My Journey credit card churning

Credit card churning, also known as credit card hacking, credit card flipping or credit card recycling is a process where someone will use credit cards for credit card joining bonuses or signup bonuses to accumulate as many frequent flyer points and other rewards as fast as possible.

It is a way of using credit cards to make money. This is a very popular but little discussed technique in the travel hacking community, also known as point hacking.

You apply for a credit card, make the minimum spend to get the credit card bonus offer, and then cancel it.

Credit cards with big bonus points offers also often feature a discounted first year annual fee, so you avoid the full annual fee you'd pay in the second and subsequent years as well.

Although I will show you how to avoid this annual fee in the step by step guide. This is done on a rinse and repeat basis.

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Credit card companies will try to encourage new users to signup for new credit cards by offering large signup bonuses.

The trap here is that these credit cards have hefty annual fees, as well as large minimum spending requirements. Credit card companies are hoping you will overspend and then not pay off your credit card in time and they will make money off the interest they charge you.

Credit card churning tries to avoid these scenarios to collect points and profit from the value of the rewards. In this guide, I will document the methods I have been using over the last 8 years to point hack and travel hack my way to earning millions of Qantas frequent flyer points and thousands of dollars in rewards.