Poll of the Day > Ive got 3 credit cards in rotation, soon to be 4.

(+) Yeah! (+)

I never thought I would be that guy, but I've turned into a churner. Not just to get rewards(spend X in 3 months and get Y cash back) but now I have a good lineup optimized for most scenarios

gas - card A has 4% back on gas
restaurants - Card B has 3% back on resaurrants
drug stores - card B has 3% back at drug stores
grocery stores - card A gives me 2% back at grocery stores
parking garages/meter parking - card C gives me 5% cash back on the highest spend category, which is used for parking as no other card gives me a benefit on parking

everything else - I have two 1.5% cash back on every purchase cards...

The parking card is going to give me $200 back after I spend $750(this is mainly on parking - purchases I'd be making anyways), one of the 1.5% cards will give me $250 back if I spend $500 in 3 months. For this one I will be buying one high ticket item to meet the goal and effectively get the $250 immediately(camera lens).

This isn't like, life changing stuff, but damn...I know there are churners out there who have their shit optimized to a much greater degree than I do, but this is pretty good i'd say

edit: a true churner would probably go an extra step further and get something like a citi double cash where you effectively get 2% back if you pay it on time, for general purposes not covered in a specific category, but I don't really want a fifth card.

I got four credit cards and my only reward has been debt

I churn.

I very rarely spend money that's not on a credit card I'm working on a bonus towards. I don't even pay attention to non-bonus stuff because it's minimal over a 1.5% back card.

I can pay my rent with visa for a minimal fee so it makes pretty much all my spending eligible to be paid on credit card.

Basically I just follow reddits flowchart and focus on companion pass,which is super easy to get the next couple of weeks.

https://m16p-churning.s3.us-east-2.amazonaws.com/Card+Recommendation+Flowchart+v18.html

This is really good too because bonuses are dynamic:
https://travelcards.cardratings.com

Seems like a great way to maximize cash-back. Good on you, bud.

supergamer19 posted...

Seems like a great way to maximize cash-back. Good on you, bud.

The get 250 cash back for spending $500 was a "special" offer. Special in quotes because I don't know how special it is, but I had to input *personal codes* when I signed up. I've never seen an offer THAT generous and easy to complete. I've done $200 if you spend $500 before, but $250 for 500 is even better.

I figured adding in more cards into the mix could be confusing, but I've got it down now to where I understand what I need to use in every scenario, so it's alright.

Nice!

I've been thinking of getting a second card for extra cash-back on gas.

Just make sure you use them regularly. If you don't use them often enough, they'll cancel the card with no warning. You don't need to carry a balance, just make a purchase every so often.

I had a card that I forgot about and they cancelled it 1 year after I'd last used it. They never even told me it was cancelled, let alone warn me it was in danger!