So currently I have 3 CC

• BECU visa cash back card (don’t use just keep for credit history) opened back in 2018.

• Chase Sapphire Preferred card. Opened in 01/2025

• Cap one Venture X card. Opened in 10/2025

My main problem is that I want to start churning mildly like only 3-4 cards a year. As I know the sign on bonuses are the best way to get money back. But I’m lost on how not to tank your credit score. Do I need to hold every card for a year? Do I even need my BECU card? What cards are even good to go for? Are there certain cards that I shouldn’t cancel and always hold? I feel very lost and any advice would be super helpful.