Planning My Next Card Churn / App-O-Rama

It’s about that time, folks. I don’t have a specific day for my next round of credit card applications, but I know that time will come soon (and before the holidays). I’m looking to do a few apps for myself, but not for Joann this time around. We’re keeping her credit untouched in case we need to apply for a car loan in the near future.

I know there are a lot of good cards out there, but I want to focus on a few key programs – United/Continental, American Airlines, US Airways, and Starwood. To clarify, I have already used the following cards for their bonuses:

  • Chase Sapphire Preferred
  • Chase United [old] Mileage Plus
  • Chase British Airways Visa Signature
  • American Express Platinum
  • Citi Platinum Select Visa Signature
  • Citi Select American Express

Here are the top 4 cards that I’m looking to churn next:

Chase United MileagePlus Explorer: I am a United Elite and have been targeted for the 50k offer after first purchase. I will probably end up keeping this card as we mainly fly UA/CO and Star Alliance has, in my opinion, the best partner availability for redeeming awards. I have the majority of our eggs in this basket. Link

CitiBusiness American Airlines Visa: Gone are the days of the 75k offers that were easily churnable, but we still have this offer for 50k miles after $2,500 spent in 4 months. I have about 160k AA miles that I want to get up to 270k so we can be set for a First Class award to Asia on Cathay Pacific. Link

US Airways Premier World MasterCard: After the Grand Slam promo comes to a close, I will have about 95k Dividend Miles. I want to add to that total and this cards offers 40k miles after first purchase along with 10k miles every anniversary. Not bad for an $89 annual fee that is waived the first year! Link

American Express Starwood Preferred Guest Business: This is exactly like the current Amex SPG card I currently have and use for my daily, non-bonus expenses. The only difference is that this is the Business version and you are allowed to have both a Personal and Business version of the same card. It will yield 10k Starpoints after first purchase and 15k Starpoints after $5,000 spent within 6 months. I value the Starpoints for their Starwood hotel redemptions and also for their transfers to both AA and US at 20k Starpoints = 25k AA or US miles.

Those are the 4 main cards I want to pursue. I’m also considering the 2 Citi ThankYou cards for 50k each, Chase Hyatt, the 30k Chase Freedom, but am unsure if I should do a HUGE churn like many of you do.

Do you have any advice for me? What’s up next for your big, app-o-rama??? Help me out here, guys!

Note: I don’t get any referral bonuses for those links. I think most of them are generic, but it’s a possibility that someone else could get paid for them. Just wanted to let you all know.

1 Comment Planning My Next Card Churn / App-O-Rama

  1. Anonimouse

    The great thing about the Chase Freedom is that it’s no-fee, so you can keep it in the drawer for a long time, to be used for the UR Mall bonuses when appropriate (or to donate $1500 to charity this quarter).

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