Churnie: Card Churn Tracker

About Churnie

Australian banks pay big sign-up bonuses, and take them back from anyone who slips. Churnie plans the whole game. Pick a trip, like Tokyo in business for two, and Today shows the points you have, the bonuses on the way and how many churns are left.

The Plan lays out the next 24 months: finish a spend, keep a card for its year-2 points, apply here, book the trip, with applications spaced about three months apart and only at banks that will pay you. Drag a card and the trip date moves. Bank exclusion rules come from a feed checked against each bank's own page every week, and a first-run check of your past cards makes them right from day one.

Add a card by picking it from a list, enter spend as the total your bank app shows, and a Sunday check-in keeps it current. Keep or cancel shows what a year-2 bonus is worth before the fee. Two players track a couple's cards toward one trip, and the haul tallies points banked, fees dodged and milestones. Free, private, no bank logins, no card numbers.