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.

American Express Blue Business Cash™ Card welcome bonus: $250 after $3,000 in spending.

The American Express Blue Business Cash™ Card offers a welcome bonus for new cardmembers. If you have a small business,… Read More »American Express Blue Business Cash™ Card welcome bonus: $250 after $3,000 in spending.

Delta SkyMiles fare sale: Taipei round-trip from 166,600 miles!

Delta is running a handful of unannounced SkyMiles flash sales on business class flights to Asia. Normally, SkyMiles pricing on… Read More »Delta SkyMiles fare sale: Taipei round-trip from 166,600 miles!

The new Delta SkyMiles® Reserve Amex cards are made from a 747

Today Delta and Amex launched a new design for the high-end Delta SkyMiles® Reserve American Express Card and the Delta… Read More »The new Delta SkyMiles® Reserve Amex cards are made from a 747

New TD Double Up℠ card welcome bonus: $150 after $1,000 spent.

When updating our list of the best 2% cash back cards, we noticed that the TD Double Up℠ Credit Card… Read More »New TD Double Up℠ card welcome bonus: $150 after $1,000 spent.

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

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

Blue Cash Preferred: Possible secret $300 welcome offer available

April 23, 2024

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

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.

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