Advertiser Disclosure

ChurnLogic is free to use. We keep it that way in part through affiliate and referral relationships with credit card issuers and networks. When you click an “Apply” link and are approved for a card, we may earn a commission or referral bonus. This never changes the terms you receive, and it costs you nothing.

Our ranking commitment

Recommendations in ChurnLogic are ranked strictly on fit and estimated value to you - your spending, your goals, and your eligibility under issuer rules like 5/24, velocity limits, and re-eligibility windows. We do not re-order, promote, or hide cards based on whether they pay us, or how much. A card that pays us nothing can and does outrank one that pays us well when it's the better move for you.

What we show

We aim to display accurate, current offer terms. Card offers change frequently; the definitive terms are always on the issuer's own application page, which is where every “Apply” link sends you. If you spot an out-of-date offer, let us know at hello@churnlogic.app.

Editorial independence

Our educational content and strategy guidance are written independently of any advertiser relationship. Issuers do not review or approve our recommendations or explanations.