Updated to v1.7

Churning Hub

Track credit card & bank bonuses. Hit your goals. See your progress.

✓ 100% Free
✓ No ads
✓ Your data stays yours

What Churning Hub does

Churning Hub is a free web app for people who open credit cards and bank accounts to earn sign-up bonuses. It replaces the spreadsheet: log every bonus from application to payout, check off spending requirements, and see totals by year, by player, and by institution.

  • Automatic 5/24 count. Add your cards with open dates and the Chase 5/24 tracker counts personal cards from the last 24 months and shows when the next slot opens.
  • Bank and card bonuses together. Track bank account bonuses, credit card sign-up bonuses, and other rewards in one table.
  • Households. Up to four players with separate 5/24 counts and combined earnings.
  • Deadlines. Email alerts for spending deadlines, annual fees, and cards that are ready to churn again.
  • Your data. Export to CSV or JSON any time, delete everything with one click. No ads, no data selling.

New to this? Start with the beginner's guide, the glossary, or the blog.

Press · Privacy · Terms
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Your data is yours. We never sell, share, or peek. 🔒

Terms & Privacy • Watch Demo
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The Simple Version

Your Data

Everything you enter belongs to you. We store it securely so you can access it from any device. We never sell, share, or look at your data. You can export or delete it anytime.

What We Collect

Just your email (to log in) and whatever bonus info you choose to track. We use Google Analytics to see basic usage stats like "how many people visited today" but nothing personal.

The Honest Truth

This is a free side project. We do our best to keep it running smoothly, but we can't promise perfection. Please keep your own backups of important data (there's an export button for that). We're not financial advisors, just fellow churners who built a tool we wanted to use.

Be Cool

Don't abuse the service or try to break things. We reserve the right to shut down accounts that cause problems.

By signing up, you're agreeing to these terms. That's it. Happy churning! 🎉

Full Legal Terms • Full Privacy Policy

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📋 Changelog

v1.7 October 2026

  • Guest mode: try the tracker without an account, then save your data to a free account later
  • 5/24 tile shows when your next slot opens
  • Marking an entry Paid with no payout date now records today's date
  • Offline support for your entries: changes made without a connection sync when it returns
  • Dark mode loads without a white flash
  • A clear message, instead of a blank screen, when an extension or network filter blocks the sign-in scripts
  • Churn-eligibility badge explains itself on hover or tap instead of a pop-up dialog
  • A one-time "what's new" note after each update, and a refresh prompt when a newer version is ready
  • Fixed dates on the 1st of a month landing in the previous month for US time zones (totals, best month, 5/24 and alerts were all affected)
  • Fixed the "Show all years" link in the table
  • Fixed day-first dates (DD/MM/YYYY and DD.MM.YYYY) in CSV import
  • CSV export now guards against spreadsheet formula injection
  • Fixed drag-to-reorder attaching a new handler every time the table refreshed
  • Fixed a horizontal scrollbar on desktop caused by hidden tooltip text
  • Fixed currency rates being blocked by the page security policy
  • Four new blog posts, a 48-term churning glossary, refreshed guides, and a social preview image that finally exists

v1.6 March 2026

  • Email alerts for upcoming deadlines, annual fees, churn eligibility, and personal reminders
  • Requirements deadline field so you can set the exact date your spending is due
  • Configurable lead time: get notified 1, 3, 7, 14, or 30 days before any deadline
  • One consolidated daily email keeps your inbox clean (max 3 per day)
  • Alert badges on requirements in the table show when deadlines are approaching
  • New blog covering email alerts, deadline tracking, and churning strategies
  • Improved form labels and field descriptions across all inputs
  • Expanded AI and search engine crawler support for better discoverability
  • Updated sitemap and SEO infrastructure
  • Fixed logout stall and service worker sync issues
  • Fixed footer visibility on shorter pages
  • Fixed Firebase permission errors on first login

v1.5 January 2026

  • Multi-currency support (USD, GBP, EUR, CAD, AUD, INR)
  • Auto-detects user region and displays local currency
  • Live exchange rates updated daily
  • Currency selector in header
  • International user welcome popup

v1.4 January 2026

  • Security hardening and XSS protection
  • Firebase App Check integration
  • Improved input validation
  • Legal pages (Terms, Privacy)
  • Google Analytics integration

v1.3 January 2026

  • Advanced analytics dashboard (V2 features)
  • Personal records tracking (biggest bonus, best year, best month)
  • Year over year comparison charts
  • Monthly heatmap visualization
  • Earnings by player breakdown
  • Institution leaderboard
  • Goal tracker with progress bar
  • Fun equivalent calculator

v1.2 December 2025

  • Multi-player support (track bonuses for household members)
  • Bulk actions (select multiple, bulk delete, bulk status change)
  • CSV import with smart field mapping
  • Print/export view for records
  • Column reordering via drag and drop
  • Advanced filtering (amount ranges, date ranges)
  • Duplicate entry feature
  • Image/document attachments per entry

v1.1 December 2025

  • Cloud sync with Firebase authentication
  • Dashboard with totals by type and time period
  • Charts (bar, doughnut, line) for visualizing earnings
  • Subcategory support (Brokerage, Savings, Checking, etc.)
  • Status tracking (Applied, Pending, Completed, Paid, Closed)
  • Churn eligibility date tracking
  • Annual fee reminders
  • Dark mode interface
  • Mobile responsive design
  • Offline support with service worker

v1.0 November 2025

  • Initial release
  • Basic bonus tracking (institution, product, amount, dates)
  • Bank and credit card categorization
  • Requirements and notes fields
  • Local storage for data persistence
  • Sortable and filterable table

Built with ❤️ for the churning community

👋 You are in guest mode. Your entries live in this browser only. Create a free account to keep them and sync across devices.
Churning Hub ✏️
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US Dollar$ USD
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British Pound£ GBP
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Euro€ EUR
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Canadian DollarC$ CAD
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Australian DollarA$ AUD
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Indian Rupee₹ INR
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Total Earned

$0.00
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Bank Bonuses

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Card Bonuses

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Other

$0.00
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Projected

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In Progress
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Timed Earnings

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🎯 2026 Goal

Edit Goal
0%
$0 earned Goal: $5,000
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🏆 Biggest (All-Time)
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🎯 Biggest (This Year)
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📅 Best Month
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🔥 Current Streak
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months with bonus
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♻️ Ready to Churn iAccounts marked Closed with a Closed Date 12+ months ago. These may be eligible to re-apply for a new bonus.
0
accounts past 12mo
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🃏 5/24 Status iChase's 5/24 rule: Counts personal cards with an Open Date in the last 24 months. Business cards are excluded. 5+ cards = auto-denied for most Chase cards.
0/5
P1
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💡 You've earned the equivalent of 0 fancy dinners or 0 round-trip flights!
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Earnings

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Income Source

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Cumulative Growth

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Year-over-Year

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Bonus Distribution

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Top Institutions

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    Monthly Heatmap

    JFMAMJJASOND
    $0
    $5k+
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    Player Comparison

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    Monthly Trend

    Add New Bonus

    Click or paste a screenshot

    0 selected
    :: ⋮⋮Player ↕ ⋮⋮Opened ↕ ⋮⋮Institution ↕ ⋮⋮Status ↕ ⋮⋮Info ⋮⋮Amount ↕ ⋮⋮Payout ↕ ⋮⋮Terms Action
    Free / No Ads, because you deserve that. ❤️
    Delete My Account · Install App · Changelog
    ↑ Jump to Entries
    Guides · Blog · Beginners · Glossary · 5/24 Tracker · Bank Bonuses · Chase · Amex
    SUB Tracker · Travel Rewards · Cash Back · Rewards Tracker · Spreadsheet Alt
    Press · Privacy · Terms
    © Churning Hub
    🌍 Welcome to Churning Hub!
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    🇺🇸 USD
    🇬🇧 GBP
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    🇨🇦 CAD
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