kdm31091 wrote:Gardening does pay off, and I find I think about apps less and less as time goes on. I've really hit a point where I realize that outside of sign up bonuses, there's just such a diminishing return with adding more and more cards that for my spending, it's not worthwhile. So I won't be adding anything unless I get rid of something. I'm happy with most of my cards so don't see that happening at the moment.
That's been my attitude for a while, too. I've got good cards now and my credit profile/current financial situation is such that I would be open to bonus hunting and churning, but I'm also not traveling much so it's just not worth it to me now. I'd be willing to get something for a great bonus, but the more workhorse cards simply aren't worth it when you already have decent products. I don't plan on actually doing it, but I'd be more willing to get a Quicksilver than a Double Cash because it would take $20,000 of spending before the Double Cash becomes more lucrative. The Double Cash is a great value and would be good for me if I was starting out, but in my position it just doesn't do much for me.
I joke about wanting a 100,000 Platinum offer. I don't think I'll get it, but if I did I would take it. That's a serious bonus I would be willing to take a risk on (even a 50,000 PRG since the first AF is waived). I'd like to be a serious churner and travel rewards enthusiast, I'm just not high enough a roller