Find the Best Cards. Earn Rewards.
Travel Smarter.
Stop missing rewards. Start earning travel from the spending you already do.
CreditPoints is a free, multilingual credit-card rewards and award-travel research site for US consumers and newcomers — with data-backed card reviews, transfer-partner and points-valuation guides, side-by-side comparisons, and step-by-step help building US credit from scratch with an SSN or ITIN.
Recent intelligence
May 2026 · 100+ cards · Updated daily
Best Credit Card Offers
Bonuses currently above normal — act before they drop
Amex
Amex Platinum
Chase
Sapphire Preferred
Chase
Sapphire Reserve
Amex
Amex Gold
Chase
United Club Infinite
Chase
United Quest
Citi
Strata Premier
Bilt
Bilt Palladium
Wells Fargo
Autograph Journey
Chase
SW Priority
Chase
IHG Premier
Amex
Delta Gold
Chase
Bonvoy Boundless
Chase
IHG Traveler
Amex
Hilton Surpass
Everything CreditPoints can do
Smart tools for every card decision.
Seven tools. One AI brain.
Every credit-card decision a serious traveler needs to make — modeled, ranked, and explained. No spreadsheets.
AI Advisor
Personal card ranking in 8 questions
Answer a few questions about your credit, spending, and travel goals. We rank every card by what it's actually worth to YOU — not by who pays us more.
Open AI AdvisorTop matches for: 720+ FICO · $3K/mo · travel goal
Approval Predictor
Odds before you apply — no SSN, no hard pull
Tell us your FICO range, 5/24 count, and a few other signals. We model 100+ cards against publicly disclosed issuer rules and community data.
Open Approval PredictorProfile: 720 FICO · 2/24 · $80K income
24
Very likely
18
Likely
12
Uncertain
6
Unlikely
Trip Planner
Turn your points into a real trip
Pick a destination, see the cheapest award flight, top point-redeemable hotels, and which cards' welcome bonuses cover the trip outright.
Open Trip PlannerNYC → Tokyo · ANA business
75,000 MR / one-way
Sapphire Preferred bonus covers it
Annual Fee ROI
Is the fee actually worth it for you?
Slide each credit to how YOU actually use it. We do the math: welcome bonus + credits captured − annual fee. Verdict, in 30 seconds.
Open Annual Fee ROIAmex Platinum · $895 AF
+$312
Worth it for you
Offer Intelligence
Live offer tracking + historical highs
We scrape issuer pages daily, track every bonus change, and flag offers that hit record highs. Subscribe to a card → get one email when its bonus elevates.
Open Offer Intelligence12 elevated offers tracked today
Elevated
Sapphire Preferred elevated 60k → 75k
Record high
Amex Gold hit record-high bonus
Application Tracker
Chase 5/24 + all bank velocity rules in one place
Enter your cards once. Instantly see your 5/24 count, which banks are blocked and until when, welcome bonus spend progress, and upcoming annual fees. Free, no login.
Open Application Tracker5/24 Status
Bilt Points Calculator
How much is your rent worth in points?
Enter your rent, dining, and other monthly spend. See annual Bilt points, dollar value at Hyatt and other transfer partners, and how Bilt compares to Chase, Amex, and Capital One.
Open Bilt Points CalculatorBilt Points / Year
36,000
$1,500 rent · $400 dining · $200 other
Browse by topic
Pick a topic to read every relevant guide and news story in one place.
Transfer Partners
58 articlesHow to move points between bank ecosystems and airline / hotel programs — ratios, sweet spots, and when transferring beats redeeming through the portal.
Explore
Sweet Spots
48 articlesAward redemptions with outsized value — the hotel nights, business-class flights, and round-the-world tickets worth more than their points cost.
Explore
New to America
37 articlesBuilding US credit as a newcomer or immigrant — ITIN and no-SSN cards, visa-holder approval, Nova Credit, and the path from zero to a 700+ score.
Explore
Stuck between two cards?
The matchups our readers actually search for — same-issuer rivals, same-tier siblings, and cross-ecosystem decisions.
Amex Platinum vs Sapphire Reserve
Compare
Amex Platinum vs United Club Infinite
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Amex Gold vs Sapphire Reserve
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Amex Gold vs United Club Infinite
Compare
AA Executive vs Delta Reserve
Compare
Chase Aeroplan vs Delta Reserve
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Chase Aeroplan vs AA Executive
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Delta Platinum vs United Quest
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Latest Guides
Fresh deep-dives on strategy, cards, and loyalty programs.
Latest News
Recent changes to card offers, transfer partners, and loyalty programs.
100+
US cards tracked daily
$1,200
avg first-year value found
4
languages supported
80+
approval models
$0
dollars to use it
Never miss an
elevated bonus offer
Every Sunday: the top 3 cards with elevated bonuses, historical highs reached this week, and timing tips. No fluff, no spam — unsubscribe anytime.
- Elevated offers before they expire
- Apply-now vs wait recommendations
- One email per week. Zero spam.