17 thoughts on “27 Months of Sign-up Bonuses: $11,000+, 500,000 Points, and 4 Free Nights

    1. I always recommend starting with the Chase Freedom or Discover IT for those that don’t have experience with sign-up bonuses. They are good cards to keep long term with no annual fees and bonuses that are easy to achieve. Check out the link at the top this post that says “credit card sign-up bonuses” for more information. The links to the cards in that post are also my referral links which I’d greatly appreciate you use if you decide to try them out!


  1. Hey Jerod,

    Loved reading this post as I too love racking up points and benefits. But how much did you have to spend to accumulate all of these points?

    Liked by 1 person

    1. I never actually added it up but let me do it real quick. It comes out to $46,000 in minimum spending requirements. On the surface that seems like an insane amount and it definitely is but there are some secrets involved here. Many bank accounts will allow you to fund your accounts with certain credit cards which counts as spending on the credit card instead of a cash advance. $10,000 or so was probably from funding accounts in that manor and it basically allows you to kill two birds with one stone by funding a bank account for a bonus while simultaneously helping to meet a minimum spending requirement on a credit card. My monthly expenses are on average $1000-$1500/month (depending on the area of the country we are living in at the time) so around $1250 * 27 = $33,750 of my normal living expenses were put on cards that I was in the process of reaching the sign-up bonus. I also did some manufactured spending (google this if you’re unfamiliar) when I first started in order to meet some of the requirements.


  2. I enjoyed the article. I just started toying with this and I’m on my second credit card and third bank account getting bonuses. Question: do you close out the credit card accounts as soon as you get the cash bonus? Any suggestions on getting cash bonuses? That’s mainly what I’m focused on right now.

    Liked by 1 person

    1. I only close the card if it has an annual fee and even then I only close them after a year when the annual fee is due. I wouldn’t close it right away because of the impact on your average age of accounts. There are a lot of cash bonuses but don’t forget that you can sell almost any points and many times they are worth more than 1 cent per point so don’t pass up the big point bonuses just because you’re looking for cash mostly. Do a google search on selling points and you’ll see what I mean! Good luck!


    1. My credit score was 780 when I started. The lowest it’s dropped was to around 750 when I was opening several cards per month but is currently at 768, it really isn’t a huge impact contrary that popular belief. The increased available credit helps to negate some of the decrease caused from the hard inquiries. Hope that helps!


  3. I’ve also been reading your income driven loan repayment posts and my question is, you’ve been able to maintain a pretty high credit score even though your loan balance is growing through the REPAYE program?

    Liked by 1 person

    1. Yeah my credit score really hasn’t changed much since I started on the income based repayment plan. Although my debt is growing, it really isn’t increasing very quickly due to the 50% capitalized interest being forgiven under the REPAYE plan combined with my small monthly payments.


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