Churnie: Card Churn Tracker

Bonus points in, fees dodged

Only for iPhone

Free · Designed for iPhone. Not verified for macOS.

iPhone

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 checks every Australian issuer's bonus exclusion window against your history, including the traps: Amex's 18-month any-card rule and the Westpac group sharing one bonus window across four brands. 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.

Ratings & Reviews

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Fixes a rare issue where the app could fail to load your cards after updating. Thanks for your patience!

Version 1.0.2

The developer, Gareth Baumgart, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Not Linked to You

    The following data may be collected but it is not linked to your identity:

    • Usage Data
    • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Accessibility

The developer has not yet indicated which accessibility features this app supports. Learn More

Information

Seller
  • Gareth Baumgart
Size
  • 33.4 MB
Category
  • Finance
Compatibility
Requires iOS 13.0 or later.
  • iPhone
    Requires iOS 13.0 or later.
  • iPod touch
    Requires iOS 13.0 or later.
  • Mac
    Requires macOS 11.0 or later and a Mac with Apple M1 chip or later.
  • Apple Vision
    Requires visionOS 1.0 or later.
Languages
  • English
Age Classification
4+
Copyright
  • © 2026 OnIT Tech Pty Ltd
  • Developer Website
  • Privacy Policy

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