![]() ![]() Bonus: Sign-on bonus of the card you applied for.Rewards Name: Name of the card’s rewards network.Uses the Next fee date and Annual Fee columns.Days until next fee date: Uses formulas to calculate how many days are left until your next fee.Next fee date: Uses formulas to calculate when your next fee date is.First year waived?: Many cards waive their first year’s fee but some do not ( Chase Sapphire Reserve, Delta AMEX Platinum, Chase Hyatt etc.).Annual Fee: The annual fee associated with the credit card.Age: How long you’ve had the credit card for and factors into your credit score’s average age of credit calculation.This affects your credit score, and business cards are not included Inquiry?: Credit inquiries stay on your credit report for two years.This factors heavily into your total credit limit. Credit Limit: Credit limit you were approved for.Card Type: Visa, Mastercard, American Express, Discover etc.Business cards do not affect your personal credit report Type: Whether it is a personal or business card.For the most part, anyone with any excel experience should just follow my inventory and copy/delete rows accordingly to populate your inventory accordingly. I will explain everything necessary for those wanting to get the full use out of the spreadsheet. To download offline, click the red button above, then click file > download as > Microsoft Excel Using the Credit Card churning spreadsheetĪs someone that works with spreadsheets regularly, I’ve included some functionality like conditional formatting and formulas that an Excel novice might not understand. It’s easy to download it and use with Microsoft Excel as well. The spreadsheet is in Google Sheets because if I update it in the future, it will be easy to access. Feel free to regularly check on this sheet to see what I’m up to when it comes to churning. Every card I open and close will be updated in this spreadsheet. Note that this spreadsheet is my live, and current credit card inventory. There’s numerous columns in this spreadsheet that captures everything you need to know about you card, as well as conditional formatting to provide alerts. It will help you avoid paying excessive annual fees, remind you when your bonus period expires, and track canceled cards. The spreadsheet is simple, yet effective. As I’ve written before, it’s not about spending money on the credit card, as much as it is about pocketing the sign on bonuses when it comes to abundant and free travel. The spreadsheet I created focuses specifically on credit card bonuses and churning. Credit Card Rewards and churning Excel spreadsheet Make sure to read my review post to see how I was redeemed enough points for a 5 night stay at this amazing resort ($4k a night). I’m always applying for new credit cards to get the sign on bonus and therefore, my spreadsheet tracks everything from credit limits, credit score impact variables, time to next annual fee, and more.Īfter churning through dozens of Chase Ink credit cards, my spreadsheet is the template that allowed me to get millions of Chase Ultimate Rewards points and stay in places like the Ritz Carlton Maldives. For a list of all my credit card and travel hack related posts, click here.This is also my spreadsheet which I use to track my net worth on my path to achieving financial independence and retiring early! To hustle credit cards, you need to have a good grasp of your personal finance situation so make sure to use my net worth and budgeting spreadsheet to keep track of all your financial situations.As well as my Restaurant List Tracker spreadsheet for keeping track of all the restaurants you have been to in your hometown or abroad.Also, check out my travel itinerary planning spreadsheet which is perfect for organizing and planning your trip!.This post is part of my comprehensive guide to travel hacking and credit cards which explains everything you ever needed to know about how to use credit cards to maximize traveling. I’ve created a spreadsheet in Excel that will solve all your problems! This practice is called “churning” and can become stressful and difficult to manage. Each year, I will open 5-10 new cards and subsequently also cancel 5-10 credit cards since I do not want to pay the annual fee. Among the bonus requirements, reward structures, annual fees, and application deadlines, there are many things to pay attention to.Īt any given time, I have about 15-20 active credit cards for just myself. Options Wheel Strategy: Ultimate Passive Income Generatorįor those like me that love to collect credit card rewards and travel everywhere for free, keeping track can become difficult and cumbersome.How To Pay 0% in Taxes: Step by Step Guide. ![]() Financial Independence (FIRE): How To Retire Early.How Travel Hacking Affects Your Credit Score.How I Travel The World And Fly For Free.The Ultimate Guide To Travel Hacking & Credit Cards.
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