Churning Hub
A free tracker for credit card and bank sign-up bonuses that replaces the spreadsheet you have been meaning to organize since 2019.
The Problem
If you are into credit card churning, you know the drill. You have a spreadsheet somewhere with card names, application dates, bonus amounts, minimum spend deadlines, and annual fee dates. Maybe it is in Google Sheets. Maybe it is in a note on your phone. Maybe it is in your head, which is worse. The spreadsheet works until it does not, usually around the time you realize you missed a minimum spend deadline or lost track of your Chase 5/24 count.
Churning Hub is the tool I built after my own spreadsheet got too messy to trust.
What It Does
- Track every bonus from credit cards, bank accounts, and brokerage promotions in one place
- Status tracking from application through approval, spending, and payout with dates at each stage
- Chase 5/24 counter that automatically calculates your status based on your tracked cards
- Charts and analytics showing earnings by month, by year, by card issuer, and by type
- Goal tracker so you can set a target for the year and watch progress fill up
- Multi-player support for households where both partners are churning
- Annual fee reminders and churn eligibility date tracking
- Earnings heatmap, personal records, and year-over-year comparisons in the analytics dashboard
- CSV import with smart field mapping if you are migrating from a spreadsheet
- Multi-currency support with live exchange rates for international users
Cloud Synced, Still Private
Unlike BridgeToFI which runs entirely in the browser, Churning Hub uses Firebase for authentication and cloud storage so your data syncs across devices. You can log in from your phone and see the same dashboard as your laptop. The data is encrypted in transit and at rest, and the only information stored is what you choose to track. No analytics beyond basic page views, no data sharing, no ads.
Who It Is For
Anyone who applies for credit cards or opens bank accounts to collect sign-up bonuses. Whether you are doing one or two cards a year or running a full household operation with dozens of active applications, this is a cleaner way to manage it than a spreadsheet. If you track travel rewards or cash back from card spending (not just sign-up bonuses), there is a rewards tracking section for that too.