Features
A proactive companion that watches your deadlines, estimates real dollar values, and surfaces the decisions that matter before you miss them.
Dollar values on everything
Every card recommendation includes an estimated dollar value based on conservative cents-per-point valuations for each rewards program (Ultimate Rewards, Membership Rewards, ThankYou Points, and more). You also see the net first-year value after subtracting the annual fee, so you can compare cards based on actual return instead of abstract point totals.
Proactive action feed
Instead of a static dashboard, your home screen shows a prioritized list of things that need your attention right now. Items are color-coded by urgency: MSR deadlines approaching, annual fee decisions due in 30 days, velocity cooldowns ending, and 5/24 slots about to open. Each item is tappable and takes you directly to the relevant screen.
Annual fee decisions
30 to 60 days before an annual fee hits, ChurnLogic shows your options: keep the card (with a breakdown of why it may be worth it), downgrade to a specific no-fee product (e.g. Sapphire Preferred to Freedom Flex), or cancel. Includes concrete product-change targets so you know exactly what to request when you call.
5/24 status and drop dates
Tracks your Chase 5/24 count based on your card open dates and shows exactly when each card drops off the 24-month window. You know precisely when you'll be back under the threshold and eligible for your next Chase card.
Issuer velocity cooldowns
Per-issuer application timers for Chase, Amex, Citi, Barclays, and US Bank. The Plan screen shows each issuer with a "Ready" or countdown badge so you know when you're safely past the cooling period. No more guessing or manually counting months.
Deadline notifications
Push notifications reference specific card names, dollar amounts, and exact deadlines. "Your CSP annual fee hits in 30 days. Open ChurnLogic to see your options." MSR reminders include the remaining dollar amount and days left, with an urgent follow-up at 7 days.
Credit report import
Import a PDF or JSON credit report to auto-detect your cards, open dates, and 5/24 status. Processing happens entirely on your device. Link detected accounts to cards in the catalog to power recommendations.
67-card catalog
Strategy notes, issuer rules, bonus amounts, and eligibility logic for cards across Chase, Amex, Citi, Capital One, Barclays, US Bank, and more. Updated with current signup bonus values and application rules.