Our Credit Cards

Both of us make a living writing about loyalty programs, points/miles, and credit cards. We write about this topic from a genuine place. After all, we have been able to travel the world in style for minimal out-of-pocket cost thanks to points/miles and credit card perks.

We currently have 62 active credit cards with combined ongoing annual fees of $7,912. In 2024, $1,300 of Katie’s annual fees were reimbursed by The Points Guy. However, we only carry cards that we would pay for ourselves.

With that in mind, here are all of the cards that we carry as of August 9, 2025.

The links are to refer-a-friend offers where we currently have them. As sign-up offers may change, we highly recommend checking other sources to see if you can find a higher offer. If our links provide the best offer, we would appreciate it if you sign up through these links.

American Express

Transferrable points

Airlines and Hotels

    Chase

    Transferrable points

    Airlines

    Hotels

    Cashback

      Capital One

      Citi

      Transferrable points

      • Citi Strata Premier Card (x2)
      • Citi Prestige Card (no longer available to new cardholders)
      • Citi Strata Card

      Airlines

      • American Airlines AAdvantage MileUp (x2)
      • CitiBusiness / AAdvantage Platinum Select Mastercard

      Cashback

      • Citi Double Cash
      • Citi Custom Cash
      • Citi Dividend (no longer available to new cardholders)
      • AT&T Access Card (no longer available to new cardholders)

      Barclays

      • AAdvantage Aviator Silver Mastercard
      • AAdvantage Aviator Mastercard
      • Hawaiian Airlines World Elite Mastercard (x2)
      • Wyndham Rewards Earner Business Card (x2)

      Bank of America

      • Alaska Airlines Visa Signature (x2)
      • MERRILL+ Visa Signature

      USAA

      • USAA Rewards Visa Signature