My first churn of 2017 – Starwood American Express
Well it's late February and I'm doing my first credit card " churn " of the year. (Last year's roundup is here ). While I often say "this is a hobby for people with more time than money", there's also an obsessive-compulsive/ extreme couponing vein running through point collector community. People go to some crazy lengths for a signup bonus, but for me, I generally sign up for a new card once or twice a year if something easy, interesting, or low-impact comes along. The Starwood Preferred Guest American Express card definitely fits that bill: I already have another card with Amex they didn't pull my credit report No annual fee the first year 25,000 Starwood points (some of the most valuable points out there – 2.2¢ each) after $3k of spending Starwood points transfer to a lot more programs than Chase UR and Amex MR points do (just not instantaneously) A refer-a-friend program where you earn 5,000 points for each person who signs up