A Guide to Credit Card Churning 


Most people have a high affinity for offers and gifts. Credit card companies understand this and make good use of it to get signups. Credit card companies offer to sign up bonuses and rewards for meeting the usage thresholds. Most credit card holders while looking to take advantage of the offers sign up for multiple credit cards.

Even though credit card churning seems like an easy task of only signing up, it comes with several other repercussions you need to understand. These are the vital information about credit card churning:

How Credit Card Churning Affects Your Credit Score 

One of the main concerns that come with credit card churning is the effects on your credit score. On the surface, as long as you can afford to pay all the credit card expenses, you don’t have to worry about the credit score.

On the other hand, credit card churning comes with risks to your score. Before you open a credit card, the financial institution has to make an inquiry on your credit report. Too much of these inquiries affect your credit score. The other concern that comes with credit card churning is your average credit age. Shorter credit history affects your credit score by up to 15%.

In as much as the credit cards might offer lucrative signup offers, they might come with expensive costs. The more credit cards you have, the higher you spend on managing them, which increases your chances of accruing debt. 

Tips for Credit Card Churning 

Now that you understand how credit card churning affects your credit score, you should understand how to keep churn credit cards while maintaining a good credit score. Before you consider picking multiple credit cards, ensure you can afford it. Most of the credit cards come with minimum spending limits. Failure to hit these limits can see you accrue fines leading to debts.

Affording the credit card fees would not make sense if you can’t make the payments on time. Ensure that you pay all your credit card fees on time to preserve your credit reputation. The better your credit score, the easier it is to get more new credit cards. Managing the churning is the easiest way to use credit card to build credit.

Lastly, be selective on the rewards you jump on. Even though free good seems less costly, to avoid any future concerns, only go for the award if it’s something beneficial. 

When to Avoid Credit Card Churning 

While credit card churning seems like the ultimate route to gifts and rewards, they are not the best options at all times.

One of the times to not consider credit card churning is when you have a bad credit score. Your chances of landing other credit cards are slim with a poor credit score. The additional time to avoid credit card churning is when you can afford the minimum spending requirements for the multiple cards.  


Credit card churning is an excellent means to earn rewards and bonuses. The only concern is that it requires experience, a healthy credit score, and you can afford the minimum spending threshold.

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