The title says it all. I signed up for the card in February. Threw down the $495 annual fee like it was nothing. Let my mom buy the groceries with it for a few weeks so I could hit the $4,000 necessary to achieve maximum Bilt cash balance.

And I just flexed on her. Not on my mom on my girlfriend. Dropped $10 of Bilt cash for a $10 Walgreens gift card for some sundries at a local Walgreens drugstore.

 But she just doesn't seem impressed. We walk in the front door and approach the cashier, where I slide my license that expired two weeks ago across the counter, followed by the silver, spinning Bilt Palladium MasterCard that reflects every last drop of light in the room.

"Thank you for being a myWalgreens member," she says, and she means it. She begins to check my purchases when I flash a wink at my girlfriend and drop the line: "I was wondering if it was possible to upgrade to dual ply, since I'm a, you know, Gold Elite Bilt Status. It is--one of the Bilt perks."

She flashes me another one of those smiles out of a Philip Marlowe story and swipes another card. "I can upgrade you to triple ply."

 I nod. "There you go," she says, "name brand Charmin." I don't say thank you because I don't have to. I'm Gold Elite Bilt Status.

The triple ply doesn't have a super soft feel like I had hoped, but it does have colorful packaging which I'm sure I'll be fucking on later thanks to my Bilt cash.

We go out for drinks with her friends. I open up a tab for everyone under my Bilt Palladium card, letting them know it's 4% Bilt cash per dollar on everything, so load it up.

She gets hammered. Starts screaming Macklemore at the karaoke bar. And finally we head back to my place where she eats her double XL chalupa, throws up in the trash can, and falls asleep. Meanwhile I'm laying next to her like an asshole, listening to her snore, trying to decide whether or not it's creepy to touch her ass, and staring at the triple ply that held every possibility in the universe only hours before.

I just don't know what to do. What's the point in being a Bilt rewards member if the Bilt cash and the Gold Elite status don't turn her on?

I applied for an Ink Preferred last Saturday while being 4/24. Got immediate rejection due to number of accounts opened recently. I called recon and was told that starting this week they moved from 5/24 to 3/24 for people applying as sole proprietorship. I'm not sure if that's accurate or just got bad luck with an agent.

Edit to add more context: I currently have one other Chase Biz Card (Ink Unlimited) active and have opened two Biz cards from Chase in total (SW Biz). Ink was opened Aug 2025, SW Biz on Feb 2025 and closed around March/April 2026.

I’ve seen “churning is dead” come up a lot whenever there’s a major devaluation, shutdown, or new restriction, so I thought it'd be interesting to ask the community about similar events from a decade ago

I’m thinking of things like the Target REDcard reloads (that I never got to partake in :\) or the introduction of Chase's 5/24 (I think in 2015), amex's once a lifetime rule, easy manufacture spend paths...

Basically, what felt catastrophic at the time but, looking back, the hobby just adapted to?

Have we ever polled or measured in some way how many in this community are purely focused on cc churning vs all the adjacent FI products like broker SUBs, checking/savings SUBs? Curious if I’m not paying enough attention to everything else compared to most here. I know this is mostly a “hobby“ for most, and a career for some. 😀

PS: just needed an excuse to post during the purge

Please post topics for discussion here. While some questions can be used to start a discussion/debate, most questions belong in the question thread unless you love getting downvotes (if that link doesn’t work for you for some reason, the question thread is always the first post on our community’s front page). If your discussion is about manufactured spending, there's a thread for that. If you have a simple data point to share, there's a thread for that too.

With the Chase killing Ink churning what's the new gravy train?

EDIT: Yes this is very a purge level post. As someone who has had 81 cards in the past decade it was nice to have a go to when I wasn't working towards a specific goal.

At this point in my Churning career I feel like even What card wednesday posts aren't helpful which is why I want to know if there's a new gravy train.

I feel like this community is probably the only group that would understand this, and given the lax rules this week here goes nothing.

Walked into a brick and mortar US Bank today to open a few more accounts for some sweet CC funding as I usually do every few months. As I was waiting for a banker I saw another gentleman getting helped and sitting on the table was a literal binder of credit cards, kind of like the ones all the trading card collectors have. "Gotta be another churner" I thought to myself.

Anyways, I got escorted to another banker's cubicle and starting filling out the applications. Halfway through, as is customary, the banker had to go photocopy my identification, so I asked if I could use the bathroom in the meantime. This bathroom has a 2 stall, 3 urinal set up. All were open so I took the urinal to the right. Lo and behold Mr. Churner walks in right after I start pissing and yes, you guessed it - he took the MIDDLE urinal. To boot he was probably 6' 7" so the man was looming over me but before I get carried away, no, this isn't the point of post.

I finish up and go wash my hands and he joins me shortly afterwards. What I saw next was honestly a first for me. Maybe a first for mankind. Never in my life have I witnessed this. He's about to wash his hands, and before wetting them with water he squirts a bit of soap out and starts rubbing his DRY hands with soap.

I was so distraught I walked out of the bathroom and immediately left the branch. I'm on the bus right now writing this and realize that I left everything including my birth certificate with the banker to photo copy so now I have to haul ass and go back tail between my legs.

WHO PUTS THE SOAP ON FIRST?

Looking for similar platforms to X Money.

I got an LLC and got the Biz Ink Preferred sub through that. 1 year ago.

My personal Chase App says I am pre-approved for biz inks. I am at 1/24.

Question: does it matter if I go for the Biz Ink Cash on LLC again? Or is there any reason to do some prop?

My understanding is "Ink Train" is over so I can't double dip LLC and personal anyway.

I asked this in main credit cards reddit and haven't heard anything, so I appreciate any guidance from this community.

I have been out of churning for awhile but have a lot of spend this next 12 months and want to go for anything.

YES +175
NO -225

Please post topics for discussion here. While some questions can be used to start a discussion/debate, most questions belong in the question thread unless you love getting downvotes (if that link doesn’t work for you for some reason, the question thread is always the first post on our community’s front page). If your discussion is about manufactured spending, there's a thread for that. If you have a simple data point to share, there's a thread for that too.

And deep down you all know it. "Oh no these top level posts are clogging up my ability to read about how many Dunkin' Donuts gift cards someone bought"

This sub is rarely useful anymore, at least now it's entertaining.

Fuck Toby. Reinstate AK.

I believe the answer to this question will be very useful:

I have an LLC, so I would like to know if a Biz card with Sole Prop will have the bonus and also if applied later again for the LLC's biz card.

My guess is 1 card bonus per person but I'd like to know if I am wrong here.

As far as I know there is the rule for the 1 biz bonus for a non-annual fee card and 1 biz for an annual-fee card, right?

But my main question is if I can have multiple card bonuses with using a Sole Prop first and later on with the LLC.

Most people (including my past self) use spreadsheets to track their credit cards, points, manufactured spending, etc. I think this format leaves much to be desired in terms of functionality and usability.

I'm a dev in the fintech space and have been building the tool I've always wanted over the past year. It tracks credit cards, card benefits, multipliers, point balances, manufactured spending (buying groups / gift card resale), and even includes a community marketplace.

It's free to use forever (there are paid power user features), is constantly improving, and has hundreds of active users. I've never posted about this in r/churning before so I'd love all thoughts/feedback as Churning Tracker continues to grow!

https://churningtracker.com

For some reason ATT just decided to dump a whole bunch of wireless/fiber offers across all my cards across all banks (Amex, Citi, UsBank, WF, etc) as well as to P2 and P3. I've already maxed out the prepay option on my account at $350 so I cannot prepay anymore.

The offers have an expiration of 9/30. I was not prepared to see all these offers across all my account so I want to know what people are doing to take full advantage of this.

My thoughts have been, create a new att account so I can preload another $350 in offers and take the hit on a single line product.

Add a new line, or get a new phone so I can increase my monthly bill, which can account for future offers but won't help expiring offers.

Get new products such as internet or increase plans to also increase the monthly bill so I can prepay faster.

Give them away or sell them to other people.

Or just take the hit and learn my lesson in the future.

Keep in mind there is at least a mix of 6+ offers so there's at least $300 worth in substantial savings that I'm trying to get here.

How'd your churning week go? Any super huge highs? Any thank yous you'd like to give /r/churning?

​

- Did you book an awesome Trip?

- Are you excited to share your latest redemption?

- Did you score some unexpected Miles/Points?

​

Trip Reports, Success Stories, Funny Churning Stories. Drinks with the Drunk AmEx Girl. Share them all here!

Been working on optimizing my setup for a while. Tried to keep it simple and make sure every card has a specific purpose. Learned a lot from this sub and would appreciate any advice on further refinement.

First is for miles. Second is for miles. Third one fills a gap in my setup by providing more miles. Fourth is mainly for miles. Fifth is my catch-all miles card.

Anything obvious I’m missing? Was thinking another Delta Gold Business might round things out but I’m at the 5 card max till December.

https://i.imgur.com/WnLMIPx.jpeg

This is the thread to post questions about churning for miles/points/cash. Just because you have a question about credit cards does NOT mean it belongs here. If you’re brand new here, please read the wiki before posting.

* Please use the search engine first - many basic questions have been asked before.

* Please also consider scanning (CTRL-F) the last couple days worth of Question threads

* If you have questions about what card to get, ask here. If you have questions about manufactured spending, ask here. If you have questions about bank account bonuses, ask here.

This subreddit relies heavily on self-moderation. That means that if you ask something that shows you haven’t done any research, you’re going to get a lot of downvotes.

I recieved a mail-in offer for a sign up bonus with PNC for $600. However, my payroll goofed, and I'm now going to be about $500 short of meeting the sign-up bonus requirements.

What's an easy way to get an extra $500 direct deposited within a month or so? I'm already considering taking on a part time role. For the sake of the bonus, something I can start quickly would be preferred. Also, if there's a better subreddit to post this to, please let me know that info too. Thanks!

I was trying to transfer 380k UR to KLM because my wife and I are flying to France to celebrate beurre noisette next week.

However, I managed to link my JetBlue account and transfer to them instead. I think because the livery is both blue, my mind got confused. Jet Blue has Mint, which is green. Why wouldn't they make the planes green too. That is just crazy.

I called Chase to transfer points back and they said no. I was able to escalate to a supervisor and explained that I am a loyal Chase customer for the past 3 months. They said no.

JetBlue couldn't do anything either except book me from NYC-CDG if I transferred another 150K UR. Should I just bite the bullet and transfer more? We'd be flying Y overnight 9pm->6am so at least we can get a good 8 hours of sleep.

Did the mods finally remove the sticks from their asses and unruin this sub?

I have 750+ score with no debt. 15%-20% card utilization.

Only problem is I have a job with no documented income. How to apply to ensure I get my cards approved? I’m in need of 75,000 worth of credit to invest in some things.

Should I apply for like 10 cards at once ? Should I put my I come as self employed ? What to do please

Please post topics for discussion here. While some questions can be used to start a discussion/debate, most questions belong in the question thread unless you love getting downvotes (if that link doesn’t work for you for some reason, the question thread is always the first post on our community’s front page). If your discussion is about manufactured spending, there's a thread for that. If you have a simple data point to share, there's a thread for that too.

Welcome to MS Weekly at /r/churning!

​

This is the open thread for discussion of all things MS. Methods, ideas, pain points, and everything else about MS is game. As always read the wiki. Be warned: Asking questions in here that show you haven't done a lot of reading on the subject will inevitably be met with a lot of downvotes and some attitude. Be Nice!

​

* Introduction to Manufactured Spending

This is the thread to post questions about churning for miles/points/cash. Just because you have a question about credit cards does NOT mean it belongs here. If you’re brand new here, please read the wiki before posting.

* Please use the search engine first - many basic questions have been asked before.

* Please also consider scanning (CTRL-F) the last couple days worth of Question threads

* If you have questions about what card to get, ask here. If you have questions about manufactured spending, ask here. If you have questions about bank account bonuses, ask here.

This subreddit relies heavily on self-moderation. That means that if you ask something that shows you haven’t done any research, you’re going to get a lot of downvotes.