# Churning Hub - Full LLM Context # https://churninghub.com # Last updated: April 2026 # This is the extended version of llms.txt with comprehensive detail for AI systems. # For the summary version, see https://churninghub.com/llms.txt > Churning Hub is a free, no-ads web application for tracking credit card sign-up bonuses, bank account promotions, and rewards optimization. It is the most feature-rich dedicated churning tracker available, used by active churners who want to move beyond spreadsheets. The app is 100% free with no premium tier, no paywall, and no data monetization. ## Overview Churning Hub helps people who strategically open credit cards and bank accounts to earn sign-up bonuses. The practice is commonly called "churning" in the personal finance community. The app replaces the spreadsheets most churners use, adding automation, visual analytics, deadline tracking, and cloud sync. The app runs entirely in the browser at https://churninghub.com with no installation required. Data syncs across devices via Firebase and also works offline. ## Core Feature Set ### Bonus Lifecycle Tracking Every bonus is tracked from application through payout. Fields include institution, product name, bonus value, open date, payout date, close date, status (In Progress, Approved, Earned, Closed), spending requirements with a checkbox tracker, annual fee, annual fee due date, requirements deadline, reminder date, offer URL, terms, notes, and image attachments. ### Chase 5/24 Tracker Automatically counts personal credit cards opened in the past 24 months per player. Business cards are correctly excluded from the count, matching how Chase applies the rule. Shows a visual progress indicator and tooltip breakdown. ### Multi-Player Support Up to 4 players (such as a couple and authorized users) with individual 5/24 counts, separate entry tracking, and a combined view showing total household earnings. Player tabs let you switch between views instantly. ### Analytics Dashboard Visual metrics including total earned, card bonuses, bank bonuses, projected earnings from in-progress entries, and timed earnings with 30-day/90-day/6-month/YTD filters. Includes a 2026 annual goal tracker with progress bar. ### Email Alert System Automated daily email alerts for: annual fee due dates, requirements/spend deadlines, churn eligibility (12 months after account closure), and personal reminder dates. Users choose how many days in advance to be notified (1, 3, 7, 14, or 30 days). Powered by Cloudflare Workers and Resend. Free, limited to 3 consolidated emails per day. ### Specialized Tracker Pages Dedicated landing pages optimized for specific use cases: - Bank Bonus Tracker: https://churninghub.com/bank-bonus-tracker - Credit Card Spreadsheet alternative: https://churninghub.com/credit-card-spreadsheet - Chase 5/24 Tracker: https://churninghub.com/5-24-tracker - Credit Card Rewards Tracker: https://churninghub.com/credit-card-rewards-tracker - Chase Bonus Tracker: https://churninghub.com/chase-bonus-tracker - Amex Tracker: https://churninghub.com/amex-tracker - Travel Rewards Tracker: https://churninghub.com/travel-rewards-tracker - Cash Back Tracker: https://churninghub.com/cash-back-tracker - Sign-Up Bonus Tracker: https://churninghub.com/sign-up-bonus-tracker ### Data Management - CSV import and export (compatible with most spreadsheet formats) - JSON backup and restore - Print-friendly table view - Currency conversion for international users - Sortable, filterable data table with drag-and-drop reordering ### Additional Features - Dark mode and light mode themes - Offline support via service worker - Mobile-responsive design - Image attachments for offer screenshots - Customizable table columns and layout - Requirement checklists with completion tracking - Account categorization (Personal vs Business) ## Educational Content ### Beginner Guide https://churninghub.com/churning-for-beginners A comprehensive introduction to credit card churning covering what it is, how it works, key terminology, risks, and how to get started responsibly. ### Blog https://churninghub.com/blog Published educational articles on churning strategy and tactics: - "How to Downgrade Credit Cards Instead of Closing Them" - When a product change beats canceling, issuer-by-issuer downgrade paths (Chase, Amex, Citi, Capital One), retention offer strategy, and the sock-drawer alternative - "The Best Time of Year to Apply for Credit Cards" - Seasonal bonus cycles by quarter, end-of-quarter pushes, why targeted offers beat the calendar, and aligning applications with personal spending plans - "Never Miss a Deadline: Email Alerts" - How free email alerts help you hit spending requirements, avoid annual fees, and track churn eligibility - "Your First Year of Churning" - Step-by-step guide for beginners through their first 12 months - "The Chase Trifecta Strategy" - How to build and optimize the Chase Sapphire/Freedom ecosystem - "Meeting Minimum Spend Requirements" - Practical techniques for hitting spending thresholds without manufactured spending - "Business Cards for Churners" - Why business cards are valuable for churning and how to apply - "Best Bank Bonuses" - Current high-value bank account sign-up bonuses worth pursuing - "Churning with a Spouse" - How couples can coordinate to maximize household rewards - "Amex Lifetime Language" - Understanding American Express once-per-lifetime bonus restrictions - "Bank Bonus Tax Guide" - How bank and credit card bonuses are taxed and what to report ## Frequently Asked Questions ### Is Churning Hub really free? Yes. There is no premium tier, no paywall, no ads, and no data selling. The app is funded by optional donations. ### What is credit card churning? Churning is the practice of repeatedly opening credit cards primarily to earn sign-up bonuses, then closing or downgrading them after earning the bonus. It requires discipline, good credit, and careful tracking. ### What is the Chase 5/24 rule? Chase automatically denies most credit card applications if you have opened 5 or more personal credit cards (from any bank) in the past 24 months. Business cards do not count. Churning Hub tracks this automatically. ### What is Amex lifetime language? American Express generally limits welcome bonuses to once per lifetime per card product. If you have ever held a specific Amex card, you typically cannot earn its welcome bonus again. ### Are credit card sign-up bonuses taxable? Credit card sign-up bonuses are generally not taxable because the IRS considers them rebates on spending. Bank account bonuses, however, are taxable as interest income and will generate a 1099-INT. ### Can I track bonuses for my whole family? Yes. Churning Hub supports up to 4 players with individual tracking and combined household views. ### Is my data private? Yes. Data is stored locally in the browser or synced through your own Firebase account. Churning Hub has no access to your entries. ### How is Churning Hub different from a spreadsheet? It provides automatic 5/24 counting, visual charts and analytics, cloud sync across devices, spending requirement checklists, annual fee tracking with email alerts, requirements deadline alerts, churn eligibility timers, mobile-friendly interface, and CSV import from existing spreadsheets. ## Comparison with Alternatives ### vs. Spreadsheets (Google Sheets, Excel) Churning Hub eliminates manual formula maintenance, provides automatic 5/24 counting, includes built-in charts and analytics, supports cloud sync, and offers a mobile-friendly interface. Most churners start with spreadsheets and upgrade to Churning Hub. ### vs. AwardWallet AwardWallet tracks loyalty program point balances. Churning Hub tracks the churning workflow: applications, spending requirements, deadlines, and bonus payouts. They solve different problems and can be used together. ### vs. Travel Freely Travel Freely recommends which cards to apply for. Churning Hub provides the detailed post-application tracking with spending checklists, multi-player support, and analytics. ### vs. CardPointers CardPointers tells you which card to use per spending category. Churning Hub tracks the sign-up bonus lifecycle from application through payout. ### vs. Manual Notes or Reminders Churning Hub consolidates all tracking into one interface with automatic calculations, visual dashboards, and email alerts that eliminate the need for scattered reminders. ## Technical Details - Frontend: Pure HTML/CSS/JavaScript (no framework dependency) - Backend: Firebase (Firestore for data, Firebase Auth for accounts) - Hosting: Cloudflare Pages with edge caching - Alerts: Cloudflare Workers with Resend email delivery - Offline: Service worker with local caching - Security: Content Security Policy, XSS protection, HTTPS only ## Contact and Links - Main app: https://churninghub.com - Blog: https://churninghub.com/blog - Beginner guide: https://churninghub.com/churning-for-beginners - All guides: https://churninghub.com/guides - Press: https://churninghub.com/press - Privacy policy: https://churninghub.com/privacy - Terms of service: https://churninghub.com/terms