Leveraging Amazon Payments to meet minimum spending requirements

If you apply for credit cards primarily with the purpose of earning large sign-up bonuses to fly for free, you are probably aware that some credit cards come with large spending requirements in order to earn the entire bonus. For instance, the Chase British Airways VISA requires $21,000 in total spending in one year in order to earn the entire 100,000 Avios bonus, and the SPG Amex requires $5,000 in spending within 6 months to get the entire 25,000 points bonus.

In the two examples above, you can meet the entire spending requirement relying solely on Amazon Payments. This payment service can do the majority of the work for you without you ever having to spend a single dime.

Here’s the way it works: Amazon Payments lets you pay up to $1,000 per month to anyone you want by using a credit card, free of charge. You open an account at payments.amazon.com. Then you have your spouse, parent, sibling, or anyone you can really trust do the same. Then you pay that person your $1,000 every month via Amazon Payments using your credit card as the funding source. That person will then receive the money into their Amazon Payments account, and they can withdraw the money into their verified bank account. Then use the money on the bank account to pay your credit card bill at the end of the month. Money goes around full circle, and you end up with an additional $1,000 of spending on your credit card.

There are a few things to keep in mind. Never have the recipient of the money pay you back the money the same way. It is better if they refund you the money in cash or via check. You can also have your spouse pay yet a third person you trust and get an additional $1,000 of monthly spending. A pays to B, B pays to C is ok. A pays to B and B pays back to A, not good. Also, try to do this within reason. Some people get too aggressive and do thousands of dollars’ worth of spending each month (there are ways to do this if you get creative enough). Use this service only if you need the additional spending to hit a bonus, and try to fly below the radar. For instance, we spread out our $1,000 limit into three separate payments of random amounts that add up to $999, so it isn’t so obvious. This is a great trick that we hope will be around for years and we don’t want it to get shut down.

If you have any questions feel free to leave comments on the section below and we will be glad to answer them.

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5 Responses to Leveraging Amazon Payments to meet minimum spending requirements

  1. Charles says:

    Thanks for the explanation. This will be useful in hitting my $10k for the final rewards on this card!

    • travelguys says:

      There are many other ways to hit minimum spending which aren’t so obvious, so we’re working on future posts to bring those up and share them as well.

  2. Jerry Mandel says:

    Pay to my wife. She can deposit the funds into her separate credit union account.

  3. Josh says:

    Can you load $1000 from prepaid visa cards (and transfer the balance to a bank account) and still send $1000 to a trusted friend in the same month?

    • travelguys says:

      Josh, I’m not sure about prepaid visa cards (I haven’t used them), but I just did the MasterCards I bought at Staples and those work fine. However, the $1,000 limit is per Amazon account, so once you send $1,000 in a month you’re done, so you can’t do the visa cards plus a $1,000 credit card payment.

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