Until you’ve graduated to the point where sign-up bonuses don’t really move the needle, one of your primary churning goals ought to be “always be working on a sign-up bonus”. Specifically, a starting level of this hobby is:
- Open a new card with a sign-up bonus
- Spend either organically or with manufactured techniques until you hit the spend target
- Start over at (1) immediately
Sign-up bonuses are typically worth a 10%-50% rebate on your spend, so don’t worry about category bonuses until you scale up. If you’re worried about 5/24 or other similar issues, focus on business cards, and especially business cards at small banks and credit unions until you graduate to a higher manufactured spend tier.
Happy Tuesday!
PS: Yes, “Always be working the sign-up bonus” isn’t nearly as sexy as “always be probing”, but that doesn’t mean it’s unsexy.
This weird 3D rendering’s message is on-point.