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.

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

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

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!

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?

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+

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?

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.

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

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.

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!

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

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