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.

U.S. Bank Cash+

The U.S. Bank Cash+ Visa Signature Card offers 5% cash back on your first $2,000 in combined spending on two… Read More »U.S. Bank Cash+

Debunking myths about credit cards

January 23, 2023

If you are getting your first credit card or are curious about credit card rewards, you likely have some hesitations.… Read More »Debunking myths about credit cards

Alaska’s Famous Companion Fare

Alaska’s Famous Companion Fare is a benefit of Alaska’s cobranded credit cards, issued in partnership with Bank of America. The… Read More »Alaska’s Famous Companion Fare

Wells Fargo Reflect Card

The Wells Fargo Reflect card offers a 0% intro APR for 18 months on both purchases and balance transfers. Here’s everything you need to know about the Wells Fargo Reflect Card.

Should I cancel my Chase Sapphire Reserve?

Ultimately I decided to cancel my Chase Sapphire Reserve. Here’s how I thought through that decision.

Credit card rewards have value. So does time.

I made a decision today to not pursue a “free” 7.5% return on my credit card spending. It was a… Read More »Credit card rewards have value. So does time.

How you can get $800 out of the Chase Freedom welcome bonus

The Chase Freedom Unlimited and Chase Freedom Flex are currently offering limited-time increased welcome bonuses that we think most families… Read More »How you can get $800 out of the Chase Freedom welcome bonus

How we think about first year value of credit cards

When we publish a first year value, we are giving you a number that represents the cash value you will… Read More »How we think about first year value of credit cards

The problem with point valuations

Many websites and travel blogs publish miles and points “valuations” for a myriad of frequent flyer programs, hotel loyalty programs… Read More »The problem with point valuations

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