Never Lose a Credit Card to Inactivity

RetainUR keeps your credit cards alive with automated micro-charges on your schedule. Protect your credit lines, preserve your rewards, and stop worrying about card closures.

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How It Works

Three Steps to Card Retention

Step 1
Add Your Card
Securely add any credit card you want to keep active. We use Stripe to handle your payment details — we never see your card number.
Step 2
Set Your Schedule
Choose a billing interval — every 1, 3, or 6 months. Each card can have its own schedule. Change it anytime.
Step 3
We Handle the Rest
RetainUR charges $1 to your card on schedule, keeping it active in the eyes of your creditor. Get notified of every charge.

Trusted by Churners

10,000+

Cards Protected

30 sec

Setup Time Per Card

$1

Per Charge

0

Cards Lost to Inactivity

Features

Everything You Need to Retain Your Cards

Simple, reliable tools to keep every card in your wallet active and protected.

Automated Charges
Set it and forget it. $1 charges fire automatically on your chosen schedule.
Flexible Intervals
Choose monthly, quarterly, or semi-annual billing — per card, your way.
Instant Alerts
Get notified of every charge — successes and failures — so nothing slips through.
Full Charge History
See every past charge with date, amount, and status for complete transparency.
Pause & Resume
Using a card actively? Pause retention charges. Done? Resume with one click.
Unlimited Cards
Add as many cards as you need. Each with its own nickname, schedule, and history.
Bank-Level Security
Powered by Stripe. We never store your card numbers. PCI compliant from day one.
Dashboard Overview
See all your cards at a glance — next charges, recent activity, and cards needing attention.

Pricing

One Dollar. One Card. One Charge.

No subscriptions, no tiers, no hidden fees. You only pay $1 per card each time a retention charge fires on your chosen interval.

Pay Per Charge
$1 / card / charge
Charged to your card on the interval you pick — that's it.
  • Unlimited cards
  • Choose your interval — monthly, quarterly, or semi-annual
  • $1 per card per charge cycle
  • Full charge history
  • Instant success & failure notifications
  • Pause & resume anytime
  • Dashboard overview
  • Powered by Stripe — bank-level security
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FAQ

Frequently Asked Questions

From the Blog

Expert Advice on Churning & Card Retention

Our blog is packed with in-depth guides, actionable strategies, and the latest insights to help you maximize rewards and keep your cards safe.

Churning Guides
Step-by-step strategies for earning thousands in sign-up bonuses and travel rewards.
Credit Score Tips
Understand how utilization, credit age, and card closures impact your score — and how to protect it.
Retention Strategies
Learn why issuers close inactive cards and the proven techniques to keep every account alive.
Browse All Articles

Stop Losing Cards. Start Retaining Them.

Join thousands of smart cardholders who protect their credit lines with RetainUR. Sign up in under a minute.

Get Started