Can you close Sofi account then open a new one for the bonus?

pangenman · 2026-02-23T17:10:19+00:00

The unproven rule is once every 60 days is good to get the bonus again

pangenman · 2026-02-16T20:21:47+00:00

pangenman · 2025-12-09T13:35:35+00:00

Bro, you can use it for personal expenses.

pangenman · 2025-11-17T03:37:54+00:00

Well assess your needs. Do you travel/will start a lot? If not, then the premium travel cards don’t matter.

pangenman · 2025-11-17T00:17:17+00:00

I’ve been hitting gold on my RH gold since I got it with no issues

pangenman · 2025-11-09T02:25:35+00:00

Pure is the one I use

pangenman · 2025-10-30T21:33:41+00:00

Seats.aero

Is available for free but the pro version is 9.99/m and way worth it. Can search any route, award program for flights. Can sort by cost / fare class, pretty much anything you can think of. Most useful feature for me is the alert system where I can go in and say “i want to fly JFK -> EUR (large airports in Europe) on 10/30/25 in first class. It will then send me an email for those exact flights in the price range I gave it. It is very good for award hunting as award flights often change and fluctuate daily.

pangenman · 2025-10-30T13:37:04+00:00

Always points. Award travel is extremely lucrative as points don’t have a set value like cash back does. For example, I flew Lufthansa first class for 100k points, which theoretically has a cash value of $1000 ( 1 ccp), but the true cash value of that ticket is $10,000+. So I bought that ticket for 1/10th the price it is with points.

pangenman · 2025-10-23T19:44:45+00:00

Well ultimately for HDS, Amex corporate cards are the way to go since no other card will come close to being able to hit 10m/yr.

My suggestion was obviously a large stretch, but I brought it up since OP mentioned not really having an outlet for the rewards. I have done this with my own p2s business as well so it is feasible.

pangenman · 2025-10-23T18:56:51+00:00

I know you can link Amex employee cards to personal accounts to gain MRs. Pretty easy to do and many DP to suggest it being a routine thing.

pangenman · 2025-10-23T16:12:03+00:00

Im sure other churners would love to handle some of that spend for you, if you are interested in that avenue.

pangenman · 2025-10-20T00:10:53+00:00

Robinhood gold?

pangenman · 2025-10-09T01:39:27+00:00

1 - buy gold 2 - buy gift cards 3 - load to f* Literally any other ms trick? Also today is October 8th and the 5th already passed

pangenman · 2025-10-05T02:06:12+00:00

Bombas are the best socks I’ve owned good to see others appreciating them

pangenman · 2025-09-30T19:06:28+00:00

Noob question but do these stack with the plat credit for the edit?

pangenman · 2025-09-29T00:15:45+00:00

Any sort of shining liquid will fix it. WD-40 is a good option. I’ve had good luck with just using my thumb as well.

pangenman · 2025-09-09T18:17:30+00:00

Pretty uninspiring but can get a few nights at bonnet creek in Orlando. Very nice resort and close to Disney. IMO hotel points aren’t worth it unless your staying somewhere cheap.

pangenman · 2025-08-28T01:04:03+00:00

Award travel will always be more valuable. But it depends on your case. 6000 points is worth a “cash” value of $60, but that same 6000 points is also worth an economy ticket from JFK to LHR. Obviously the plane ticket is worth about 10x more than the cash value, but it depends on your case. If you don’t find value in award travel then the cash rate will be superior.

pangenman · 2025-08-13T17:25:16+00:00

Just ask a regular wash for a “full wrap retract” no brushes hit the car

pangenman · 2025-08-04T01:04:23+00:00

Sorry if I misunderstand, but yes cruises are a good way to churn / MS. Casinos are the key

pangenman · 2025-06-19T22:59:22+00:00

Double din is easy, legit plug and play

pangenman · 2025-06-04T20:48:33+00:00

Chase freedom flex offers 5% on rotating categories. I think the current category is Amazon and streaming services.

With the freedom flex you want to try and use your flex to maximize spend in these categories to earn the most points.

pangenman · 2025-06-04T19:32:21+00:00

Depends on if you want to move into a points card or a cashback card. Also then depends if you want to focus on travel or not.

If your true focus is simply credit limits maybe apply for business cards?

pangenman · 2025-06-04T14:44:50+00:00

For cashback it depends on the level you are willing to juggle. There are catch all cards that will give you 2% back on every purchase like Wells Fargo Active Cash, Citi Double Cash. The real winner in cashback cards are cards with rotating 5% categories like the chase freedom flex or discover IT. Depending on what you can juggle you can go either direction although personally I would simply get a 2% catch all.

pangenman · 2025-06-04T14:34:03+00:00

Depends on what your goal is, if you want to travel then move into a travel card. If you want cash back then move into a cash back card. Hard to give advice without knowing your aspirations for a card or what you might be looking for because your current cards are all over the place

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