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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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Reminder: Activate rotating category cash back cards: Chase Freedom, Citi Dividend, Discover, U.S. Bank Cash+

It is now possible to activate rotating categories on all of the major rotating category cards. You can activate your… Read More »Reminder: Activate rotating category cash back cards: Chase Freedom, Citi Dividend, Discover, U.S. Bank Cash+
Calculating the value of credit card benefits and rewards

When does it make sense to pay an annual fee?

I am a fan of credit cards with no annual fees. In many cases, you can earn rewards of 2%… Read More »When does it make sense to pay an annual fee?
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Bank of America® Customized Cash Rewards credit card: Huge cash back rewards on a category for those with Platinum Honors status.

Bank of America® Customized Cash Rewards credit card at a glance Here’s what you need to know about the Bank… Read More »Bank of America® Customized Cash Rewards credit card: Huge cash back rewards on a category for those with Platinum Honors status.
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75k Hyatt Business Card no longer available through referral links

Update March 18, 2024: We noticed that this offer is no longer available through referral links. Although the 75,000 point… Read More »75k Hyatt Business Card no longer available through referral links
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Wells Fargo Autograph Journey: Newly announced travel card from Wells. What we know so far.

Update 3/15/24: Wells Fargo reached out to us and provided additional details on this card. We’ve updated this guide based… Read More »Wells Fargo Autograph Journey: Newly announced travel card from Wells. What we know so far.
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How to get the best Amex welcome bonuses

How do I get the best possible welcome bonus on an American Express Card? If you want the absolute best… Read More »How to get the best Amex welcome bonuses

Yes, you can get a small business credit card!

Maybe you’ve seen a great cash back new cardmember offer on a small business credit card. Or perhaps you found… Read More »Yes, you can get a small business credit card!
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How airlines price award flights: Everything you need to know

When frequent flyer programs were first developed, award pricing was simple. You could get a U.S. domestic round trip flight… Read More »How airlines price award flights: Everything you need to know
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Extended warranty: An essential credit card benefit that can pay off

Many credit cards offer extended warranties which can give you anywhere from a few months to two years of additional… Read More »Extended warranty: An essential credit card benefit that can pay off
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Citi Rewards+® Card: The card with the best extended warranty

Citi Rewards+® Card at a glance Here’s what you need to know about the Citi Rewards+ credit card. Rewards Benefits… Read More »Citi Rewards+® Card: The card with the best extended warranty
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American Express® Gold Card: One of the most rewarding dining cards available

American Express® Gold Card at a glance Here’s what you need to know about the American Express® Gold Card. Rewards… Read More »American Express® Gold Card: One of the most rewarding dining cards available

Get 3x points (3% cash back) on everything in your first year with Discover it® Miles

If you missed out on the Chase Freedom Unlimited® welcome bonus, which doubled all of the cash back rewards earned… Read More »Get 3x points (3% cash back) on everything in your first year with Discover it® Miles
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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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