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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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Secret Chase Freedom welcome offers. Update: Offers now gone

Update September 15, 2023: Chase appears to have pulled these welcome offers. We tested our the links below and have… Read More »Secret Chase Freedom welcome offers. Update: Offers now gone
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Wells Fargo Autograph℠ Card: 3x on a bunch of useful categories, but limited benefits

Wells Fargo Autograph℠ Card at a glance Here’s what you need to know about the Wells Fargo Autograph℠ Card. Rewards… Read More »Wells Fargo Autograph℠ Card: 3x on a bunch of useful categories, but limited benefits
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Check your credit report for free: Four ways to get your credit report

Monitoring your credit report is an essential part of your financial health. What is in your credit report determines which… Read More »Check your credit report for free: Four ways to get your credit report
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Citi Custom Cash℠ Card: 5% where you spend the most

Citi Custom Cash℠ Card at a glance Where’s what you need to know about the Custom Cash℠ Card. Rewards Earn… Read More »Citi Custom Cash℠ Card: 5% where you spend the most

Does it make sense to buy points?

Should you buy rewards points? Travel rewards programs sometimes provide opportunities for aspirational travel like business and first class flight… Read More »Does it make sense to buy points?
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Apple Card

Apple Card at a glance Here’s what you need to know about the Apple Card. Rewards Benefits The Apple Card… Read More »Apple Card

Do I need to carry a balance to get a good credit score? No. Here’s what to do instead.

A common misconception about credit is that you need to take out a loan carry a balance on your credit… Read More »Do I need to carry a balance to get a good credit score? No. Here’s what to do instead.
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.
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.
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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
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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
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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
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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

Bank program 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.

Current bonuses and promotions

Transfer point bonuses

5% rotating categories

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% 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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