Credit Card Guides
In-depth guides on credit card churning, application strategies, and issuer-specific rules. Whether you're just getting started or optimizing your approach.
What is Credit Card Churning?
A complete beginner's guide to credit card churning. Learn how it works, issuer rules, risks, and which cards to start with.
Best Cards to Churn
The best credit cards for churning ranked by bonus value, ease of approval, and repeatability. Tiered recommendations from beginner to advanced.
Chase Sapphire Churning Guide
Everything about churning the Sapphire Preferred and Reserve: the 48-month rule, one-Sapphire rule, downgrade paths, and optimal timing.
Churning Chase Ink Business Cards
How to churn all three Chase Ink cards for maximum bonuses. Application spacing, 100K bonus strategy, and Sapphire pairing tips.
Chase 5/24 Rule Explained
Everything you need to know about Chase's 5/24 rule: which cards are affected, how to count your status, and the optimal strategy.
When to Cancel or Downgrade
The exact timing for canceling credit cards after churning. Retention offers, downgrade paths by issuer, and annual fee strategy.
Application Rules by Bank
Every major issuer's application rules: Chase 5/24, Amex lifetime language, Citi 48-month rule, velocity limits, and more.
Maximize Approval Odds
Application strategies, spacing, reconsideration lines, and optimal timing to get approved for the cards you want.
Best Amex Cards
Every American Express card ranked — no-annual-fee picks, premium options, business cards, and the lifetime rule explained.
Best Bank of America Cards
Premium Rewards, Unlimited Cash, and Customized Cash compared. Plus the 2/3/4 rule and Preferred Rewards boost explained.
Churning for Beginners
A step-by-step guide to earning your first credit card sign-up bonus. Prerequisites, first card picks, and common mistakes to avoid.
How to Meet Minimum Spend
10 practical strategies to hit credit card spending requirements without buying things you don't need.
Points Valuation Guide
How much are your credit card points worth? Valuations for Chase, Amex, Capital One, airline miles, and hotel points.