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Can anyone start credit card churning?

Updated: Jan 15

The short answer is YES! The long answer required me to meet some criteria to be able to start credit card churning.

A man looking at his credit score on a laptop and mobile phone
I had to make sure I had a good credit score to enable me to start credit card churning

What I needed to start credit card churning

To start churning credit cards I needed to meet the following criteria.

  • Be 18+ years of age

  • Have a job that pays more than $35,000 a year

  • Have a good credit score

This is the minimum I needed to start credit card churning. Let's go through these reasons in a little more depth.

18+ years of age

This one is pretty self explanatory. Basically, no bank will give me a credit card if I am below the age of 18.

Annual income

Most credit card companies required me to have an annual income of at least $35,000 per annum to apply for a rewards credit card. This means that I need to have a full time job, part time job, or casual job, where I earn a yearly income of at least $35,000 and can prove it through payslips or other documents. To have access to the more premium credit cards where there are llarger rewards offered, I will need to earn more than $75,000 a year to qualify. If I do not earn these minimum amounts my credit card application will be rejected and show up on my credit report. Too many rejections will adversely impact my credit score so I just don't risk it. Unfortunately, if I don't earn enough, credit card churning will not work for me.

A calculator with a piggy bank on top

Credit Score

A credit score is a metric that financial institutions use to judge how trustworthy and risky a borrower is. A higher credit score signals that a borrower is at a lower risk and more likely to make on-time payments and not default on a loan. Anything above 750 will be considered a good credit score. The higher your score will obviously be preferred. I always make sure I do not have any past defaults and am paying back any loans or credit cards on time. I check your credit score and make sure I have no issues before I get started.

For me, it was very easy to get started and almost anyone can begin the journey of credit card churning. To learn what steps I took when I began credit card churning, please check out my step by step guide guide here.

Like always, if you have any questions, please comment below or contact me. If you don't want to miss out on any new content, then follow me on Instagram or Reddit for more information about everything to do with credit card churning and point collecting.

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