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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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How to track your progress toward a U.S. Bank welcome bonus

If you’ve recently gotten a new U.S. Bank credit card, you might be working on earning a credit card welcome… Read More »How to track your progress toward a U.S. Bank welcome bonus
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How to track your progress toward a U.S. Bank welcome bonus

If you’ve recently gotten a new U.S. Bank credit card, you might be working on earning a credit card welcome… Read More »How to track your progress toward a U.S. Bank welcome bonus
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Blue Cash Preferred: Possible secret $300 welcome offer available

Recently, I stumbled across an increased bonus offer for the Blue Cash Preferred® Card from American Express. This hidden welcome… Read More »Blue Cash Preferred: Possible secret $300 welcome offer available

Will a bank close cards you don’t use? Yes. Here’s what happens.

If you don’t make at least an occasional purchase with your credit card, most banks will automatically close no-annual-fee cards… Read More »Will a bank close cards you don’t use? Yes. Here’s what happens.

Will a bank close cards you don’t use? Yes. Here’s what happens.

If you don’t make at least an occasional purchase with your credit card, most banks will automatically close no-annual-fee cards… Read More »Will a bank close cards you don’t use? Yes. Here’s what happens.

Dynamic currency conversion: Paying in your home currency is ripoff for international travelers

If you’re traveling abroad and a merchant offers to process your credit card charge in U.S. dollars (or your home… Read More »Dynamic currency conversion: Paying in your home currency is ripoff for international travelers

Minnebar 2024: Come see Aaron Hurd of Cards and Points live

If you came to my session at the 2024 Minnebar, thank you! Scroll down for links referenced in my talk.… Read More »Minnebar 2024: Come see Aaron Hurd of Cards and Points live
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Chicago Seminars: The must-attend miles and points conference. September 20-22, 2024.

Once a year, a bunch of miles, points, and travel rewards nerds gather in Chicago to swap tips and tricks,… Read More »Chicago Seminars: The must-attend miles and points conference. September 20-22, 2024.
Mexique

Bank of America® Premium Rewards® credit card: Great cash back rewards on dining and travel if you have Platinum Honors

Bank of America® Premium Rewards® credit card at a glance Here’s what you need to know about the Bank of… Read More »Bank of America® Premium Rewards® credit card: Great cash back rewards on dining and travel if you have Platinum Honors
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How to set up a Bank of America credit card on auto pay: Step-by-step walkthrough

If you’ve ever tried to set up a Bank of America credit card for automatic payments, you know that setting… Read More »How to set up a Bank of America credit card on auto pay: Step-by-step walkthrough
To-Do List

Monthly statement credits: These benefits expire at the end of this month. Use them now!

Increasingly, more and more cards are offering monthly statement credits. Here’s our overview of cards offering monthly statement credits and… Read More »Monthly statement credits: These benefits expire at the end of this month. Use them now!
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My credit card strategy: What’s in my wallet?

I write about credit cards and travel rewards for a living and many ask me which credit cards I keep… Read More »My credit card strategy: What’s in my wallet?
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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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