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Documentation Index

Fetch the complete documentation index at: https://docs.churningtracker.com/llms.txt

Use this file to discover all available pages before exploring further.

Cards and the people who own them are the foundation of churning. Every order ties back to a card, and every card ties back to an account owner.

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Account owners

Account owners are the people whose orders and cards you track — yourself, P2, family, etc.
Account owner detail view

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Add an account owner

  1. Go to Account owners → New owner.
  2. Enter a name and optional notes.
  3. Save.
You can edit or delete owners later, but only after reassigning their cards and orders.
Use short names. They appear in lots of dropdowns and tables.

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Credit cards

The Credit cards page is your card portfolio. Overview stats at the top show total cards, active vs inactive, and total annual fees.
Credit cards list

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Add a card

Open Credit cards → New card. Fields: Identity
  • Issuer (Chase, Amex, Citi, Capital One, Barclays, etc.)
  • Network (Visa, Mastercard, Amex, Discover)
  • Product name (e.g., “Sapphire Preferred”)
  • Last 4
  • Account owner
Dates
  • Open date
  • Close date (optional)
Financials
  • Annual fee
  • Credit limit
Sign-up bonus
  • SUB amount (points or cash)
  • Minimum spend requirement
  • Spend-by date
  • Status (in-progress, met, expired)
Earning rates
  • Categories and multipliers (e.g., 3x dining, 5x travel)

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Card statuses

  • Active — open and being used
  • Inactive — open but not in active rotation
  • Closed — closed out (keep for history)
  • Product changed — converted to a different product

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Tying it together

Here’s how cards connect to the rest of the system: 
Account owner → owns → Credit card → used for → Order
                                                  ↓
                                             earns points
                                                  ↓
                                        Point balance (see /points)
See Points for tracking point balances and valuations.