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The biggest problem most people have with credit card bonus programs is meeting the spending requirements for the bonus. Business owners have an advantage. Landlords do too. Meeting a $3,000 spending requirement in 90 days is a snap of the finger for even a relatively small business or side gig.

But not every side gig has enough spending that can go on a credit card and if you only own a few rental properties and maintenance is not currently required you will need another source of spending to earn a bonus.

Readers of this blog tend toward the frugal side. Spending for the sake of spending for a bonus is crazy and you guys know it. Your personal spending is probably too low to earn many bonus cash awards or miles. Travel hacking gets harder when you save most of your income.

Manufactured spending is the solution bandied around the blogosphere. It sounds so simple at first. Find a source where you can recycle fake spending into cash and miles rewards. Well, how do you do that?




There are two problems with manufactured spending. First, it frequently requires a lot of running around and effort. It boils down to time and what you value your time worth. Running to the store to refill a debit card or jumping through hoops to add a few more dollars toward a spending requirement is a poor use of precious time.

The second problem with manufactured spending is cost. Recently I wrote a post on using the IRS and taxes as a way to manufacture spending. It’s a great idea to create massive amounts of spend, but it has a cost. The cost can be small, but costs, even small ones, add up. The cost of manufactured spending digs into the value of your rewards.

Turning Manufactured Spending Into a Cash Cow

I have never been a fan of manufactured spending. Recycling spending through a program to generate benefits is a fool’s errand. As fast as you can find a program to game the rules change. Siphoning off value costs somebody somewhere something. That somebody soon discovers the issue and changes the rules. Then you get to start the hunt for another source of spending to max out credit card rewards programs again.

There has to be a simple way to increase spending without real cost to the budget. To maximize the value of manufactured spending, the costs of creating this spend must be reduced or eliminated. Cost in this instance is more than just money; it is time, too. To be effective it must be fast, simple and no or low cost.

The ultimate manufactured spending would allow you to buy a large value amount of gift cards of a general use credit/debit card—a Visa gift card, perhaps. This in effect would extend the spending deadline, as required spending to meet reward qualifications are met, while the true spending could happen at a future date using the purchased gift cards.

Top Cash Back (affiliate link) has a unique program where you can buy American Express and Visa gift cards and get cash back. Buying a gift card frequently has fees attached and this case is no different. However, in this instance the cash back covers most, or all, of the fee.

Step-by-Step Process

Let me walk you through the process before I let you get on with your day.

Step 1: Research a credit card with a high cash back or miles reward that meets your goals. You can use this link to review just about any credit card reward program imaginable here. (If you use this link as your gateway into the CardRatings site and apply for a credit card and are approved this blog will receive compensation.)

Step 2: Apply for the card best fitting your cash back or travel goals. Maybe you are looking for a large cash back reward. Maybe you have a miles goal with a specific airline as you plan some travel. You can hone your efforts to any credit card you want without concern over meeting spending requirements.

Step 3: Once you have the credit card use it for all spending, as you have in the past, to get as much of the required spend used within the timeframe required by the credit card. Do NOT spend extra just to meet spending requirements for a reward. That kind of defeats the purpose of the program.

Step 4: As the deadline for bonus rewards required spending approaches, review your spending to see if you are short of the required spending.

Step 5: Go to Top Cash Back and order Visa or American Express gift cards to complete your required spending to earn the reward.

Step 6: You can either cash out the gift card (Visa only) immediately (there is probably a cost to this) to pay off the credit card bill or you can use it to cover future spending needs.

Many of the best rewards programs have daunting spending requirements. This no longer should be a concern for you.

There are many ways to manufacture spending. This is one additional tool to add to your workbench. No one program fits everyone’s personality or needs. The more ways you have to meet spending requirements the better and the more rewards you can earn.

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Bookmark this page for future reference and as a starting point in your research for additional rewards cards.

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Share additional ideas in the comments section below.