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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.

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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+
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Debunking myths about credit cards

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
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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
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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?

Should I cancel my Chase Sapphire Reserve?

Ultimately I decided to cancel my Chase Sapphire Reserve. Here’s how I thought through that decision.
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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.
Huge cash credit card welcome bonus.

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
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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
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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

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.

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

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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