I started Credit Card Churning. In the USA this can bring a lot of income. Each card has different cash-back % per spending category. Also, the cards give sign-up bonuses provided you achieve a minimum spending over a certain time, usually 3 months. After opening so many cards, I got lost which cards give what so I made a quick hint spreadsheet.
Given each category, this spreadsheet tells me which card to use to get the maximum befits.
Chase Cards are interesting because they allow you to transfer points between them and give an additional 25% bonus when points they are used for travel expenses.
I’ve set-up automatic payments on all the cards so I don’t pay a single cent of interest.
My main resources in the USA are:
There are equivalents sites in Canada:
Happy churning to all!