About ChurnCards

ChurnCards lists credit card sign-up bonuses with their estimated value, annual fee, spending requirement and offer status, so you can compare cards before checking the issuer's current terms.

Who publishes ChurnCards

ChurnCards is an independent site owned and published by Craig Ramey. It is not affiliated with any card issuer. The site's content and data are maintained with automated scrapers and AI-assisted editing. No one on the site is presented as a credentialed financial adviser, and financial figures are not individually reviewed by a financial professional.

How offers are collected and checked

1. A scheduled scraper runs once a week (Wednesdays). It reads official issuer offer pages for a set of Chase cards, the Barclays JetBlue Plus card and the Wells Fargo Active Cash card, checks the Amex Gold page, and reads one third-party offer tracker (Doctor of Credit) for other cards.
2. An offer is marked confirmed only when a complete offer is read from its source. A failed check keeps the recorded terms and the earlier confirmation date; it never fills in guessed values or a new confirmation date. An offer read with only partial terms is marked for review.
3. The scraper proposes data changes as a pull request. Automated tests and data validation must pass, and the change is reviewed before it is published. Code and content changes go through the same pull-request review.
4. Some details, such as an annual fee, are corrected manually from an official source page that is fetched at the time; the source link and check date are stored with the data.

What the offer labels mean

• Offer confirmed (date): read from its source within the last 10 days.
• Last confirmed (date): confirmed earlier; it may have changed since.
• Unconfirmed estimate: we have no current confirmation. Treat the bonus and value as estimates.

Today the catalog has 14 recently confirmed, 2 last-confirmed-earlier and 27 unconfirmed offers. The catalog was last changed on 2026-11-08; that date does not mean every offer was checked then. Each card page links to its source when one exists. Bonus values use the conservative rates explained on the points calculator, where each rate is marked as an issuer term, an issuer “up to” promotion or a hypothetical scenario, with its own date.

How lists are ordered

The top-offer list and the no-annual-fee list put recently confirmed offers first, then offers last confirmed earlier, then unconfirmed estimates, ordered by estimated bonus value within each group. Other category lists are ordered by estimated bonus value, so check each card's offer label. “Best for” labels are editorial judgments. We do not sell placement or accept payment for reviews. When affiliate links are present, they do not affect order. See our affiliate disclosure.

Corrections

If you see a wrong bonus, fee or rule, email [email protected] with the page and, if you can, the issuer page that shows the correct terms. A correction is made only after the terms are confirmed from a source. The data change goes through the same review as other changes, and incorrect bonus-history entries are excluded from the public history.

Not financial advice

The information on this site is for educational purposes only and is not financial, credit, or tax advice. Credit card terms change often; always check the current offer with the issuer before applying.