<prompt> Human: Any tips? I have one credit card Ive used for about 3 years, always paid regularly.  <response>: Churning isnt really about cashback, its about the signup bonuses. Hence, the churn to get new cards with new signup bonuses.Maximizing cashback having a specific card for grocery store, one for gas, one for restaurants, one for travel, etc isnt, imo, worth the effort. Just use the Citi Doublecash 2-on-everything assuming you pay in full every month. 