10 thoughts on “3 Years of Sign-up Bonuses: $11,000+, 1,000,000 points, and 4 Free Nights

  1. What strategies do you have for reaching the minimum spending requirements to get rewards? That is usually the biggest roadblock for me in churning numerous cards. I do have several credit cards that I use for different categories of purchases (cash back). I’m thinking the next time I want to replace a higher priced item (such as laptop), I would get a new credit card for the purchase to help reach the spending requirement and in effect knock a chunk off the price.

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    1. I mainly just use the new card for everyday expenses and to prepay other expenses now. If I don’t have enough regular purchase then amazon or grocery store gift cards are always a good option since they are usually used pretty quickly. In the past I’ve also used different “manufactured spending” techniques such as buying and selling gift cards and loading visa gift cards onto prepaid debit cards. Worst case scenario, you can pay the 3% fee to send money using Venmo or PayPal to meet the spending requirement. 3% is usually a small fraction of the value of the bonus so still worth it.


    1. Hey, thanks for reading! Each bank is so specific in their requirements that you have to take it one at a time. Some need direct deposit, some don’t. Some need you to keep a certain amount in the account for 90 days, others nothing. Some are only available in certain states and some are nationwide.

      The best place to start is the doctor of credit website. They compile a list of the best bank bonuses each month. Check out the list and see if there are any that could work for you then check out the requirements and see if it would be feasible for you to complete! https://www.doctorofcredit.com/best-bank-account-bonuses

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  2. Doesn’t cancelling all those credit cards hurt your credit score? Saw that on another blog post you wrote that you often cancel cards before the annual fee.

    Liked by 1 person

    1. Cancelling cards doesn’t necessarily hurt your credit score, but opening a lot of new accounts which causes hard pulls on your credit can hurt it in the short term. I opened about 20 cards in 12mos and had about a 30 point drop, but now 6 years later after having opened about 45 cards total (and closing at least 75% of them) my credit score is higher than when I originally started.


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