Cash back that ends up in my Roth IRA

Points and miles that allow my fam to have $10-15k worth of annual vacations but we stay within a $4-6k budget

He said luxury hotels. Intercontinental is the "top" brand for IHG, and is rarely better than "upscale" and sometimes doesn't even achieve that. That said, I do like my IHG card and do use it for those Intercontinentals... Just wish they actually had more of those actual luxury hotels, rather than just the handful scattered in remote locations.

1,101,294 Chase points.

Oh yeah baby!

Hopefully she's not made out of latex ...

If the shoe fits.....LOL!

Why do you MS? Who doesn't like free money. Usually the cable, telephone, internet, insurance companies, hospitals, banks are difficult to beat. They always beat you. MS is one time you beat them and you can get a kick out of it. And it's all fun, there is no boss, you drive around, watch some chicks running around and make some money. As long as in the process you don't run into some shooter then you will regret.

People who bust their butt off all day don't make as much money as MSer makes in 1 hour. It's unfair, dog world out there folks.

The churners who are doing it right, in my opinion, will have balances at or around 0 most of the time. That is because they only accumulate points when there is a specific and defined need in mind, use the points based on need, and then rinse and repeat. Of course, people like that, if they allowed points to sit, would have insane balances. But because they churn em and burn em, their balances are kept low.

I think that it just matters how much you are churning. Sometimes you want to have a big balance to pay for a big trip. Nice trip staying in a grand ocean-front suite costs a bit as does flying D1 internationally. AND as stated earlier, not everyone is doing it for miles/points alone.

I MS just to double the points/miles I earn every month so I can book award tickets twice as often ;)

I MS for travel and cash. We have all paid the banks thousands of dollars for our mortgages so the bankers are doing great so my goal is to try to get close to the amount of interest I overpaid on my house and then we will be even.

Everybody does it differently...yes, points devalue, but opportunities dry up, too

Ahh that was a good time, I wish I had opened more Citi accounts, got 4 bonuses between my wife and I along with CC funding on 2 of them. I still have those AA miles sitting around though, so maybe it really wasnt so great afterall :(

i mostly MS for cash back but also because right now I have a little credit card debt that I'm trying to pay off. Before one of my statements close, I try to pay off the whole balance so that the statement balance is $0. Then the days after, I MS where I get the most benefit for that card (1,2, 3 or 5% cash back). Then I use that money to pay the next credit card bill and so on. That way I make a little cash back and rotating the balances means I never pay interest.