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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.

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Find your Chase credit card benefits: 3 ways to find your benefits

If you hold a Chase credit card, your card probably offers some valuable benefits. Most of Chase’s credit cards come… Read More »Find your Chase credit card benefits: 3 ways to find your benefits
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BankAmeriDeals: Earn 5%+ bonus cash rewards with card-linked Bank of America offers

Card-linked offers can be a great way to get an extra cash back on things you buy anyway. Bank of… Read More »BankAmeriDeals: Earn 5%+ bonus cash rewards with card-linked Bank of America offers
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The best cards to use at Best Buy: 5 alternatives to the Best Buy credit card

The best card to use at Best Buy isn’t the Best Buy credit card. You might expect that the Best… Read More »The best cards to use at Best Buy: 5 alternatives to the Best Buy credit card
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Foreign transaction fees: Everything you need to know

Many credit cards charge a foreign transaction fee of up to 3% on purchases you make outside your home country.… Read More »Foreign transaction fees: Everything you need to know
Learning everything about 5/24

Chase 5/24 rule: Everything you need to know

Everything you need to know about the Chase 5/24 rule.
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MQD Boost and MQD Headstart: Get Medallion status with Delta credit cards

Delta credit cards offer two benefits that can help you earn Medallion status faster. MQD Headstart gives you Medallion Qualification… Read More »MQD Boost and MQD Headstart: Get Medallion status with Delta credit cards
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Amex lifetime language: You can earn a welcome bonus only once—with some exceptions

American Express generally only allows you to earn a welcome bonus on a new credit card if you’ve never had… Read More »Amex lifetime language: You can earn a welcome bonus only once—with some exceptions

Am I eligible for a new Chase Sapphire welcome bonus?

The and offer a welcome bonus. But if you’ve had either card before, you should know the Chase Sapphire welcome… Read More »Am I eligible for a new Chase Sapphire welcome bonus?
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Changes to The Hilton Honors American Express Business Card: Loss of rewards, free nights, and Priority Pass

Update June 6, 2024: A quick reminder that only spending prior to June 30, 2024 will count toward earning free… Read More »Changes to The Hilton Honors American Express Business Card: Loss of rewards, free nights, and Priority Pass

Credit cards with primary rental car insurance: Use these cards for the best protection when renting cars

Primary rental car insurance on a credit card can protect your personal auto insurance if a car you rent using… Read More »Credit cards with primary rental car insurance: Use these cards for the best protection when renting cars
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Your guide to benefits: Get the details about your credit card perks.

Your credit card’s guide to benefits contains the details about valuable benefits that can protect you when traveling and protect… Read More »Your guide to benefits: Get the details about your credit card perks.
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Visa car rental insurance: Protect yourself by using the right card when renting a car

Visa’s car rental insurance benefit, known formally as Auto Rental Collision Damage Waiver, can provide reimbursement for damages from theft… Read More »Visa car rental insurance: Protect yourself by using the right card when renting a car
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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.

Airline credit card offers

Hotel credit card offers

About Cards and Points and its founder

Photo of Aaron Hurd, editor of The Wallet Hacker
Aaron Hurd, Executive Editor of CardsAndPoints.com.

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.

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

5% rotating category cards: Current categories

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.

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

About the author

  • Photo of Aaron Hurd, credit card and travel rewards expert.

    Aaron Hurd is a credit card, travel rewards, and loyalty program expert. Over the past 15 years, he has authored over a thousand expert contributions published by leading outlets including WSJ, TIME, Newsweek, Forbes, NerdWallet, The Points Guy, Bankrate, CNET, and many others. He has also served in consulting roles for many of these same outlets, designing content strategy, hiring teams of teams of editors and contributors, developing thought-leadership pieces, and ghost-editing for senior editors. Aaron is well-known in the miles and points community and regularly presents about travel rewards at conferences like the Chicago Seminars and Minnebar. Aaron has enjoyed the game of optimizing credit card rewards since getting his first credit card shortly after he turned 18. He started learning about credit cards and travel rewards from the (now defunct) FatWallet Finance forums and FlyerTalk. He holds more than 40 open credit cards and has first-hand experience with almost every major credit card product.

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