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Answers (2)

Credit Card Churning

Credit Card Churning

  1. Anonymous

    I’d like to start churning credit cards (thanks to learning so much on this blog), and was wondering where to start.
    I have 0 cards out in the past 24 months, an excellent credit rating (for the 5/24 rule. I have the CSP right now, but have had it for quite a while. I’ll mostly be focusing on air travel, as I fly a lot; but don’t stay in hotels. What would be the smartest way to get as many cards with the highest signup bonuses right now? And in what order should I get them (to avoid 5/24 and any other regulations) I don’t mind having a portfolio between Chase, Amex, and Citi.

    Thanks all in advance!

  2. Gaurav

    Well, I’d start with Chase as the window for applying to their cards will close once you get five new accounts. I’d get something like the Freedom or Freedom Unltd, transfer your UR points, and then close the CSP so you can do the CSR. Then look at their business cards and Marriott/SW cards. After you max out of Chase products, then start looking at AmEx and Citi products that are offering attractive bonuses.

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