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The Churning Tracker
A credit card churning spreadsheet that measures every burn.
Ten linked tabs in Google Sheets covering the whole life of a card, from application through the annual fee decision, plus a redemption log that tells you whether each redemption was actually good.
$79 · one-time · Google Sheets
Inside the tracker
Ten tabs, one system
Each tab exists because I lost money without it.
Card history
Applications, approval dates, minimum spend deadlines, bonus posted, annual fee due and closure dates.
Issuer rules
5/24, 2/90, 2/3/4, 6/24, 8/65 and 1/6, with your own counts calculated against them.
Card benefits
Credits, elite status and insurance: what you are actually paying the annual fee for.
Point balances
Every program, with expiry dates and the date you need to act by.
Transfer partners
Ratios and transfer times, so you never move points the wrong direction.
Redemption log
Cash price, points used, cents per point, and a flag against your target value.
Denials log
What was declined and why. The pattern matters more than any single no.
Bank bonuses
Deposit requirements, hold periods, payout dates and the tax paperwork to expect.
Referrals
Sent, pending and paid, tracked so nothing quietly goes missing.
Annual earn and burn
What came in, what went out, and what the year was worth in real terms.
Issuer rules, built in
Know your counts before you apply
The tracker counts your own applications against the rules that trip people up most. These are widely reported rules of thumb, not published bank policy, and banks change them without notice.
| Rule | Issuer | What it means |
|---|---|---|
| 5/24 | Chase | Applications are commonly declined with five or more new personal cards from any bank in the past 24 months. |
| 2/90 | American Express | Generally no more than two new Amex credit cards in a 90-day window. |
| 2/3/4 | Bank of America | Up to two new cards in two months, three in twelve months and four in 24 months. |
| 6/24 | Barclays | Approvals get harder with six or more new accounts in 24 months. |
| 8/65 | Citi | No more than one Citi card application every 8 days and two every 65 days. |
| 1/6 | Capital One | Roughly one new Capital One card every six months. |
Why cents per point
The redemption log is the point
Most churning spreadsheets stop at applications and bonuses. This one follows the points all the way out. Every redemption records the cash price and the points used, works out the cents per point, and flags it good or bad against your own target.
Over a year it answers the question that matters: was all of this actually worth it?
What you get
Your copy, yours to keep
- Your own copy in Google Sheets, editable and private to you
- A Start Here tab and sample rows showing how each tab works
- Issuer rule counts that update as you log applications
- Updates for the first year when issuer rules change
Questions
About the tracker
Does it work in Excel or Numbers?
No. It is built on Google Sheets formulas that Excel and Numbers do not support, so it needs a free Google account. You can use it on a phone or tablet through the Google Sheets app.
Does it connect to my bank or card accounts?
No. You enter your own data, and nothing leaves your Google account. That is deliberate: no logins, no linked accounts, nothing to breach.
How do I get it?
Email to buy and you will get a payment link. After payment you receive a link that makes your own copy in Google Sheets. It is yours to keep and edit.
Can I get a refund?
Because the tracker is a digital file you keep, sales are final once your copy link is delivered. If the link does not work or the file is not what this page describes, email hello@centsperpoint.com within 14 days of purchase and I will fix it or refund you in full.
Is it updated when issuer rules change?
Yes. Updates for the first year are included when issuer rules change.
Is this financial advice?
No. It is a tracking system. Decisions about which cards to apply for, and when, are yours.
Stop guessing what a point is worth.
Get the tracker and log your next redemption properly.