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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.

Design thinking is a human-centered approach to innovation that draws from the designer's toolkit to integrate the needs of people, the possibilities of technology, and the requirements for business success. Design thinking has a human-centered core. It encourages organizations to focus on the people they're creating for, which leads to better products, services, and internal processes.

What is a common carrier? Definition of common carrier.

You may see the term common carrier in your credit card’s Guide to Benefits. Or you might read that you… Read More »What is a common carrier? Definition of common carrier.
brown wallet

The best secured credit cards: Cards that help you build your credit with no annual fee and give you a path to get your deposit back.

If you are working on building or rebuilding your credit and cannot qualify for an unsecured credit card with no… Read More »The best secured credit cards: Cards that help you build your credit with no annual fee and give you a path to get your deposit back.
Cell phone protection can reimburse repair or replacement of your phone when you pay with your credit card.

Cell phone protection: Pay your monthly bill with your card, get protected against damage and theft for free.

Cell phone protection is an essential benefit that can reimburse you if you damage your mobile phone or if your… Read More »Cell phone protection: Pay your monthly bill with your card, get protected against damage and theft for free.
White airplane

Airline schedule changes: Your ticket to a better flight, for free

What should you do when you get an email informing you that the airline you booked your vacation on has… Read More »Airline schedule changes: Your ticket to a better flight, for free
dollar, money, cash

5x everywhere: My top strategies

For most people pursuing credit card rewards, having a great 2% credit card in your wallet can go a long… Read More »5x everywhere: My top strategies
Products on the shelves at Costco

Costco Anywhere Visa® Card – 4% on gas and 3% on travel for Costco members

Costco Anywhere Visa® Card by Citi at a glance Here’s what you need to know about the Costco Anywhere Visa® Card by… Read More »Costco Anywhere Visa® Card – 4% on gas and 3% on travel for Costco members
target, dart, aim

Target RedCard Mastercard welcome bonus: $50 off a future $50+ shopping trip

Target is currently running a $50 off a future qualifying Target purchase over $50 when you get a new Target… Read More »Target RedCard Mastercard welcome bonus: $50 off a future $50+ shopping trip
shopping, spending, till slip

Citi merchant offers: Extra cash back for using your Citi credit card

Citi Merchant Offers can give you extra cash back on things that you buy anyway. If you hold a Citi… Read More »Citi merchant offers: Extra cash back for using your Citi credit card
a store aisle filled with lots of items

The best credit cards for home improvement store rewards: Up to 10% cash back at Home Depot, Lowe’s, Menards and more.

You can get up to 10% rewards on home improvement store purchases with a card from our list of the… Read More »The best credit cards for home improvement store rewards: Up to 10% cash back at Home Depot, Lowe’s, Menards and more.
girl, shopping bags, standing

Return protection: A guarantee that you have up to 90 days to return purchases.

Have you ever purchased an item and found yourself wanting to return it, only to discover that the return window… Read More »Return protection: A guarantee that you have up to 90 days to return purchases.
American Express Wireless Benefit

Amex Business Platinum Wireless Credit: $10 per month toward your mobile phone bill

The Business Platinum Card® from American Express offers up to $120 in statement credits each year for U.S. wireless telephone… Read More »Amex Business Platinum Wireless Credit: $10 per month toward your mobile phone bill
credit cards, denim, jeans

How to get multiple Citi Custom Cash℠ Cards

The Citi Custom Cash℠ Card is perhaps the most versatile 5% cash back card available. It can earn 5% back… Read More »How to get multiple Citi Custom Cash℠ Cards
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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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