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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.

hotel, room, bed

Best hotel credit cards for free nights: Get a free hotel stay with these cards

Some hotel credit cards will give you a free night just for holding the card. If you travel frequently, having… Read More »Best hotel credit cards for free nights: Get a free hotel stay with these cards
hotel, room, bed

Delta Stays Credit: How to get up to $250 for hotel bookings through Delta Stays

Most Delta credit cards offer a Delta Stays credit, an annual statement credit for booking hotel stays through Delta Stays,… Read More »Delta Stays Credit: How to get up to $250 for hotel bookings through Delta Stays
Blonde woman standing near the checkout counter

Amex Return Protection: Get 90 days to return an item, regardless of the retailer’s return policy

Amex Return Protection is a consumer insurance benefit offered on some American Express cards. It can provide a refund on… Read More »Amex Return Protection: Get 90 days to return an item, regardless of the retailer’s return policy
Two young women having fun while looking at a laptop

Chase Refer a Friend: Earn a Chase referral bonus when your friends get a new credit card.

If you hold a Chase credit card that you love, you’re probably telling others about it. Chase offers incentives through… Read More »Chase Refer a Friend: Earn a Chase referral bonus when your friends get a new credit card.
Two middle age business workers smiling happy and confident. Working together with smile on face hand giving high five at the office

American Express® Business Gold Card: Bonuses in select business categories for small business owners

The American Express® Business Gold Card offers generous rewards for small businesses that spend heavily in the card’s bonus categories… Read More »American Express® Business Gold Card: Bonuses in select business categories for small business owners
Crunching the numbers

Changes to American Express® Gold Card: Annual fee increased, more statement credits

July 25, 2024: Today, American Express announced changes to the American Express® Gold Card, including an increase in the card’s… Read More »Changes to American Express® Gold Card: Annual fee increased, more statement credits
Image of a car after being involved in a road traffic collision.

Chase Auto Rental Coverage: New benefit administrator coming in October

July 31, 2024: Chase has begun notifying cardmembers of a change to its auto rental collision damage waiver insurance benefit.… Read More »Chase Auto Rental Coverage: New benefit administrator coming in October
turned-on monitor

Blue Cash Preferred® Card from American Express Review: Market-leading cash back on groceries + benefits

The offers excellent cash back rewards because of its top-of-market cash back on groceries at U.S. supermarkets, good rewards on… Read More »Blue Cash Preferred® Card from American Express Review: Market-leading cash back on groceries + benefits
American Airlines Airbus A319-115

American Airlines credit cards complete guide: Find the best American credit card for you

American Airlines offers a handful of credit cards in partnership with both Citibank and Barclays. If you want to get… Read More »American Airlines credit cards complete guide: Find the best American credit card for you
Person using black and gray laptop

Chase Offers: Save money by linking your Chase card to merchant offers

Update July 19, 2024: More interesting Chase Offers are popping up for me, including several 10% back offers at hotel… Read More »Chase Offers: Save money by linking your Chase card to merchant offers
Tax documents on the table

Paying taxes with a credit card for points: How to pay U.S. taxes with a credit card.

If you are a United States taxpayer, you can pay taxes using your credit card. Whether you pay your taxes… Read More »Paying taxes with a credit card for points: How to pay U.S. taxes with a credit card.
Crunching the numbers

Changes to the Delta SkyMiles® Reserve American Express Card: Loss of unlimited SkyClub access starting in 2025

Update July 19, 2024: We noticed a subtle change in how the one-time guest passes are promoted. You no longer… Read More »Changes to the Delta SkyMiles® Reserve American Express Card: Loss of unlimited SkyClub access starting in 2025
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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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