What happens after you apply
Getting approved is the easy part. The money is won or lost in the months afterward: hitting the minimum spend, and deciding what to do when the annual fee comes due. This is the tracking most people do in a spreadsheet, or forget entirely. ChurnLogic does it for you.
Minimum-spend tracking
When you open a card with a signup bonus, ChurnLogic creates a tracker with the exact spend target and deadline. Log spend against it and watch the progress bar; it warns you as the window closes, with the precise dollars and days remaining. Miss this and the whole bonus is gone, so it's the thing the app guards hardest.
The action feed
Your home screen isn't a static dashboard, it's a prioritized list of what needs attention now: spend deadlines approaching, annual fees due soon, issuer cooldowns ending, and 5/24 slots about to open. Color-coded by urgency, each item taps through to the relevant screen.
Annual fee decisions
Thirty to sixty days before a fee posts, ChurnLogic surfaces the decision with your options: keep it, downgrade to a specific no-fee card in the same family, or cancel, including the concrete product-change target so you know exactly what to ask for when you call.
5/24 drop dates
The app knows the day each card falls off your 24-month count, so you always know when your next Chase slot opens, without counting months by hand.
Deadline notifications
Push notifications reference specific card names, dollar amounts, and dates: your remaining spend with days left, an urgent 7-day follow-up, and annual-fee reminders in time to act.
The timeline
Every upcoming event, spend deadlines, fee anniversaries, cooldown ends, and 5/24 drops, laid out chronologically so you can see the shape of your year and plan your next application around it.
Never miss a deadline or a fee again.
Get started freeReady to do it well? Read the churning playbook.