Churnr is a Canadian credit card optimization platform that uses real merchant data, verified earn rates, and algorithmic portfolio analysis to help you get the most value from your spending.
Canadians leave thousands of dollars in rewards value on the table every year because the credit card landscape is complex. With 150+ cards across a dozen issuers, each with different earn structures, category bonuses, and loyalty ecosystems, finding the right combination for your spending is nearly impossible by hand.
Churnr solves this with an engine that evaluates every card against your actual spending patterns. We factor in earn rate caps, welcome bonuses, annual fees, perk values, loyalty program stacking, and even Amex acceptance gaps to find the portfolio that delivers the highest net value for you specifically.
Our scoring engine is purely algorithmic. Affiliate relationships never influence rankings or recommendations.
Every recommendation is backed by verifiable data — real earn rates, actual MCC codes, and published card terms.
Built exclusively for the Canadian market. 150+ cards from every major issuer, with provincial availability and bilingual program support.
A personalized score based on your spending across 13 categories. Our engine evaluates every card combination and finds your optimal portfolio.
Detailed profiles for 150+ Canadian credit cards with earn rates, fees, benefits, welcome bonuses, and eligibility requirements.
Discover which card to use at 239 verified merchants. MCC-verified earn rates so you never miss bonus category spending.
Track your loyalty balances across programs and monitor your portfolio performance over time.
Every card in our database is manually verified against issuer terms. Earn rates are mapped to specific merchant category codes (MCCs) so our recommendations reflect real-world spending, not marketing claims.
150+
Cards
239
Merchants
14
Loyalty Programs
Get your personalized ChurnrScore in under 3 minutes. No account required.