I was just thinking about this, and was hoping to get some opinions. I generally do not have enough in spend per month to justify applying for cards on a typical basis (big churn once every 3 months/91 days) as many people do. For the sake of this exercise, let's also assume that I will not be manufacturing spend in any way. I have applied for a couple cards recently as the sign up bonuses were good, one in March and the other at the beginning of May. I have a plan in mind for the points with the two cards I already received, but I was planning on picking up some more cards if the bonuses were right and they fit with a plan of usage for said miles. The question I have is about credit inquiries, and in particular, is signing up for one card at a time in this manner (one every 2 or 3 months) okay from a credit inquiry standpoint? I understand that number of hard inquiries isn't a huge factor when looking at credit score (or being approved for new credit), but will having inquiries on my report in this fashion have any impact on my ability to get new cards? (I understand that people do the batch of cards every 90 days so that they all go off your report at the same time). Thanks in advance for helping me out!