Our Credit Cards

Both of us make a living writing about loyalty programs, points and miles, and credit cards. We write about these topics from a genuine place. After all, points, miles, and credit card perks have helped us travel the world in style for minimal out-of-pocket cost.

We currently have 61 active credit cards with combined ongoing annual fees of $7,814. In 2025, $1,300 of Katie’s annual fees were reimbursed by The Points Guy. However, we only keep cards whose benefits make them worth carrying for us.

With that in mind, here are all of the cards we carry as of August 23, 2026.

The links below are refer-a-friend offers where we currently have them. Since welcome offers can change, we highly recommend checking other sources to see whether a better offer is available. If our links provide the best offer, we would appreciate your support by applying through them.

American Express

Transferable points

Airlines and hotels

  • Delta SkyMiles Gold Business Card
  • Hilton Honors American Express Aspire Card (x2) (JT referral)
  • Marriott Bonvoy Business American Express Card (x2) (JT referral)

Chase

Transferable points

Airlines

Hotels

Cash back

Capital One

Citi

Transferable points

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

Airlines

  • American Airlines AAdvantage MileUp Mastercard (x3)
  • CitiBusiness / AAdvantage Platinum Select® Mastercard
  • Citi / AAdvantage Globe Mastercard

Cash back

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

Barclays

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

Bank of America

  • Atmos Rewards Summit Visa Infinite
  • Atmos Rewards Ascent Visa Signature (x2)
  • MERRILL+ Visa Signature Credit Card

USAA

  • USAA Rewards Visa Signature Credit Card