Odin

Odin is the founder of Fenrir Ledger and a credit card churner who built the tool to solve his own problem: tracking a growing card portfolio across multiple issuers, annual fees, minimum spend windows, and bonus milestones was becoming impossible in a spreadsheet. He has deep first-hand experience with Chase, Amex, Citi, and Capital One velocity rules — and has made enough mistakes to know where the real landmines are. He writes the strategy and opinion content on this site, drawing on years of churning decisions that paid off and a few that didn't.