Those of you that have over 10 credit cards, if you are upto it could you list every credit card that you have that is open even if you don't use it. I am curious to see what cards repeat the most specifically for the churners if you only have 6 credit cards like me or even less please don't bother commenting your 3 cards, I am just curious about the setup from people with massive credit card stacks. Thanks.
For the churners that live here, could you list your full stack?
byu/Sufficient_Fish_283 inCreditCards
Posted by Sufficient_Fish_283
16 Comments
Started 2 years ago
Apple Card
Chase Sapphire Preferred 65,000 UR
Chase Freedom Flex $200
Amazon Prime Visa $200
United Explorer Card 75k miles
Allegiant Allways Card $200 + 10,000 miles (so stupid of me)
Discover it $100 plus 10% on rotating categories
Amex blue business cash $250
Fidelity Visa $150
Kroger Credit Card $100
Amex Gold 80,000 MR
I’m kind of bad at churning tbh, didn’t wait for elevated offers in the beginning and got some stupid cards
24 Open right now
C1VX
C1 Spark
C1 Quicksilver
Chase BA
Chase Freedom OG x 2
Chase WoH
CIP
CIC x 2
AMEX Biz Plat x 3
AMEX Biz Gold
BBP
BBC
USB Cash+ x 2
BofA PRE
BofA PR
BofA CCR
BofA Biz CCR
Citi old SYW
BILT Palladium
I’m a light churned
Chase Amazon’ prime
Ink cash
Ink unlimited
Ink cash
CSP
Amex biz gold
Bought a house last year so took some time off. Plus ink train sorta derailed
Eying a new cart shortly
• Discover Cash Back Card, Aug 2003
• BofA Atmos Ascent Mar 2020
• Apple Card Oct 2021
• Chase SW Priority June 2024
• Chase Marriott Boundless, June 2025
• Chase UA Explorer, July 2025
• Chase Ink Biz Cash, Sep 2025
• Amex Biz Gold, Oct 2025
• Chase Sapphire Preferred, Dec 2025
• Amex Blue Biz Plus, Jan 2026
• Chase Freedom Unlimited, Jan 2026
Canceling SW card before renewal.
Lmfao
16 here. I’m planning on reducing a few of these this year as their annual fees are coming due. Starting with my Aspire card.
Credit one x3 <I know I KNOW, they were some of my first ones years ago lol>
C1 Quick Silver
C1 Savor
Apple Card
Misson Lane
Merrick Card
Premier Bank x2 <see credit one comment lol>
Aspire <horrible also>
First Savings
Amex BCE
Amex Gold
US Bank Altitude Go Secured
Amazon Prime Visa
AmEx: Platinum, Gold, BCE, ED
BofA: CCR
Chase: CSR, CFU, OG CF, PV
Citi: Costco Visa
FirstEnt CU: Platinum Visa
FNBO: Chrysler MasterCard
Goldman Sachs: AppleCard
Discover It, Apple Card, Ink Cash, WF Active Cash – all opened before I knew what I was doing.
After that: Venture X, Amex Gold, BBP, Hilton Surpass, Custom Cash, Sapphire Reserve
CSR
Chase OG freedom
Chase freedom flex
VX
Savor one
Discover IT
Amex BBP
Amex Marriott business
3x Amex aspires
Fidelity Rewards
Citi Custom Cash
Costco Visa
Target card
15 cards
Citi Custom Cash #1
Citi Custom Cash #2
Citi Custom Cash #3
Citi Custom Cash #4
Citi Costco Anywhere
Citi Double Cash
Amex Everyday (no longer exists)
Amex Skymiles Blue (upgrade/downgrade game)
Amex Blue Cash Preferred (got SUB, downgrading after AF hits)
Amex Hilton Surpass
Amex Gold (got SUB, canceling after AF hits)
Chase Amazon Prime
Chase OG Freedom (Visa)
Chase OG Freedom #2 (Visa)
Chase Marriott Boundless
Discover IT
PayPal Debit Card (canceling before Aug 1st when nerfed)
USBank Cash+
US Bank Altitude Connect Visa
Wells Fargo Attune
Fidelity Cash Rewards
Next Card: Choice Privileges Select (once eligible for SUB again)
Chase Freedom Flex
C1 Savor
Fidelity Rewards
Citi Custom Cash
Discover IT
Amex BCP
Amex Green
Citi Cosco
Apple Card
USB Altitude GO
Chase Freedom Unlimited
USB Smartly
Robinhood Gold
Bilt Blue
Amazon Prime
Amex—
– plat
– gold
– delta gold
– Hilton business
– Hilton honors
– blue cash everyday
– Bonvoy brilliant
– Aspire
Chase—
– Sapphire preferred x2
– Ritz Carlton
– Hyatt
– IHG premier
– Ihg premier business
– Ink cash
– Ink unlimited
– Ink preferred
Capital one—
– Venture x
– Quicksilver
– Venture
– Platinum
NFCU cash rewards.
PenFed Pathfinder and Gold
Discover It x2
WF autograph
USBsnk shield and Cash+
Amazon store card
Mission lane
Citi:
Dividend (July 2010), PC to Custom Cash in 2025
Aadvantage Platinum Select (September 2025)
Capital One:
Venture (July 2019), PC to Quicksilver in 2023
Venture X (July 2023), will PC to VentureOne before annual fee
Amex:
Platinum (December 2022)
Gold (February 2023)
Delta Gold (March 2023), PC to Delta Platinum in 2024
Delta Biz Plat (March 2026)
Chase:
Sapphire Preferred (October 2024)
Ink Cash (January 2025)
Amazon Prime (June 2025)
Ink Unlimited (October 2025), will close when 0% promo ends
Barclays:
Bank of Hawaii Hawaiian Airlines (May 2026)
Bank of Hawaii Hawaiian Airlines Biz (May 2026)
Currently 4/24, but with the Ink Train derailed, nothing from Chase I’m really looking at. Would love a CSR because my local Chase lounge is the nicest lounge I’ve ever been in, but I can’t justify the fee relative to the value from the credits. I’ll take my 1 priority pass visit per year and cry as I walk past it on my way to the worst Delta lounge I’ve ever been in.
Next move is likely to be a Citi Strata Premier, BBP.
Long term setup is very Amex heavy.
Not exactly 10 but I have 9. In order:
Discover It Chrome
Wells Fargo Autograph
Delta Gold (now Blue)
Capital One Venture X
Chase Sapphire Preferred
Delta Business Gold
World of Hyatt
Chase Freedom Flex
Marriott Bonvoy Business
I have over 30 cards open and around 12 or so bank accounts.
Too many to list but the usual suspects.
Just started last year,
Amex Gold
Chase Freedom and Preferred and Chase Amazon
Robinhood Gold
Starter cards:
Discovered (canceled)
Venmo (canceled)
Got like 80K points for each Amex and Chase that I’m saving for a trip. Going to cancel Amex gold and Prefered before my annual payment is due. Looking at Capital one or City for my next cards.
Goal is to travel so get card points in signup and then cancel and continue.