What if you could travel around the world for free? Through the world of credit card churning, this can become a reality. On today’s show, we’re joined by one of my good friends and credit card churning expert, Ro Leavell. He breaks down everything you need to know to go from zero to expert in the world of credit card churning. For more information on the cards and resources mentioned in this episode, go to savemoneydammit.com/churning.

[00:50] Why Ro got into credit card churning

[2:42] Things you need to know before getting into credit card churning

[5:23] A breakdown of the two main types of credit card rewards – Cash Back and Program Rewards

[6:47] When would someone want to go with Cash Back vs Rewards Programs?

[8:25] Other than airlines, what are some additional travel perks that come with Rewards Programs?

[10:09] A deeper explanation of point values in various Rewards Programs

[12:50] The point transfer method vs the multiple card method

[18:21] Ways to deal with cards that include annual fees

[24:55] A look at the major card types – Discover, American Express, Mastercard, Visa – and Ro’s favorite types

[28:38] Are there any issuers that are cracking down on credit card churners?

[30:50] What about foreign transaction fees?

[32:28] Ro’s recommended Cash Back and Program Rewards cards

[37:00] A breakdown of credit score factors and how to keep your credit intact while churning

[47:54] Downsides of credit card churning

[49:57] The cards currently in Ro’s wallet and Ro’s favorite churning “hacks”

[1:01:30] How Ro has used his rewards points