Churnie: Card Churn Tracker
Android app by Mental Metal. Finance · Mental Metal
- Store rating
- Unknown
- Store rating count
- Unknown
- Download price
- Free to download
- In-app purchases
- Not listed in captured metadata
- Version
- 1.3.1
- Listing last refreshed
- 2026-09-14
View the original store listing
Store description excerpt
Churning credit cards for sign-up bonuses is the highest-yield points hobby in Australia. It is also unforgiving: miss a minimum spend by $100 and a $1,500 bonus is gone; forget one cancel date and the year-2 fee eats your profit. Churnie is the discipline layer. Add a card in 30 seconds and it handles the rest. PACE THE MINIMUM SPEND Live dollars-per-day pacing and deadline reminders at 14, 7, 3 and 1 days. NEVER MEET A YEAR-2 FEE A cancel-by date with reminders at 30, 7 and 1 days, plus a cancel-day checklist: points landed, balance zero, direct debits moved, clawback window passed. KNOW WHO WILL PAY YOU NEXT The Radar lists the sign-up offers running right now — points, minimum spend, annual fee and any cashback — each one checked against the bank's own page. Alongside them it checks every Australian issuer's bonus exclusion window against your history, including the traps: the 18-month any-card rule some charge-card issuers apply, and the Westpac group sharing one bonus window across four brands. TRACK THE CASH, TOO Some offers pay cashback as well as points. Churnie says when it should hit your statement, nudges you if it doesn't, and warns you before you close a card while it is still owed. SEE THE WHOLE PLAN A timeline of every card's phases and fee cliffs, months ahead. A lifetime ledger of points earned, fees paid and net value. PRIVATE BY DESIGN No accounts. No bank logins. No card numbers. Everything stays on your phone. COMPLETELY FREE Unlimited cards, every feature. Rules data is informational, not financial advice; verify offers with the bank. Churnie is independent and not affiliated with any bank or program.
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