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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.

How to book an award ticket on Delta Air Lines

You’ve accumulated miles in Delta’s SkyMiles frequent flyer program. Now you will want to book an award ticket on the… Read More »How to book an award ticket on Delta Air Lines

Should I keep Delta status: Is chasing Platinum Medallion status worth it?

If you’ve been chasing status with Delta Air Lines the last few years, you might be wondering whether you should… Read More »Should I keep Delta status: Is chasing Platinum Medallion status worth it?
White airplane

Capital One Venture Rewards Credit Card: 2x transferable rewards on every purchase

Capital One Venture Rewards Credit Card at a glance Here’s what you need to know about the Capital One Venture… Read More »Capital One Venture Rewards Credit Card: 2x transferable rewards on every purchase

Opportunity cost: The cost to earn miles and points

When you sign up for a new credit card and get a generous welcome bonus or pull out your airline… Read More »Opportunity cost: The cost to earn miles and points
Store display of over 100 different types of gift cards available at a grocery store.

Tis the season for gift card scammers: Don’t be a victim this holiday season

Lots of people buy gift cards during the holiday season, which means that gift card scammers are hard at work.… Read More »Tis the season for gift card scammers: Don’t be a victim this holiday season
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The best easy cash back welcome bonuses: Earn $200 or more by spending $1,000 or less.

Getting a giant welcome bonus can be a great incentive to get a new credit card, but what if you… Read More »The best easy cash back welcome bonuses: Earn $200 or more by spending $1,000 or less.

Capital One Venture X Business card welcome bonus: 150,000 miles with $30k spend.

The Capital One Venture X Business card currently offers a massive 150,000 point bonus after spending $30,000 within the first… Read More »Capital One Venture X Business card welcome bonus: 150,000 miles with $30k spend.

Is it worth it to earn Delta Medallion status?

With the recent news of Delta massively increasing its requirements for earning status in 2024, if you’ve had Delta status… Read More »Is it worth it to earn Delta Medallion status?
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All about 5% rotating category cards

Some credit cards offer 5% cash back rewards in categories that change every few months. These rotating category cards offer… Read More »All about 5% rotating category cards
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Linking Citi cards to your online account: Access all your Citi accounts in one place.

If you have more than one credit card from Citibank, you can easily link all of your personal or business… Read More »Linking Citi cards to your online account: Access all your Citi accounts in one place.
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U.S. Bank Shopper Cash Rewards® Visa Signature® Card: 6% back at your choice of two stores

U.S. Bank Shopper Cash Rewards® Visa Signature® Card at a glance Here’s what you need to know about the U.S. Bank Shopper… Read More »U.S. Bank Shopper Cash Rewards® Visa Signature® Card: 6% back at your choice of two stores
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How to find your Citi credit card benefits

If you’ve got a Citi credit card in your wallet and have a question about the benefits your card offers,… Read More »How to find your Citi credit card benefits
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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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