The Churn Card.
Three cards in your wallet. One in your hand.
One card we’re building to earn the best rate in your wallet on every purchase, so you stop juggling five credit cards to hit the right category. It pays from money you have, with no debt. Planned for 2027; the waitlist is open now.
No spam, no verification email. Just your spot in line.
Always the best rate
The goal: every purchase earns what the best card in your wallet would have earned.
Your money, no debt
It pays from money you have. No revolving balance, no interest to manage.
One card, not ten
Stop carrying a stack of cards just to hit the right category bonus.
How it would work
You’d tap once. Churn would do the choosing.
- Add the cards you hold
Churn knows the rates, spend caps and rotating quarters of US and Canadian cards, and what your points are worth together. That part works today.
- Pay with the Churn Card, once it launches
In store, online, anywhere you’d tap a card.
- Churn would read the merchant
The merchant code would give the category, and Churn would rank your wallet by rate times point value.
- You’d get your best card’s rate
That’s the goal for every purchase. How rewards reach you will be published before launch.
Try a purchase · example wallet
Concept, on an example wallet. Ranking a wallet by rate times point value is what Churn’s card picker does today, free; until the Churn Card launches, you choose the card yourself.
Where it stands
What’s decided, and what isn’t.
We’d rather tell you plainly. Anything not listed as decided will be announced before anyone is asked to apply.
| Card type | DecidedCharge card that pays from money you have. No revolving balance, no interest. |
|---|---|
| Launch | Planned2027 |
| Waitlist | OpenEmail only, with a referral queue |
| Network | Not announced |
| Annual fee | Not announced |
| Rewards currency | Not announced |
| Issuing bank | Not announced |
| Apple Pay, Google Pay | Not yet available |
Move up the line
Bring a friend, skip 100 spots.
Each friend who joins with a Churn account moves you up 100 spots. One per account, and your own doesn’t count. Your spot never goes below #1.
Your spot is visible only in the browser you joined from, or when signed in to the account with that email.
Churn Card questions
Before you join.
Don’t want to wait for 2027? Churn’s card picker gives you the right card for every purchase today, free.
When does the Churn Card launch?
It's planned for 2027. People on the waitlist hear first.
Is it a credit card?
It's planned as a charge card that pays from money you have, so there's no revolving balance and no interest to manage.
What network, fee and rewards will it have?
None of those are announced yet. We'll publish them before anyone is asked to apply.
Do I need a Churn account to join?
No, an email is enough. A referral counts when your friend joins while signed in to a Churn account.
Can I add it to Apple Wallet?
Not yet. Wallet support will be part of the launch details.