>\n
- Rent<\/em>:<\/strong> Williampaid<\/a> allows you to pay your rent online, but does cost a fee as well (Thanks MMS)<\/li>\n
- Car<\/em>:<\/strong>\u00a0\u00a0One car I purchased from a dealer that accepted credit cards. \u00a0I put the expense on my card and loaded up a few thousand miles. \u00a0Be careful with this to never allow your statement to close with more than 40% of your available credit utilized. \u00a0For example: \u00a0if your spending limit is $10,000, never let the statement close with more than $4000 owed on the card. \u00a0Pay it down before the close of your statement.<\/li>\n
- Vanilla Reloadable Pre-Paid Cards:<\/em><\/a>\u00a0<\/strong>These are especially nice when you buy them at office supply stores with your\u00a0Ink BoldSM<\/sup>\u00a0with Ultimate Rewards\u00a0card<\/a>.<\/li>\n
- Ask Siblings\/Parents\/Friends to Help<\/em>:<\/strong>\u00a0\u00a0I’ve asked family to allow me to purchase something for them and allow them to write me a check in return. \u00a0Be very careful as this might spark a fire in your family relationships. \u00a0It can be great if you have siblings with large expenses, but pay everything with check, cash, or debit cards.<\/li>\n<\/ol>\n
As you can see, there are tons of ways to meet the spending requirement<\/strong> for this credit card. \u00a0Prepay a few expenses if you need to, but don’t let a spending requirement keep you from wanderlusting with us.<\/p>\n
Get Credit Sesame, which will give you an estimate of your credit score free.<\/p>\n
<\/p>\n
- Car Insurance<\/em>:<\/strong> Most car insurance companies accept credit card payments. \u00a0Pay your bill annually rather than monthly.<\/li>\n
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