How long does it take to master the art of credit card churning with Citi cards?

Asked on: 7/27/2025

This question has been asked1times.

Mastering credit card churning with Citi cards typically takes 6-12 months of consistent strategy and application.

Estimated Duration: 365 days

To master credit card churning with Citi cards, you need to understand credit score management, application timing, and reward optimization. Start by researching Citi's card offerings, tracking application rules (like the 24-month rule for bonuses), and maintaining excellent credit. Use tools like spreadsheets to track applications, spending requirements, and bonus eligibility. Join online forums or communities to stay updated on the latest strategies. Consistent practice and careful planning will help you maximize rewards while minimizing risks to your credit score. Always adhere to Citi's terms and conditions to avoid penalties.