AmmoTel vs Churnly

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Churnly is a family rewards tracker for people who take points and miles seriously. Track everything you and your family hold in one place, entered by you, on your terms. Free to start, no payment details needed. WHAT YOU CAN TRACK • Points and miles across airlines, hotels, and bank programs, with real dollar values • Free night certificates with expiry dates, grouped by the card that earns them • Card credits (monthly, quarterly, semi-annual, annual) with per-period tracking, so nothing expires unused • Sign-up bonuses: minimum spend progress and the deadline to hit it, per card • Annual fee ROI: see exactly how much value each card returned this year and whether it pays for itself • Card history, including closed cards and product changes, kept for the record BUILT FOR FAMILIES Add every family member, share what you want, keep private accounts private. Each person gets their own totals and their own application rule clocks, and the household view shows who is best placed for the next application. KNOW THE RULES BEFORE YOU APPLY Churnly computes where each person stands against issuer application rules like Chase 5/24, Citi velocity limits, and Amex card caps, straight from the card history you already track. See which cards count, when slots free up, and exactly what each of you can apply for today. YOUR CHURN CALENDAR Twelve months of dated actions in one list: cancel-by deadlines, annual fees posting, minimum spend due dates, credits resetting, certificates expiring, and 5/24 slots opening up. MOVE POINTS WITH A PLAN Need 60,000 points in a specific program? The transfer planner shows which family balances can get there, at what ratio, and whether you are short. STAY AHEAD OF EXPIRY Reminders before credits reset, certificates expire, minimum spend windows close, and fees post, plus a summary of what is ready to use. FAST SETUP Pick cards from the catalog and their credits load automatically, or paste your spreadsheet to import balances and cards in one step. PRIVATE BY DESIGN Everything is manual entry. Churnly never asks for bank or loyalty passwords, never connects to your accounts, and never shows ads or sells data. Your numbers stay yours.