Just over every three months, I apply for rewards credit cards.  It is no secret that credit card sign-up bonuses are the quickest and easiest way to rack up a ton of miles and points in a hurry (at least for those of us lucky enough to be based in the US where the offers are plentiful).  Sure, there is the “work” of having to keep up with more credit… Read the Rest.

When most people first hear about credit card churning (applying for multiple rewards earning credit cards approximately every 3 months) their reaction is usually something along the lines of “Won’t that hurt/ruin my credit!!”. The reality is that for some folks it can temporarily hurt credit scores due to the increased number of inquiries and the decreased average age of account. Prior to churning cards my credit score was around… Read the Rest.

On Friday last week I applied for three rewards-earning credit cards.  Many in the miles and points world refer to this as a “churn”.  The definition of “churn” can mean applying for the same card over and over, or it can mean applying for rewards earning credit cards in batches even if you have never had them before.  In this case my definition of churn is the latter. First, I… Read the Rest.

Thanks to travelisfree on this Flyertalk thread for sharing a promo from Freecreditscore.com that will award 3,000 Southwest Rapid Reward points (worth $50 in Wanna Get Away Fares) after you have two paid months with Freecreditscore.com.  So, for $14.95 per month for two months = 29.90, you get two months of this credit score service and the equivalent of $50 in Southwest points. The Flyertalk thread referenced above mentions that… Read the Rest.

Earlier this week when I posted about getting my two most recent rewards credit cards, a discussion started in the comments section (often my favorite part of the blog) about whether I should have done a business and a personal credit card from the same issuer, instead of a business and personal card from two issuers.  The thinking was that those two inquiries made on the same day, with the… Read the Rest.

I like to post not only about getting great credit card sign-up bonuses, but I also like to post about what applying for those great cards does to my credit score.  I have always found that sort of information very interesting, so I think it is only fair to share my experiences in return.  I put the word like in quotation marks, because my credit score always seems to take… Read the Rest.

We all know that the huge hauls of 50,000, 75,000, and 100,000 miles are typically only to be had by credit card sign-up bonuses.  Unless of course you happen to get a purchase that amounts to 83,871 American Airlines Aadvantage miles for a $5.00 Verizon Wireless phone accessory honored.    In addition to the huge sign-up bonuses, rewards credit cards also help our family bring in lots of points just… Read the Rest.