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Why Credit Card Churning Doesn’t Hurt Your Credit Score (That Much)
Credit bureaus consider a variety of factors when determining credit scores, not just the quantity of credit lines or their duration. Regularly paying off credit card balances in full is crucial to maintaining or improving credit scores.
The Basics of Credit Card Churning
Credit card churning is a practice that involves repeatedly opening and closing credit cards to take advantage of sign-up bonuses. By churning, you can earn significant rewards, including points, miles, and cash back. However, it’s important to approach churning responsibly to avoid damaging credit scores. How Churning Works: To churn a credit card, you apply…
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The Chase Sapphire Preferred® Card and the Capital One Venture Rewards Credit Card are popular travel credit cards that offer valuable rewards and benefits. The Chase Sapphire Preferred® Card typically offers a sign-up bonus of 60,000 Chase Ultimate Rewards points after spending $4,000 on purchases within the first three months from account opening. These points can be redeemed for travel, cash back, or gift cards. Cardholders earn 5x points on travel purchased through Chase Ultimate Rewards, 2x points on all other travel purchases, 3x points on dining, select streaming services and online grocery purchases, and 1x point on all other purchases. The card has a $95 annual fee. The Capital One Venture Rewards Credit Card usually offers a sign-up bonus of 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening. These miles can be redeemed for travel, cash back, or gift cards. Cardholders earn 2x miles on every purchase, every day. The card has a $95 annual fee. Both cards offer travel insurance benefits such as trip cancellation/interruption insurance, auto rental collision damage waiver, and baggage delay insurance. The Chase Sapphire Preferred® Card provides additional benefits such as purchase protection and extended warranty coverage. The Capital One Venture Rewards Credit Card offers global entry or TSA PreCheck credit. Ultimately, the best card for an individual depends on their spending habits and travel preferences. Consider how you plan to use your rewards and which benefits are most valuable to you when making your decision.
# Chase Sapphire Preferred vs. Capital One Venture: Which Travel Card Reigns Supreme? Choosing the right travel credit card can feel overwhelming. After all, the market is flooded with options promising the best rewards and benefits. But as someone who’s spent years maximizing credit card rewards for incredible travel experiences, I’m here to break down…
The Chase Sapphire Preferred® Card and the Capital One Venture Rewards Credit Card are popular travel credit cards that offer valuable rewards and benefits. The Chase Sapphire Preferred® Card typically offers a sign-up bonus of 60,000 Chase Ultimate Rewards points after spending $4,000 on purchases within the first three months from account opening. These points can be redeemed for travel, cash back, or gift cards. Cardholders earn 5x points on travel purchased through Chase Ultimate Rewards, 2x points on all other travel purchases, 3x points on dining, select streaming services and online grocery purchases, and 1x point on all other purchases. The card has a $95 annual fee. The Capital One Venture Rewards Credit Card usually offers a sign-up bonus of 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening. These miles can be redeemed for travel, cash back, or gift cards. Cardholders earn 2x miles on every purchase, every day. The card has a $95 annual fee. Both cards offer travel insurance benefits such as trip cancellation/interruption insurance, auto rental collision damage waiver, and baggage delay insurance. The Chase Sapphire Preferred® Card provides additional benefits such as purchase protection and extended warranty coverage. The Capital One Venture Rewards Credit Card offers global entry or TSA PreCheck credit. Ultimately, the best card for an individual depends on their spending habits and travel preferences. Consider how you plan to use your rewards and which benefits are most valuable to you when making your decision.
# Chase Sapphire Preferred vs. Capital One Venture: Which Travel Card Reigns Supreme? Choosing the right travel credit card can feel overwhelming. After all, the market is flooded with options promising the best rewards and benefits. But as someone who’s spent years maximizing credit card rewards for incredible travel experiences, I’m here to break down…
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David
David is a long-time credit card churner who is always searching for the next card for the next trip
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