Credit Cards

Are there any point cards that you cannot churn?

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  • Feb 25th, 2018 10:58 am
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[OP]
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Jun 15, 2017
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Are there any point cards that you cannot churn?

Despite terms saying that you cannot get repeat welcome points....I have not come across any that I have not received repeat points for.eg.All the Amex points cards,TD,CIBC,MBNA,Marriott,Chase,RBC,Scotiabank........

I know that some folk have been declined,mostly thru their own actions causing the decline(eg.phoning the FI re.missing points) ....but are there any cards where the terms are 100% enforced?
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Nov 23, 2015
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Winnipeg
I have held a multitude of cards over the years and I have never heard of a card where the one-time-only terms are strictly enforced. Some cards require you to wait longer than others, but that's about it.
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Dec 5, 2009
366 posts
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fadetogrey wrote: Despite terms saying that you cannot get repeat welcome points....I have not come across any that I have not received repeat points for.eg.All the Amex points cards,TD,CIBC,MBNA,Marriott,Chase,RBC,Scotiabank........

I know that some folk have been declined,mostly thru their own actions causing the decline(eg.phoning the FI re.missing points) ....but are there any cards where the terms are 100% enforced?
Amex cards in the US apparently strictly enforce the rule
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Apr 28, 2012
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QC
I woudln't know, I only churn churnable cards :)
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[OP]
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Flitox wrote: I woudln't know, I only churn churnable cards :)
As do I....including the one's who's terms say they aren't churnable Grinning Face With Smiling Eyes
[OP]
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wronguy wrote: SPG Amex
I've churned this many a time....despite the personal card terms
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Mar 30, 2010
316 posts
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Calgary
Not a points card, but I just got the CIBC dividend infinite which was supposed to give bonus $200 in cash back and first year free for new cardholders. I’ve received neither. I was a secondary cardholder under my DH’s account which I assumed did not count since I wasn’t the primary. I also had a CIBC card over a decade ago. Not sure which of those counted against me but I didn’t get the benefits.
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Jan 21, 2008
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fadetogrey wrote: I've churned this many a time....despite the personal card terms

Good to know, I tried it last year and didn't get the bonus points, I called and they looked up my card history and told me It was for first time applicants and I had to eat the annual fee. I have successfully churned amex biz and gold tons of times, not sure it didn't work for me on the SPG, I will probably apply again and see what happens as it is a sweet bonus. Thanks!!
[OP]
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gingersb wrote: Not a points card, but I just got the CIBC dividend infinite which was supposed to give bonus $200 in cash back and first year free for new cardholders. I’ve received neither. I was a secondary cardholder under my DH’s account which I assumed did not count since I wasn’t the primary. I also had a CIBC card over a decade ago. Not sure which of those counted against me but I didn’t get the benefits.
Did you call to inquire re.missng bonus?
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Mar 30, 2010
316 posts
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Calgary
fadetogrey wrote: Did you call to inquire re.missng bonus?
The call Centre was less than helpful. I’m an imperial service customer and called my personal banker. He is bald to apply it manually for me and I should see it on my next statement.
Deal Addict
Dec 4, 2008
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qszwdxefc wrote: Amex cards in the US apparently strictly enforce the rule
As do many other cards in the US, but then again a lot of card churning in the US is about applying for new products, not the same ones over and over... because you know, they actually have more than a handful of cards worth a damn to apply for down there.
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May 8, 2009
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Going to the Moon
OP if you're churning for pts, once you use the points and cancel the card, you'll likely
  1. lose outstanding points balance if it's under a certain threshold
  2. at best cash out remaining points in cashback at an inferior payout rate

Perhaps this could be mitigated by doing a card downgrade/upgrade rather than a full blown churn (cancel, lose CL, sign up fresh again).
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BMO World Elite MC.
It's a one-and-done.
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Going to the Moon
imdanrydell wrote: BMO World Elite MC.
It's a one-and-done.
What happens if you cancel? You can never get it back?
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Pretty sure Amex Personal Gold is 1 shot according to T&C's

I know some people managed to get around it by using some other links Perkopolis or CPA but I think those loops are closed now.
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[OP]
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Jun 15, 2017
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ProfessorChaos wrote: Pretty sure Amex Personal Gold is 1 shot according to T&C's

I know some people managed to get around it by using some other links Perkopolis or CPA but I think those loops are closed now.
Great example of a card that is churn able,despite the terms.I've had this card multiple times.The perkopolis enrolment still works,for FYF 25k points and only $500 spend in 1st 3 months.
Deal Addict
Dec 27, 2013
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BMO WE
BMO Airmiles WE

Wanted to churn them for awhile, but everybody says they are not churnable... somebody, please tell me that everybody is wrong! :)
[OP]
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Jun 15, 2017
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mbmbkop wrote: BMO WE
BMO Airmiles WE

Wanted to churn them for awhile, but everybody says they are not churnable... somebody, please tell me that everybody is wrong! :)
I read on reddit,from one person, that both are churnable. Would be nice to get a few more to confirm.
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Mar 7, 2012
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WINNIPEG
imdanrydell wrote: BMO World Elite MC.
It's a one-and-done.
titaniumtux wrote: What happens if you cancel? You can never get it back?
Lots of reports over the years that the bonus just doesn't get paid out for your second card.

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