You already know the game
You just need something that keeps up with you.
Gone. Every year.
You pulled the Sapphire at the grocery store. The Gold was right there. That 1x vs 4x difference adds up fast.
Which one right now?
You know the answer changes by merchant, category, and quarter. You just don't want to think about it at the register.
Until that bonus deadline
The $4,000 minimum spend on your Ink Preferred. The annual fee hitting next month. The retention call you keep putting off.
How it works
No spreadsheets. No guessing.
Add your cards
Google sign-in or email. Pick your cards from our database. Done before your coffee gets cold.
Tell us how you spend
Rough monthly numbers for dining, groceries, travel, gas. Or connect Plaid and we'll figure it out.
Use the right card
Open the app, tap a category, see your best card. Get alerts when you're about to use the wrong one.
Your wallet, everywhere
Churn works wherever you are -- web, mobile, wrist, or browser
Web App
Full dashboard with all features. Works in any browser.
iOS App
Native iOS app with widgets, notifications, and Wallet pass.
Chrome Extension
Best card at checkout. Auto-activates your Amex Offers.
Apple Watch
Best card at a glance. Haptic alerts at checkout.
PWA
Install to your home screen. Works offline.
Simple, transparent pricing
Start free. Upgrade when you're ready.
Free
Everything you need to start optimizing your wallet
- Smart Card Picker
- Reward Matrix heatmap
- Churn Score
- Churning Tracker
- Deal Alerts
- Transfer Partners directory
- Application Rules
- Up to 10 cards
Premium
Advanced analytics and AI-powered tools for serious churners
or $39.99/yr (save 33%)
- Everything in Free
- AI Chatbot advisor
- Household Mode
- Points Portfolio
- Missed Rewards Report
- Monte Carlo Simulation
- Annual Fee ROI advisor
- Year in Churn summary
- Unlimited cards
- Priority support
Lifetime
Pay once, optimize forever. Best value for committed churners
- Everything in Premium
- Lifetime access
- All future features included
- Early access to beta features
- Founding member badge
Never Miss the Best Card Offer
Get weekly card recommendations and deal alerts. Free.
Your wallet is leaking money
Free. Works with every major US and Canadian card. Takes 30 seconds.