Last updated: January 2026 · Written in plain English
📋 The short version: Churning Hub is a free tool to track your bonuses. Use it responsibly. We're not financial advisors. Keep your own backups.
Churning Hub is a free web app that helps you track credit card and bank bonuses. That's it. We're not a bank, not financial advisors, and not responsible for your churning decisions. We just built a tracker we wanted to use ourselves.
You need to be 18+ to use this.
Keep your password safe.
Everything that happens under your account is your responsibility.
Don't try to break things, spam the system, or abuse the service. Don't use it for anything illegal. We can shut down accounts that cause problems.
You own everything you enter. We just store it for you. You can export it anytime, and you can delete your account whenever you want. See our Privacy Policy for details.
Please export your data regularly. We do our best to keep everything safe, but stuff happens. The export feature is there for a reason. Use it.
This is a free side project. We'll do our best to keep it running and bug-free, but we can't promise it'll be perfect or available 100% of the time. We might also change features, fix bugs, or update things without notice.
We're churners, not financial advisors. This tool just helps you track things. Any decisions about credit cards, bank accounts, or your finances are 100% on you. Do your own research.
The legal stuff (for the lawyers):
THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. WE'RE NOT LIABLE FOR ANY DAMAGES, DATA LOSS, MISSED BONUSES, OR ANYTHING ELSE THAT MIGHT GO WRONG. BY USING CHURNING HUB, YOU ACCEPT THESE TERMS AND AGREE NOT TO HOLD US RESPONSIBLE FOR ISSUES THAT ARISE FROM YOUR USE OF THE SERVICE. GOVERNED BY US LAW.
We might update these terms occasionally. If it's something major, we'll try to let you know. Continuing to use the app means you're cool with the current terms.
Use the feedback button in the app. Happy churning! 🎉