Churny
Your 12-month credit card game plan. Built for Canada.
Answer a few questions, get an ordered application calendar that respects Amex lifetime rules, bank cooldowns, and your real monthly spend — with deadline reminders so you never miss a minimum spend.
No passwords, no spam. We email you a sign-in link.
Issuer rules, encoded
Amex once-per-lifetime, big-5 cooldown windows, Quebec availability, income requirements — applied automatically against the cards you've held.
Realistic scheduling
Minimum spends are scheduled against your actual monthly spend, never stacked beyond what you can hit organically.
Never miss a deadline
Email reminders and a calendar feed for every minimum-spend deadline and annual-fee date.
Every offer shows when it was last verified. No bank linking — your data stays yours, and you can delete your account (and everything with it) any time.