Author Topic: Maximize Your Churning (Bank Account & Credit Card)  (Read 20671 times)

Monerexia

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Re: Maximize Your Churning (Bank Account & Credit Card)
« Reply #150 on: February 24, 2020, 10:31:59 PM »
PTF

katsiki

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Re: Maximize Your Churning (Bank Account & Credit Card)
« Reply #151 on: February 29, 2020, 07:52:47 AM »
Anyone doing the latest BBVA offer?  I think I will...  Spouse did a similar one in 2018 or 2019.  It was pretty easy.

https://www.doctorofcredit.com/bbva-compass-200-checking-50-savings-bonus-nationwide-available-online-2/

I signed up in November 2019 and the bonus just posted last week.

Thanks for mentioning your timeline.  Good info.

DadJokes

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Re: Maximize Your Churning (Bank Account & Credit Card)
« Reply #152 on: March 10, 2020, 07:28:08 AM »
I had a couple statements close this week, adding 100k UR points, half from referrals and half from a bonus. 2020 is shaping up to be a great year. I'm still only 3/24 on Chase, thanks to going through a handful of business cards. Below are just the credit card rewards earned so far.

Earned
Cash Value
Travel Value
  Chase UR105,891
$1,059
$1,588
  Southwest RR*133,231
  1,332
  1,998
Total Earned
2,391
3,587
Fees
  Sapphire Preferred
95
95
  SW Premier
      99
      99
Total Fees
194
194
Referral Taxes
      60
      60
Profit
$2,137
$3,333

*Does not include value of Companion Pass
« Last Edit: March 10, 2020, 07:41:26 AM by DadJokes »

Tass

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Re: Maximize Your Churning (Bank Account & Credit Card)
« Reply #153 on: March 31, 2020, 08:08:10 PM »
I'm working on a $300 UnionBank direct deposit bonus; expecting that in mid-May. In February I was rejected for the Barclays AAdvantage Aviator card; now that we can't fly anywhere, that doesn't seem like a big loss! I've been solicited for a Bank of America card, but was previously rejected for it, and my partner was just rejected for it despite having a banking relationship with them (which I do not), so that seems risky. I've been waiting to be solicited for a bank bonus with them before retrying a card bonus.

Meanwhile, I've been keeping my Wells Fargo bank account open as leverage to apply for a card with them, and I've been solicited for the Propel card, $200 bonus on a $1000 spend. However, April-July is also a 5% grocery quarter for the Chase Freedom, and that's my most flexible spending; I'm only expecting about $6-700 in other easily transferable expenses in the next 3 months. (As I've mentioned before, I'm not currently in the manufactured spend game.) Of course, I could just accept the loss of the 5% reward in pursuit of the 20% return for the bonus.

MonkeyJenga

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Re: Maximize Your Churning (Bank Account & Credit Card)
« Reply #154 on: March 31, 2020, 08:54:21 PM »
Meanwhile, I've been keeping my Wells Fargo bank account open as leverage to apply for a card with them, and I've been solicited for the Propel card, $200 bonus on a $1000 spend. However, April-July is also a 5% grocery quarter for the Chase Freedom, and that's my most flexible spending; I'm only expecting about $6-700 in other easily transferable expenses in the next 3 months. (As I've mentioned before, I'm not currently in the manufactured spend game.) Of course, I could just accept the loss of the 5% reward in pursuit of the 20% return for the bonus.

I was just approved for Propel! I guess I'll use Freedom for groceries until I get the Propel card, thanks for heads up on the 5% back. I can't do manufactured spend either.

Tass

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Re: Maximize Your Churning (Bank Account & Credit Card)
« Reply #155 on: March 31, 2020, 08:59:52 PM »
I was just approved for Propel! I guess I'll use Freedom for groceries until I get the Propel card, thanks for heads up on the 5% back. I can't do manufactured spend either.

Make sure you activate the 5% earning! You should get an email about it, or you can log into the website and look for "5% categories."

v8rx7guy

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Re: Maximize Your Churning (Bank Account & Credit Card)
« Reply #156 on: March 31, 2020, 09:04:13 PM »
Planning on moving my emergency fund to CIT to get a $300 bonus an 1.75% rate.  Gotta make SOME money with my money in these crazy times...

MonkeyJenga

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Re: Maximize Your Churning (Bank Account & Credit Card)
« Reply #157 on: March 31, 2020, 09:20:17 PM »
I was just approved for Propel! I guess I'll use Freedom for groceries until I get the Propel card, thanks for heads up on the 5% back. I can't do manufactured spend either.

Make sure you activate the 5% earning! You should get an email about it, or you can log into the website and look for "5% categories."

Just did! Thanks. I'm also encouraging my bf to apply for Freedom, so he can get the signup bonus *and* the 5% back.