When is it Safe to Churn Credit Cards

Sign up for Robinhood Gold here (the credit card is separate application): https://bit.ly/4ax33Yk
This video is about how and when to churn credit cards, what it does to your score and when you can safely churn them. I also cover some of the core credit cards I like to use and some of the ones that are worthy of churning.

Note all these cards has their own credit score requirements and are generally pretty high except for Discover which tends to be a starter card.
I don’t have many referral links for these, but I’ll put them if I have them.

Core Cards:
Chase Freedom (5% rotating categories, they pick it)
Discover (5% rotating categories, they pick it)
Robinhood Gold ($50/year membership fee, 3% cash back, no foreign tx fees)
USBank Cash+ (5% Utilities, you select it yourself quarterly but can stay the same)
USBank Altitude Go (4% Restaurant, fall back card when we do not have 5% Restaurant categories)
BofA Customized Cash Rewards (5.25% Online, 3.5% Costco, require Premium Rewards tier)

Cards worth churning (usually $200 cashback on $500 spend in 3 months):
Wells Fargo Active Cash Visa
Sofi World Elite Mastercard

Don’t beat around the bush, beat the bush!
I enjoy a good discussion but I like getting to the point even more.

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