How the recommendation engine works
Most "best card" lists are the same ranking for everyone. ChurnLogic is different: it's a rules engine that evaluates the entire catalog against your specific situation and issuer planning checks, then suggests an option to review with the reasoning shown. Current offer terms and approval still need checking.
What it reads
- • Every card you hold and its exact open date
- • Your goals and rewards focus (travel, cashback, specific loyalty programs)
- • Your credit score band and annual-fee tolerance
- • The full card catalog: bonuses, fees, issuers, and each card's rules
Planning checks and their limits
The engine compares recorded history with selected checks. Some conditions have an estimated date; others need a manual review and have no assumed clearance date:
Estimates the count from recorded dates using a conservative calendar-month convention. The date you fall below five can be later than the next account dropping off.
Suggested spacing after recorded openings. These month-based buffers are planning preferences, not verified rolling application limits or approval guarantees.
Prior ownership and related-card history prompt a review of current bonus terms. An opening date is not treated as a bonus-earned date.
Cards you already have are filtered out of the 'apply' list and moved into your portfolio view.
Cards whose approval odds are poor for your score band are flagged rather than recommended.
How it ranks what's left
Among the options that pass the supported planning checks, the engine scores each on fit to your goals and estimated value, using conservative cents-per-point valuations for each rewards program. It shows both the estimated signup-bonus value and the net first-year value after subtracting the annual fee, so a flashy bonus attached to a $550 fee is compared honestly against a smaller bonus with no fee. The single highest-ranked option becomes your "next card," with the rest as ranked alternatives.
Honest by design
The ranking is on fit and value to you, never on what pays us. A card that earns ChurnLogic no commission can and does outrank one that does. Values are estimates, and issuer rules are community-observed conventions that can change; the engine is a planning tool, not a guarantee. See our advertiser disclosure.
See your personalized ranking.
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