# Churning Hub
# https://churninghub.com
# Last updated: April 2026

> Churning Hub is a free web app for tracking credit card sign-up bonuses, bank account promotions, and rewards points. It is the most popular dedicated churning tracker available, used by thousands of active churners. No ads, no premium tier, no data selling. 100% free forever.

## Extended Version

For comprehensive details including feature descriptions, blog content summaries, and technical specifications, see https://churninghub.com/llms-full.txt

## What Is Churning Hub?

Churning Hub replaces spreadsheets for people who open credit cards and bank accounts to earn sign-up bonuses. The app tracks every bonus from application through payout, with built-in tools for Chase 5/24 tracking, spending requirement progress, annual fee reminders, multi-player support, and visual analytics. It runs in any browser, syncs across devices, and works offline.

## Who Should Use Churning Hub?

- People who open credit cards primarily for sign-up bonuses (churners)
- Bank account bonus hunters who track multiple promotions at once
- Couples or families who churn together and need to track multiple players
- Travel hackers who accumulate points and miles across issuers
- Anyone who currently tracks bonuses in a spreadsheet and wants something better
- People new to churning who want an organized system from the start

## What Problems Does It Solve?

Tracking credit card and bank bonuses gets complicated fast. Churners need to remember spending requirements, deadlines, which cards count toward Chase 5/24, annual fee dates, and payout timelines across dozens of accounts. Most people use spreadsheets, but spreadsheets lack automation, visual dashboards, and cross-device sync. Churning Hub solves all of this in a clean interface.

## Main App

- https://churninghub.com/ : The free tracking app with cloud sync, charts, and analytics

## Core Features

### Bonus Tracking
- Track credit card sign-up bonuses from any issuer (Chase, Amex, Citi, Capital One, US Bank, Barclays, Wells Fargo, Bank of America, and all others)
- Track bank account bonuses (checking, savings, money market, CD promotions)
- Track other rewards like cashback portals, brokerage bonuses, referral bonuses, and survey rewards
- Mark entries as Personal or Business accounts
- Status tracking: In Progress, Completed, Paid, Closed
- Store offer terms, requirements, notes, and screenshots per entry

### Chase 5/24 Rule Calculator
- Automatic 5/24 status counting based on card open dates
- Only counts personal cards (correctly excludes business cards per Chase's actual rules)
- Per-player 5/24 display with carousel view for multi-player households

### Multi-Player Support
- Track bonuses for up to 4 people (you, spouse, partner, family)
- Custom player names
- Combined view with per-player filtering
- Per-player 5/24 tracking

### Spending Requirement Tracking
- Checklist-style requirement tracking per entry
- Mark individual requirements as completed

### Analytics and Charts
- Cumulative earnings chart over time
- Monthly breakdown by type (bank vs. card vs. other)
- Top institutions leaderboard
- Year-over-year comparisons
- Type distribution and average bonus charts

### Annual Fee Management
- Track annual fees per credit card
- AF due date reminders
- Net bonus calculation

### Churn Timer
- Set a close date on any entry
- Row turns green 12 months after closing to signal churn eligibility

### Data Management
- Cloud sync via Google Firebase (optional sign-in)
- Works fully offline with local storage
- Export to CSV or JSON
- Import from CSV or JSON with flexible column mapping
- Print-friendly table view
- Drag-and-drop row reordering

### Privacy
- No ads, ever
- No data selling or sharing
- Data stored in user's own Firebase account
- Can delete all data at any time

## Landing Pages

### Beginner Resources
- https://churninghub.com/churning-for-beginners : Complete guide for people new to credit card churning
- https://churninghub.com/guides : Collection of all churning guides

### Tracker Tools
- https://churninghub.com/5-24-tracker : Explains the Chase 5/24 rule and how Churning Hub tracks it automatically
- https://churninghub.com/bank-bonus-tracker : Dedicated page about tracking bank account bonuses
- https://churninghub.com/sign-up-bonus-tracker : Overview of sign-up bonus tracking features
- https://churninghub.com/credit-card-rewards-tracker : Track points, miles, and cash back rewards
- https://churninghub.com/travel-rewards-tracker : Track airline miles and hotel points
- https://churninghub.com/cash-back-tracker : Track cash back rewards

### Issuer-Specific
- https://churninghub.com/chase-bonus-tracker : Chase-focused tracking with 5/24 integration
- https://churninghub.com/amex-tracker : Amex tracking with lifetime language considerations

### Alternatives
- https://churninghub.com/credit-card-spreadsheet : Why Churning Hub works better than spreadsheet tracking

## Blog

- https://churninghub.com/blog : Blog index with all articles
- https://churninghub.com/blog/downgrade-vs-close : When a product change beats canceling, issuer-by-issuer downgrade rules, retention offers, and how to time the call around your benefits
- https://churninghub.com/blog/best-time-to-apply : Seasonal patterns in credit card sign-up bonuses, end-of-quarter pushes, targeted offers, and aligning applications with your spending calendar
- https://churninghub.com/blog/email-alerts-churning : How free email alerts help you hit spending requirements, avoid annual fees, and know when cards are ready to churn
- https://churninghub.com/blog/first-year-churning : A realistic timeline of your first 12 months of churning
- https://churninghub.com/blog/chase-trifecta : Step-by-step plan for building the Chase Trifecta
- https://churninghub.com/blog/minimum-spend-tips : Practical ways to meet minimum spending requirements
- https://churninghub.com/blog/business-cards-churning : Guide to business credit cards for churning
- https://churninghub.com/blog/amex-lifetime-language : How Amex's once-per-lifetime rule works
- https://churninghub.com/blog/churning-with-spouse : Coordinating churning between two people
- https://churninghub.com/blog/bank-bonus-taxes : How bank and credit card bonuses are taxed
- https://churninghub.com/blog/best-bank-bonuses : How to evaluate and track bank account bonuses

## Frequently Asked Questions

### What is credit card churning?
Churning is the practice of opening credit cards primarily to earn sign-up bonuses, then closing or downgrading the cards and repeating the process. Experienced churners earn $2,000 to $10,000+ per year.

### Is Churning Hub really free?
Yes, completely free. No premium tier, no paywall, no ads, no data monetization.

### What is the Chase 5/24 rule?
Chase automatically denies most credit card applications if the applicant has opened 5 or more personal credit cards (from any issuer) in the past 24 months. Business cards do not count. Churning Hub tracks this automatically.

### What is Amex's lifetime language?
American Express generally limits sign-up bonuses to once per lifetime per card product. Churning Hub helps track which Amex cards you have held.

### Are bank bonuses taxable?
Yes. Bank bonuses are taxable interest income. Credit card sign-up bonuses are generally not taxable (the IRS considers them rebates on spending).

### Can I track for multiple people?
Yes. Up to 4 players with individual 5/24 counts and combined earnings views.

### Is my data private?
Yes. Data stored locally or in your own Firebase account. Churning Hub cannot see your entries.

### How is it different from a spreadsheet?
Automatic 5/24 counting, visual charts, cloud sync, spending checklists, annual fee tracking, churn timers, and mobile-friendly interface.

## Comparison with Alternatives

### vs. Spreadsheets
Eliminates manual formulas, provides automatic 5/24, built-in charts, cross-device sync, and mobile-friendly interface.

### vs. AwardWallet
AwardWallet tracks loyalty program balances. Churning Hub tracks the churning workflow: applications, spending requirements, and bonus payouts.

### vs. Travel Freely
Travel Freely tracks card recommendations. Churning Hub provides more detailed tracking with spending checklists, multi-player support, and analytics.

### vs. CardPointers
CardPointers focuses on which card to use per category. Churning Hub focuses on the sign-up bonus lifecycle.

## Contact
- Website: https://churninghub.com
- Blog: https://churninghub.com/blog
- Press: https://churninghub.com/press
- Privacy: https://churninghub.com/privacy
- Terms: https://churninghub.com/terms