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I recently “churned” my World of Hyatt Business Card so that I could get the new elevated bonus of 60,000 points after $5,000 spend and a free Category 1-4 night after $15,000 spend. Watch my video here for more info.

Churning credit cards is a great way to earn sign-up bonuses again even if you’re planning on keeping the same card. Instead of holding on to the card and only earning 1-5x back, now you can earn the same rate plus with the sign-up bonus on hand.

See how you can do this below.

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Steps for Churning

1. Verify you qualify for the bonus again by checking the card’s T&C’s

2. Call the bank to cancel or downgrade your card

3. Wait about a week, although waiting a whole billing cycle will ensure the old card isn’t in the bank’s system anymore.

4. Apply for the new card and complete the minimum spend to get the sign-up bonus

5. Profit

Finally, below is a quick table on some popular cards to churn (or not) and their respective rules.

What’s In our Wallets (Newsletter Exclusive)

Our lineup for this week is below. See our rationale here just for newsletter subscribers like you.

Matthew: World of Hyatt Business

Sarah: World of Hyatt Business (Matthew’s card)

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About WuhooPoints

WuhooPoints focuses on the credit card consultation side of Wuhoo Group. We help you unlock the power of your credits cards for free luxury travel.