How To Use Credit Card Churning To Travel For Free

Credit cards are something that people often use with caution. They can bring on unnecessary debt if you lack the discipline, and generally, people carry around one to two cards personally.

Credit card churning is a method of opening and closing many credit cards to obtain points and miles to travel for free. If you want to grab lots of points and miles, having many credit cards can help create this path.

What Is Travel Hacking?

Travel hacking is the mode of gaining free or cheaper travel by earning points and miles through credit card sign-ups and bonuses.

What Is Credit Card Churning?

Credit card churning opens up cards, hits the sign-up bonuses, and closes them. People will use credit card churning to earn air miles, travel rewards, or cashback.

How Credit Card Churning Affects Credit

Opening cards can allow you to increase your credit score. By paying off debt and being responsible, you can move your credit score from a fair score to a much higher one.

The Chase 5/24 Rule

When looking at creating a strategy, you must be mindful of the Chase 5/24 Rule. Chase doesn’t want people to be signing up for cards and canceling all the time.

American Express Rules

American Express only allows one welcome bonus for one person over their lifetimes. Once you get that bonus, you will never get another bonus on that card again.

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