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 often frowned upon by credit card companies. They are not in the business to lose money but are in the industry to make money.

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.

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.

Citi Credit Card Rules:

Citi has a 48-month rule. Once you get their sign-up bonus, you cannot get their bonus again for 48 months.

Credit Card Churners Beware

If you are thinking about doing some credit card churning, it is time to make sure some of these other factors will not affect your strategy.

Credit card churning is not for everyone. It takes strategy, organization, and discipline to make things happen—one of the most fantastic perks you can have from credit card churning.