Churning guides
Credit card rewards optimization, explained honestly: no hype, no pretending the annual fee doesn't exist, and no pushing whichever card pays the most commission.
Getting started with ChurnLogic
The hands-on user guide: create your account, add your cards, read your dashboard, get your next-card pick, and track spend and fees. What to tap, in what order.
PlaybookThe churning playbook
The strategy: prep, get Chase cards first, sequence other issuers, use business cards, and manage spend and fees.
FoundationsWhy churn? The actual math
Signup bonuses are worth 10 to 20 times the ongoing rewards on the same spend. The honest case, the real risks, and what it does to your credit score.
StrategyThe annual fee decision: keep, downgrade, or cancel
A year after opening a card, the bonus is banked and the fee is coming. The framework for deciding, with real examples from popular cards.
ReferenceIssuer rules cheat sheet
Every major issuer limits applications differently: Chase 5/24, Amex once per lifetime, Citi's 48-month clocks. All of them, side by side.
StrategyHitting minimum spend without wasting money
The bonus only pays if the spend was money you would have spent anyway. Timing, prepayment, and the anti-patterns that turn churning negative.
ReferenceWhat is the Chase 5/24 rule?
Chase's application rule explained: what counts, what doesn't, and how to plan around it.
CardsBest travel credit cards
Current travel cards ranked by estimated signup-bonus value, straight from the ChurnLogic catalog.
Reading is optional. Tracking is not.
ChurnLogic applies all of this to your actual cards: eligibility, deadlines, fee decisions, and what to open next.
Get started free