Welcome to Cards and Points. We are a team of credit card experts covering everything credit cards: cash back, travel rewards, benefits, and news.

Our latest posts

Here are our latest posts, but scroll down to find the best available credit card bonuses and more.

Chase transfer partners: Airline and hotel Ultimate Rewards partners

Chase Ultimate Rewards® transfer partners offer an opportunity to get outsized value from your Chase points. When you transfer your… Read More »Chase transfer partners: Airline and hotel Ultimate Rewards partners

Target Circle Week: 10% off Target gift cards on 4/13. Here’s how to maximize this discount.

July 6, 2024

Update 7/6/24: Lots of people are hitting this article due to the upcoming Target Circle Week. We just published our… Read More »Target Circle Week: 10% off Target gift cards on 4/13. Here’s how to maximize this discount.

Target Circle Week: Score bigger discounts and rewards. Up to 15% on top of deals.

Target Circle Week runs from July 7 through July 13th this year. This periodic sale event frequently offers great deals… Read More »Target Circle Week: Score bigger discounts and rewards. Up to 15% on top of deals.

Best cards for airport lounge access: Get into an airport lounge for free with these cards

July 6, 2024

Whether you travel constantly or occasionally, having airport lounge access can be a valuable perk. Having access to a quieter… Read More »Best cards for airport lounge access: Get into an airport lounge for free with these cards

The best credit cards for Apple purchases: Get more rewards and better protection than the Apple Card

If you’re purchasing a new MacBook or iPhone directly from Apple, you may think that the Apple Card is the… Read More »The best credit cards for Apple purchases: Get more rewards and better protection than the Apple Card

Marriott credit cards: Everything you need to know

June 27, 2024

Update June 27, 2024: We are currently in the process of building out this article. We’ll republish it periodically as… Read More »Marriott credit cards: Everything you need to know

Changes to Marriott Bonvoy Bold® credit card: Different categories, fewer elite night credits

Marriott and Chase have announced changes to the Marriott Bonvoy Bold® credit card. Going forward, the card will lose its… Read More »Changes to Marriott Bonvoy Bold® credit card: Different categories, fewer elite night credits

Chase Freedom categories Q3 2024: 5% on gas, EV charging, live entertainment, and movie theaters

June 24, 2024

June 15, 2024: Chase has announced the Chase Freedom categories for the third quarter of 2024. From July 1, 2024… Read More »Chase Freedom categories Q3 2024: 5% on gas, EV charging, live entertainment, and movie theaters

Chase trip delay insurance: Your ticket to a hotel room if you’re delayed overnight

June 24, 2024

Chase trip delay insurance, which it brands as Trip Delay Reimbursement, can cover the cost of a hotel room and… Read More »Chase trip delay insurance: Your ticket to a hotel room if you’re delayed overnight

I want a single card for travel rewards. What card should I get?

You want travel rewards because you travel a few times a year, but you don’t want to juggle multiple credit… Read More »I want a single card for travel rewards. What card should I get?

What cards should I get for travel rewards? A simple travel rewards strategy with 2-4 cards.

Unlock more travel rewards. This guide covers the best travel rewards credit card strategy if you’re willing to go beyond… Read More »What cards should I get for travel rewards? A simple travel rewards strategy with 2-4 cards.

Target Circle™ Mastercard: 5% discount at Target and Target.com

June 19, 2024

The Target Circe™ Mastercard is Target’s rebranding of the Target RedCard Mastercard. The card offers a generous discount at Target… Read More »Target Circle™ Mastercard: 5% discount at Target and Target.com

Best new cardmember offers

Here are our lists of best credit card sign-up bonuses and welcome offers. Our editorial policy means we publish links to the best publicly available new cardmember offers we find, regardless of our affiliate relationships.

About Cards and Points and its founder

About the founder. I’m Aaron Hurd, one of the foremost experts in credit cards, travel rewards, and loyalty programs. Over the past decade, I’ve written, edited, contributed to, or been quoted in almost every publication of note that talks about credit cards. (I don’t need to list the logos—just google my name.)

Why Cards and Points? Today, most of the content about credit cards on the internet is written by content mills, generalist SEO writers, or generative AI, with the singular goal of driving clicks to affiliate links. This means that most information you’ll find is low-quality, inaccurate, and often doesn’t feature the best products or offers. I launched Cards and Points because I saw a need for a single, trusted source of expert-written, user-first content about credit cards, benefits, and rewards.

What do we promise? Our promise is simple: We keep our readers first. This means that we publish only original, expert-written content. It also means that when we write about a product, we’ll give you our honest take on it and show you the best offers, regardless of our advertising relationships.

Current bonuses and promotions

Featured articles

The best cash back welcome bonuses – The biggest bonuses if you’re interested in earning cash back.

Easy cash back welcome bonuses – Welcome bonuses that earn $200 or more for $1,000 of spending or less.

Bank rewards program welcome bonuses
Chase Ultimate Rewards welcome bonuses
Citi ThankYou Points welcome bonuses

Other resources

Best cards to use at leading retailers

• Best cards to use at Amazon.
• Best cards to use at Costco.
• Best cards to use at CVS.
• Best cards to use at Target.
• Best cards to use at Walmart.

5% big box cards

Target Red Card – 5% discount at Target

Best cards for…

Find the best cards for spending at places like grocery stores, electronics stores, and more.

• BofA Customized Cash data points: What merchants earn 2% and 3% rewards?
• The best credit cards to use at Walmart: Up to 6% cash back rewards
• Guide to the Southwest Airlines credit cards. All 5 cards compared.
• Amex Trip Delay Insurance: Up to $500 of expenses reimbursed for travel delays.
• Sapphire Preferred® Card sign-up bonus offer: 60k points or 70k points in-branch

Targeted offers

Some cards have opt-in offers that can save you money or earn you more cash back.
Amex Offers
Bank AmeriDeals
Chase Offers
Citi Merchant Offers

All about rewards

Overviews of rewards programs, plus the best welcome bonuses in each program

Bank program guides
Amex Membership Rewards
Capital One Miles
Chase Ultimate Rewards
Citi ThankYou Points