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.

Hyatt credit cards complete guide: Rewards, benefits, and welcome bonuses.

If you’re looking for a Hyatt credit card, Hyatt keeps things simple. Unlike Marriott and Hilton, Hyatt only offers two… Read More »Hyatt credit cards complete guide: Rewards, benefits, and welcome bonuses.

Delta/Amex Resy Credit: Statement credit for dining with Resy restaurants

As part of the February 2024 refresh of the Delta SkyMiles credit cards, Delta Air Lines and Amex introduced a… Read More »Delta/Amex Resy Credit: Statement credit for dining with Resy restaurants

Roadside assistance benefits

Many credit cards offers some form of roadside dispatch benefit. But in most cases, you’re likely to be disappointed once… Read More »Roadside assistance benefits

Citi ThankYou Points: A four-card wallet with redemption synergies.

If you are comfortable carrying more than one credit card and want to build out a wallet that can earn… Read More »Citi ThankYou Points: A four-card wallet with redemption synergies.

Best Amex Platinum Card welcome bonus – 150,000 points through Incognito browser

February 26, 2024

American Express frequently updates the welcome bonus on The Platinum Card®, making finding the best bonus on this card a… Read More »Best Amex Platinum Card welcome bonus – 150,000 points through Incognito browser

Buying groups: A great way to generate credit card spending

Buying items for buying groups can be a great way to increase your credit card spending so that you can… Read More »Buying groups: A great way to generate credit card spending

Should you care about Delta SkyMiles award travel?

If you stick a toe into the world of travel rewards, you’ll quickly learn that there is a lot to… Read More »Should you care about Delta SkyMiles award travel?

Federal tax payments: Ink cards not working (fixed)

Update 1/23/24: I recently paid my estimated taxes with an Ink card and found that this is working again. Some… Read More »Federal tax payments: Ink cards not working (fixed)

U.S. Bank Altitude Reserve: The best travel rewards card you’ve never heard of

January 7, 2024

U.S. Bank Altitude Reserve at a glance Here’s what you need to know about the U.S. Bank Altitude Reserve card.… Read More »U.S. Bank Altitude Reserve: The best travel rewards card you’ve never heard of

Thank you and Merry Christmas!

I’m taking a few days off for the Christmas holiday, but I just wanted to hop online to write a… Read More »Thank you and Merry Christmas!

Best cash back credit cards: 3% everywhere for a year and up to 10% in categories.

When you use a cash back credit card for purchases, you can get a rebate that often is 3%, 5%,… Read More »Best cash back credit cards: 3% everywhere for a year and up to 10% in categories.

Yes, you can get approved if you’re at 5/24

Yes, it is possible to get approved for a new Chase card if you are at 5/24. Recently, a few… Read More »Yes, you can get approved if you’re at 5/24

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.

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% rotating category cards: Current categories

• Chase Freedom quarterly categories
• Discover quarterly categories
• Citi Dividend quarterly 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.

• Citi Wallet: A core wallet with cash back rewards and the best extended warranty
• Why I’m rethinking Capital One Travel for rental cars: Restrictive cancellation policies.
• United credit card offers: Earn up to 80k MileagePlus miles in October 2024
• Best American Airlines credit card offers: Earn up to 75k miles in October 2024
• Southwest Rapid Rewards® Priority Credit Card sign-up bonus: 50k Rapid Rewards points

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