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Credit cards do two jobs in Churning Tracker. They’re a record of what you hold: annual fees, limits, bonuses, and dates. And they’re how order profit learns about points, because each order’s card earnings come from the card you paid with. The page is under Cards & Accounts → Credit Cards.
The Credit Cards page with summary tiles and the cards table
The tiles at the top count active and closed cards, total annual fees (waived fees excluded), total credit limit, and each owner’s Chase 5/24 count, which is personal cards opened in the last 24 months, not counting product changes.

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Add a card

1

Open the form

Click Add card.
2

Pick the owner, issuer, and product

Owner defaults to your primary account owner. Choose the issuer, then search the product catalog. The annual fee and card type fill in from the product, and you can change the fee. If a product is missing, use the Can’t find it? Submit a request link.
3

Fill in what you track

Under Optional: nickname, last 4 or 5 digits, credit limit, and the Default Earn Rate, which pre-fills the earn rate on every order paid with this card. Tick Exclude earnings from profit calculations for cards whose points you don’t want counted.Under Important Dates: opened date, expiration, planned close date, closed date, payment due day (use 31 for the last day of the month), and the date an annual fee waiver ends.Under Sign Up Bonus: the bonus amount and type (points or cash), the spend requirement, the deadline, and a Received checkbox.
4

Save

Click Add Card.
The Add credit card form
Cards can carry tags on paid plans and notes up to 1,000 characters. Duplicate in the row menu copies a card without its last digits.

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Product changes

When you upgrade, downgrade, or sidegrade a card, add the new card and link it under Product Changes with Opened From. Churning Tracker closes the old card on the new card’s open date and links the two, so the detail panel shows the history and the 5/24 count doesn’t double count. Both cards must belong to the same owner.

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Closing a card

Set the Closed Date. Closed cards get a Closed badge, drop out of To Dos and the renewal count, and are hidden from the order form’s card picker unless you turn on Show closed credit cards. Deleting a card instead removes it from its orders, so their card earnings drop to zero. Set a Planned Close Date and you’ll get an email reminder seven days before.

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Earn rates and card earnings

Each order has one earn rate, copied from the card’s default when you pick the card, and editable per order under Additional Details. Earnings are worked out from that rate:
  • Points cards from Amex, Chase, Capital One, Citi, Wells Fargo, U.S. Bank, and Bilt: order total × earn rate × your valuation for that program. Other issuers use 1 cent per point.
  • Cash back cards: order total × earn rate as a percentage, so 2× means 2%.
  • Cards marked as excluded from profits earn nothing.
The card detail panel lists the product’s category multipliers, like 3× dining, for reference and sorting. They aren’t applied to orders on their own; set the order’s earn rate to match when a purchase qualifies.
A credit card's detail panel with tiles, multipliers, and benefits

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Sub-cards

Authorized user, employee, and virtual cards sit under their parent card. Open a card’s detail panel, expand Sub-cards, and click Add sub-card. Give it a nickname or last digits, a type, and an optional spend requirement and deadline. On an order, picking a card that has sub-cards reveals a Sub-card picker. The order still belongs to the parent card, so the parent’s earn rate and exclusion setting decide the earnings, and the parent’s spending includes its sub-cards. Sub-cards are a paid feature with a per-card limit; see Plans and limits.

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Reading the table

  • Badges on the card name: Closed, Due Soon (payment due within five days), Closing (planned close within seven days), Renewing (anniversary within 14 days).
  • Spending is the total of non-cancelled buying group, gift card, and resale orders on the card. Hover for the breakdown.
  • Expected Renewal is the next anniversary of the opened date.
  • Multipliers lets you pick a spending category and sort cards by their rate for it.
  • Filters: tags, issuer, personal or business, owner, included or excluded from profits, hide closed cards, and sign-up bonus not yet received.
  • Bulk actions: update tags, delete. Import and export are covered in CSV imports and CSV exports.
Recurring benefits on your cards are tracked on the To Dos page.