- Family
- Formulas · flagship
- For
- Points & miles households
- Found at
- pointandchurn.com
Point&Churn
The household credit-card tracker for points and miles people — every card, fee, credit and bonus in one careful place.
- Every card, whole household
- Benefits and credits, annual fees and refund windows, sign-up bonuses and spend progress — for everyone at home.
- Applications & 5/24
- Log applications and see where you stand on the 5/24 rule and other issuer rules.
- Calendar & Dashboard
- Fee dates, credits to use, and the day each 5/24 slot opens — with a Dashboard on top.
- Card Perks
- Monthly, quarterly and annual credits, tracked so none quietly expire.
- Churning margin
- What your cards earned versus what they cost, side by side.
- Planner & Smart intake
- Plan the next card. AI-assisted intake reads statements and spreadsheets you choose to share.
Privacy
Each household's data lives in its own database. Self-hosted, with encrypted off-site backups. No ads. AI only on what you choose to send.
Community
A Help and Ideas board for questions, bugs, enhancements and card requests, with voting — plus a Discord server linked to the app.
Tiers
Free to use as a Member, with a paid tier for extra features.