Welcome anon.
You made it inside.
Later in this guide, you’ll see a 30 day action plan to make some money and get some early wins. Confidence skyrockets after your first success. That’s when the real fun begins.
The goal is simple: Earn $10K+ in your first year of credit card churning.
Some (like CheeseMan below) will earn much, much more.
This guide gives you the lay of the land, answers common newbie questions, and points you to your first wins.
⚠️ This is not financial or legal advice. If you’re in debt, unemployed, or can’t pay balances in full, stop here.
1. What is this game?
Credit Card Churning = opening the right cards in the right order, hitting sign-up bonuses (SUBs), and stacking rewards. We’re looking to extract as much value from each card as humanly possible.
How do we hit the minimum spending requirements?
Organic Spending: everyday spending on groceries, bills, online purchases, etc
Business Spending: pretty straight forward. Any money spent on your business: online ads, inventory, etc. This game is perfect for business owners as they already have a lot of spending naturally, so they can turbo charge and optimize their rewards to print money.
Manufactured Spending: In a nutshell, manufactured spending (MS) is about converting credit card purchases into cash (or cash-equivalents) and then using that money to pay the card off. It looks like spending but doesn’t cost you anything out of pocket.
2. Newbie FAQs
Q: How much can I actually make from this?
A: Most members that take action see $10K+ in year one. Some reach $30K+ or $40K+ but that takes more time and usually requires involving a husband/wife/mother/father commonly referred to as P2 or player 2.
Q: Will this hurt my credit score?
A: If done responsibly, no. Paying in full on time usually improves credit over time.
Q: What do I need to get started?
A: Decent credit score (690+ ideally), ability to pay balance in full, 1-2 hours per week to execute
Q: How fast can I win?
A: First signup bonuses can pay out $750-$1,200+ in a short as one statement period (one month)
Q: Can I get a business card if I don’t have a real business?
A: Have you sold anything on craigslist, Facebook marketplace, or did you do anything in exchange for money? Congrats! You have a sole proprietorship, and are eligible for business cards. You can simply use your SSN for the EIN and your First/Last name for the name of the business.
I highly recommend starting with the Chase Ink Cash as your first business card.
People generally have luck following this guide to apply.
Note on Starting Your Own Business:
Beginner Friendly WiFi Money Business (affiliate link below) is
-Amazon FBA Arbitrage Tactics 2.0