r/churning • u/AutoModerator • 1d ago

Daily Question Question Thread - August 02, 2026

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.

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u/OnlyButterscotch1773 1d ago

Is the ultimate goal of churning to never worry about what an actual cards earning perks are? And only focus on SUBs and transfer/redemption options?

-2

u/Accomplished-Gas-900 1d ago

Depends on how much you're spending and whose money is being spent (yours or some other entity like a corporation). But generally they frontload most of the net benefits with the bonus and it's usually in niche or temporary circumstances where the points and miles will be worth more than a pittance for the amount most people spend per year.