Questions and Answers

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Chase reserve medical evacuation benefit

3

Amex or JetBlue MasterCard

3

Amex Platinum vs Chase Reserve

3

Lyft Cash: No Longer Earns Chase UR Points

1

Amex Plat-$50 offer for Best Buy & Home Depot

6

Platinum Confusion – Marriott Brilliant Amex

3

Miles & More European Credit Cards 50% Devaluation

1

Timing about canceling one card and applying for another

2

Can’t find Blue Business Plus

4

Annual fee for Virgin Atlantic M/C

2

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Answers (3)

How many?

How many?

  1. Hanoi IG

    So 1st year chasing points/miles. Many new cards w/bonuses. What of the future? Can’t have 50 cards. So far I’ve done well with the miles I earned, a good purchase from Avianca andthe bonuses from Chase Sapphire and Amex Platinum. I spend a lot of $$$ but still not hundreds of thousands. Ideas? How do you points gurus do this?

  2. CharlieB

    For a normal person with normal spend, I’d suggest keeping a lookout for welcome bonuses for a few cards, then kind of rotate-and-cancel them as you need, and also before large purchases. Keep one card that offers the best mileage accrual rate.

    For instance, say Card A has the best accrual rate, then use it for everything until a good offer comes along from Card B. Apply for Card A, spend the required amount and get the bonus, then resume using Card A. Cancel Card B as soon as possible (making sure that you’ve passed the penalty period if any for cancelling a card too soon).

    Then if you are about to make a costly purchase, apply for Card C, then use it to buy that item, get the bonus, and then cancel Card C as you did with B.

    After a while, you can then apply for Card B again and receive yet another welcome bonus. 🙂

  3. No Name

    [USER=1494]@Hanoi IG[/USER]

    Welcome

    CharlieB approach is good from a overall perspective, but you should try to downgrade cards to a non-fee version rather than cancel outright. The keep average life of your credit cards up which in turn helps your credit score.

    Also having more credit available as a whole helps your credit score as it would seem that you are using only a fraction of available credit, even if 90 % of that credit is on cards that never leave the bottom of your sock drawer.

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