Your dated credit card churn roadmap
Enter your cards once. See what to apply for next, when each annual fee hits, and the safe window to downgrade, close, or ask for a retention offer. The math runs in your browser, so your card details never leave your device.
What the roadmap checks
The same rules a careful churner tracks by hand, applied to your dates automatically and tagged by how firm each rule is.
5/24 and cross-issuer gates
Counts personal cards opened in the last 24 months for Chase 5/24, plus Bank of America 3/12 and Barclays 6/24, and tells you the day a slot frees up.
Issuer application velocity
Amex 1 in 5 days and 2 in 90, Citi 8 in 65 days, Capital One one card every 6 months, and Bank of America 2/3/4 limits, all measured from your open dates.
Holding caps
Tracks the Amex limit of five credit cards and four charge cards so a new application does not get auto-declined before you apply.
Sign-up bonus re-earn
Models Chase and Citi 48-month bonus clocks and the Amex once per lifetime rule, so the apply-next list only suggests cards whose bonus you can actually get.
Annual fee and refund timing
Schedules each fee anniversary, the retention-call window once the fee posts, and the issuer refund deadline so a fee never sneaks through.
Downgrade and close windows
Applies the CARD Act 12-month product-change floor and a guardrail that never schedules a downgrade or close before the sign-up bonus is earned.
Your card data never leaves your browser
There is no login, no upload, and no account. You type your cards and open dates, the calendar is computed on your device, and your card names, dates, and fees are never sent to us. The same privacy wedge runs through everything StackEasy builds: we never see your bank login.
Questions about churning timing
Straight answers on 5/24, downgrades, retention calls, and bonus re-earn.
What is the 5/24 rule?
Chase declines most applications if you have opened five or more personal credit cards across all issuers in the past 24 months. Business cards from most issuers do not count toward 5/24, but they are still gated by it at Chase. This planner counts your open dates and tells you when a slot frees up.
Should I downgrade or cancel a card with an annual fee?
Downgrading to a no-fee version in the same family keeps your account age and available credit while ending the fee, and it avoids closing a line. Cancelling makes sense when there is no downgrade path or you want to free up an issuer slot. The CARD Act generally requires you to hold a card 12 months before a product change, so the planner shows the earliest safe downgrade date.
When can I ask for a retention offer?
Retention offers are usually available once the annual fee posts on your statement, which is around your card anniversary. Calling before the fee posts often gets a no. The planner schedules each retention window for the date the fee is expected to hit.
How long do I have to get an annual fee refunded?
Refund windows after the fee posts vary by issuer. Chase and American Express are about 30 days, Citi about 37 days, Capital One about 39 days, and Barclays about 60 days. The planner flags the refund deadline for each fee so you do not miss it.
Does this tool see my bank login or card data?
No. The planner runs entirely in your browser. You type in your cards and open dates, the math happens on your device, and your card details are never sent to our servers. We never see your bank login.
Turn the calendar into a real stack
StackEasy keeps your cards, fares, and perks in one place and tells you the next best move. The churn roadmap is one free piece of it.
Free to start. We never see your bank login.