How it works
Set up once, then ChurnLogic keeps watch. No spreadsheets, no mental math, no missed deadlines.
Add your cards
Enter your existing credit cards and their open dates manually, or import a credit report (PDF or JSON) to auto-detect them. This establishes your current 5/24 count, issuer relationships, and eligibility constraints. ChurnLogic links your accounts to cards in its catalog so it can apply the right issuer rules.
Set your goals
Tell ChurnLogic what you care about: travel points, cashback, hotel rewards, or airline miles. Set your annual fee tolerance and reward program preferences. The recommendation engine adapts to your goals, credit profile, and issuer history to suggest cards that make sense for your specific situation.
Follow the plan
ChurnLogic generates a personalized application path with issuer-aware timing. It accounts for Chase 5/24, Amex 2/90, Citi velocity rules, and per-issuer cooling periods. The Plan screen shows your next steps with specific cards, estimated values, and "ready" or countdown indicators for each issuer.
Stay on top of it
Once you've applied for cards, ChurnLogic tracks your minimum spend requirements, annual fee anniversaries, and 5/24 drop dates. The action feed surfaces deadlines before you miss them. Push notifications alert you to specific events with card names, dollar amounts, and days remaining. Annual fee decisions include concrete downgrade options so you know exactly what to do.
What ChurnLogic is not
ChurnLogic does not provide financial advice, recommend manufactured spending, or encourage applications that don't align with your eligibility and goals. It is a planning and tracking tool built around issuer rules and intentional timing.