You pay for insurance monthly or annually?
APR Promo?
If you rent can you use a card?
Lots of ways to meet spend bonus. I'd pay union dues, Send Verizon and Comcast a quick 500 each, Finish of insurance policy for another 1k. Always a big purchase coming up, APR promo great for that. Send me a venture... I'll meet the bonus tomorrow. If you're going to spend the money regardless it might as well get charged. If you cant PIF calculate the interest vs the bonus. So you waste 25 a month on interest and get 400 back after 3 months. I'm not suggesting you rack up debt for no reason. Math doesn't lie, If you gotta throw away 200 for 400 you still win.