> ## 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.

# Credit cards & account owners

> Track every card, SUB, and annual fee — tied to the people who own them.

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.

## Account owners

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

<Frame>
  <img src="https://mintlify.s3.us-west-1.amazonaws.com/churningtracker/images/screenshots/account-owners-detail.png" alt="Account owner detail view" />
</Frame>

### 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.

<Tip>
  Use short names. They appear in lots of dropdowns and tables.
</Tip>

## 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.

<Frame>
  <img src="https://mintlify.s3.us-west-1.amazonaws.com/churningtracker/images/screenshots/credit-cards-list.png" alt="Credit cards list" />
</Frame>

### 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)

### 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

## 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](/points) for tracking point balances and valuations.