How it works
Set up once, then ChurnLogic keeps watch. No spreadsheets, no mental math, no missed deadlines. Here are the three steps, each with a deeper look under the hood.
Add your cards
Enter your cards manually or import a credit report to auto-detect them. This establishes your 5/24 count, issuer relationships, and eligibility.
How adding cards works →Get a recommendation
The engine reads your cards, goals, and every issuer's rules, then tells you the single best card to apply for next and why.
How the engine works →Apply, then let it track
Once you open a card, ChurnLogic watches the minimum-spend deadline, the annual fee anniversary, and your 5/24 drop dates.
What happens after you apply →Just want the step-by-step?
The getting-started user guide walks you through the app screen by screen: create your account, add your cards, and get your first recommendation in about ten minutes.
New to churning itself?
Start with the churning playbook for the strategy, or see why the math works. Curious what your spending has been leaving unearned? Run the missed-rewards calculator.
What ChurnLogic is not
It does not provide financial advice, recommend manufactured spending, or push applications that don't fit your eligibility and goals. It is a planning and tracking tool built around issuer rules and intentional timing.