Every purchase on the right credit card.
Example wallet. Card art is illustrative.
The credit card churning app. Signup bonuses, Chase 5/24 and annual fees, tracked across 321 US and Canadian cards.
No account needed to try it: add your cards and see the answer, then sign up to keep them. Free for up to 10 cards.
Try it
What would your cards earn?
Add the cards you have and roughly what you spend. Churn works it out with the same maths as the app, after annual fees. Your cards and spending stay in this browser.
What you spend each month
Add a card to see what it earns on this spending.
No account needed. You can sign up at the end to keep it.
Card picker · free today
Best credit card for every purchase.
Pick where you’re paying. Churn ranks your cards by what they earn there, counting spend caps and rotating quarters, with points at Churn’s published values.
321 cards from 38 issuers, US and Canada. On the web today; iPhone and Chrome are coming soon.
- Freedom Unlimited1.5x everywhere2.55¢
- Double Cash2% everywhere2¢
Gold's 4x applies at US supermarkets up to $25,000 a year; past the cap the next card in the wallet wins.
One card. Always the best rewards.
Stop choosing from five cards at the till. The goal of the Churn Card: earn what the best card in your wallet would have earned, every time you tap. It pays from money you have: no revolving balance, no interest.
No spam, no verification email. Each friend who joins with a Churn account moves you up 100 spots.
- Add the cards you hold.
Churn already knows the rates, spend caps and rotating quarters of 321 US and Canadian cards.
- Tap the Churn Card. Only that one.
The plan: in store or online, one card instead of a stack.
- Churn would do the choosing.
The plan: it would read the merchant and rank your wallet by rate times point value, so you’d earn your best card’s rate.
What one flat 2% card leaves behind on our example wallet, after the wallet’s annual fees, compared with using the best card every time.
The Churn Card is in development. Its network, fees, rewards currency and how rewards reach you aren’t decided, and we’ll publish them before anyone is asked to apply. The ranking is the one in Churn’s card picker, free today. How the Churn Card would work →
Signup bonus tracker
Don’t miss a 60,000-point bonus by three days.
Churn emails you 60, 30, 14 and 7 days before every minimum-spend deadline, with the daily spend you still need.
Chase 5/24 tracker
Know the day you can apply again.
Plus every issuer’s velocity rules, with the date each one clears, and bonus-eligibility warnings (Amex once per lifetime, Sapphire and Citi 48 months).
Annual fees and credits
Annual fee reminders and a statement credit tracker.
$325 fee coming: keep, downgrade or ask for a retention offer.
Emails 30 and 7 days before each fee posts, and the card’s downgrade paths. The keep-or-cancel verdict comes with ProPRO
Use the credits you’ve already paid for.
Every statement credit on your cards: what’s used, what’s left and the day each one resets.
Churning in Canada
Credit card churning in Canada.
Rankings, privacy and two-player mode
Rankings are never for sale.
Churning with a partner? Invite them: each of you keeps your own account and cards, and Churn finds the best card per category across both wallets. Household Mode comes with ProPRO
Ranked by what you earn
Churn picks cards by what they earn you. Affiliate relationships never change the order.
Our own card data
Card data comes from our own service, CardAPI, checked weekly. Last update 20 Oct 2026.
Anonymous until sign-in
Analytics stay anonymous until you sign in. Deleting your account deletes all of your data.
- Web Live
- iPhone & Watch Coming soon
- Chrome extension Coming soon
- Android Coming soon
Pricing
Free to start. Pro when you want more.
Free
- Which card to use, everywhere
- Bonus tracking and deadline emails
- Annual fee reminders and downgrade paths
- 5/24 and issuer rules, with dates
- Credits tracker and point valuations
Churn Pro
- Everything in Free
- Unlimited cards
- AI advisor and keep-or-cancel verdicts on fees
- Household Mode for you and a partner
- What the wrong card costs you
- All your points valued in one place, plus a yearly recap and export
Lifetime
- Everything in Churn Pro, for good
- Covers your household
- Pay once, no renewals
Prices in US$. 7 days free on monthly and yearly if you’ve never had Pro.
Questions
Credit card churning questions.
Is Churn free?
Yes, for up to 10 active cards, with the card picker, bonus and fee reminders, issuer rules and the credits tracker. Churn Pro adds unlimited cards, Household Mode and the AI advisor for US$39.99 a year, US$4.99 a month or US$119.99 once.
Does Churn work in Canada?
Yes. 114 Canadian cards from 14 issuers, with Aeroplan, Avion, Scene+ and TD valuations and Amex Canada's rules.
What is the Churn Card?
A card we're building, planned for 2027. The goal is one card that earns what your best card would have earned, paying from money you have, so there's no debt. Its network, fees and rewards aren't announced yet. The waitlist is open now.
How does Churn pick the best card?
For each category it multiplies the card's rate by what its points are worth to you, then applies spend caps and rotating quarters. Points are valued by what your wallet can do with them, so Freedom Unlimited's 1.5x counts as full Ultimate Rewards only next to a Sapphire or Ink Preferred.
Do affiliate links change rankings?
No. Cards are ranked by what they earn you, and affiliate relationships never change the order. Rankings are never for sale.
Is there an iPhone app?
Coming soon. The web app works on any phone today.