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Cardpe Diem

A travel blog for the points and miles enthusiast

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Churning

Winter
Credit Cards, Points and Miles Churning, Results

Credit Card Applications and Results: Winter 2018

June 16, 2019

Things have slowed down even more since my last results post. The spending requirements on these cards were higher than the typical $3,000, making it harder to churn cards quickly. My husband is still under 5/24 so over the past year and a half, we’ve made our way through the portfolio of Chase cards. My goal…

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fall mountain scene
Credit Cards, Points and Miles Churning, Results

Credit Card Applications and Results: Fall 2018

February 10, 2019

Things have slowed down a bit since my last results post. My husband is still under 5/24 so we are slowly making our way through a mix of Chase cards and business cards from other banks. Here are our credit card applications and results for Fall 2018. My Applications This is the first quarter in a…

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Airplane in the sky
Credit Cards Churning

Bank of America’s New 24-Month Anti-Churning Rule

January 6, 2019

Bank of America doesn’t have the best credit card rewards, but the ability to churn Alaska Airlines credit cards made it a staple of many churners’ wallets. Back in the day, you could open multiple of the same card in a very short timespan. Slowly, Bank of America has added rules to prevent this. Last…

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bookshelf
Credit Cards Churning

An Annual Fee “Loophole” for Massachusetts Residents

December 2, 2018

With credit card churning, it’s common practice to cancel a card before the annual fee is due in the second card member year. The cancellation period varies by card issuer, but generally you have some grace period to get the annual fee reimbursed after it posts to your account. However, based on a law in…

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Beach
Credit Cards, Points and Miles Churning, Results

Credit Card Applications and Results: Summer 2018

October 21, 2018

Not going to lie, we went HAM on the credit card applications since my last results post. This year we’ve had/have a lot of big payments so why not pick up a ton of sign-up bonuses? Here are our credit card applications and results for Summer 2018. My Applications Chase World of Hyatt Credit Card Chase…

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Spring flowers
Credit Cards, Points and Miles Churning, Results

Credit Card Applications and Results: Spring 2018

June 17, 2018

Since my last results post, we’ve been taking it even slower with opening new cards. This is the fewest cards we’ve opened in a quarter since we caught the churning bug. Here are our credit card applications and results for Spring 2018. My Applications CitiBusiness / AAdvantage Platinum Select World Mastercard Citi and I haven’t…

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Credit Cards, Points and Miles Churning, Results

Credit Card Applications and Results: Winter 2017-18

April 8, 2018

Since my last results post, we’ve been taking it kind of slow. I’m focusing on business cards for the foreseeable future while my fiancé works on Chase cards until he is no longer under 5/24. Here are our credit card applications and results for Winter 2017-18. My Applications American Express Business Gold Rewards I decided to…

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Credit Cards Churning

Credit Cards I’ve Actually Churned

February 11, 2018

A lot of people refer to this hobby of collecting points and miles as credit card churning, but what does that actually mean? People define churning differently. For some, it’s making butter. For others, churning means opening a bunch of different credit cards for the sign-up bonus. For the purposes of this blog, credit card…

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Airplane window
Credit Cards, Points and Miles Churning, Results

Credit Card Applications and Results: Fall 2017

December 24, 2017

As I mentioned in my last applications and results post, my fiance and I both have been active with new credit card applications after his yearlong hiatus. This fall didn’t play out too favorably for me, which indicates I may need to take a break soon. Here are all of our applications for Fall 2017.…

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Skyline
Credit Cards, Points and Miles Churning, Results

Credit Card Applications and Results: Summer 2017

October 22, 2017

I’ve slowed down on the credit card applications a bit since last Spring, but my fiance is now back in the game! With a wedding to pay for, we have lots of big payments coming up over the next year which is perfect for earning credit card sign-up bonuses. Here are our credit card application results…

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Cardpe Diem is my space to share how I use credit card bonuses to subsidize my travels. Credit card churning is my hobby that helps fuel my passion, traveling.
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