The holidays always seem to sneak up on us, don’t they? Every December, you vow not to be caught off guard again. The rising cost of essentials has impacted millions of people. No matter how tight your budget is, you still want to show your family and friends how much you care about them. You want to capture that holiday magic with the perfect gift, but you need to create a room in the budget ASAP. What’s a holiday shopper to do?
Get Holiday Cash With Credit
There are lots of ways to make extra money. But if you need quick cash, you might have to take out a personal loan or open a credit card. Today, we’ll be talking about that last option. So which credit card is best for holiday shopping?
The best credit cards for holiday shopping in 2024 will give you long term payoff, as well as a quick cash boost. Many credit cards have cashback or points perks that you can use later on. Even cards that don’t have those perks can help you build your credit.
With credit cards, you have lots of options. It can feel overwhelming, especially when you add holiday stress into the mix.
Before applying for a credit card, you’ll need to know your credit score. Has it been a while since you’ve checked your credit? Checking again before applying is a good idea. Maybe you’ve never checked your credit score. Don’t worry; it’s easy!
Make your list, check your credit.
First, know your rights. You’re legally entitled to a free credit report from each of the three major credit bureaus once a year. This report doesn’t impact your score or cost you anything. But it doesn’t stop lots of websites from trying to charge you for a credit report, though, so don’t let them trick you!
These credit reports will give you your credit score. Once you know your that, you can start looking at credit cards. The credit cards with the best rewards usually require “Good” or “Excellent” credit scores.
Knowing your credit score before applying for a credit card is essential. If you apply for credit cards and get denied, it can hurt your overall credit score. This gets you stuck in a vicious cycle. You apply and get rejected, which hurts your score, so you’re more likely to get rejected next time, too.
When you know what your credit score is, you can pick the best credit card for holiday shopping without hurting your score in the long run. You’re also more likely to get approved quickly if you apply for credit cards within or below your credit range.
Let’s take a look at the best credit cards for holiday shopping so you can start wrapping those presents.
Top 9 Credit Cards For Holiday Shopping In 2024
| Credit Card Name | Annual Fee | Best For | Credit Score Required | Rewards |
|---|---|---|---|---|
Chase Freedom Flex® | $0 | Rotating categories | 690-850 | 5% on rotating categories quarterly, 3% on dining/drugstore, 1% on others |
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card | $0 | Online shopping | Good to Excellent | Up to 6% cash back on first $1500 per billing cycle, 1.5% on others |
Citi Custom Cash® Card | $0 | Personalized cashback | Good to Excellent | 5% on preferred categories each quarter up to $500, 1% otherwise |
American Express® Gold Card | $325 | Premium rewards and dining | Excellent | 4X points at restaurants and U.S. supermarkets, 3X on flights |
Wells Fargo Active Cash® Card | $0 | General cashback | 690-850 | 2% unlimited cash back on all purchases |
Wells Fargo Reflect® Card | $0 | Long intro APR | 690-850 | 0% APR for 21 months on purchases and balance transfers |
Amazon Prime Rewards Visa Signature Card | $0 | Amazon and Whole Foods shoppers | 690-850 | 5% at Amazon.com, Amazon Fresh, Whole Foods; 2% at gas, dining, transit; 1% other |
Target Circle™ Credit Card | $0 | Target shoppers | Good/Excellent | 5% discount at Target, 2% on gas/dining, 1% elsewhere |
Citi Double Cash® Card- 18 Month BT offer | $0 | Simple cashback | 630-850 | 2% cash back on all purchases (1% when you buy, 1% when you pay) |
Wells Fargo Active Cash® Card
Why we like it:
- Introducing Wells Fargo Active Cash® Card, one of the best credit cards for holiday shopping, perfect for maximizing your seasonal rewards.
- The Wells Fargo Active Cash® Card offers a rare combination of features that make it an excellent choice for holiday shoppers. The 2% cash back on all purchases is a compelling offer, especially when coupled with the absence of an annual fee. This means cardholders can maximize their rewards without worrying about covering an additional cost. The introductory 0% APR on purchases also provides a valuable cushion for those looking to spread out payments during the holiday season.
- Furthermore, the flexibility in redemption options ensures that cardholders can use their cash back in a way that best suits their needs, whether it's through statement credits, ATM withdrawals, direct deposits, or mailed checks.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- Introducing Wells Fargo Active Cash® Card, one of the best credit cards for holiday shopping, perfect for maximizing your seasonal rewards.
- The Wells Fargo Active Cash® Card offers a rare combination of features that make it an excellent choice for holiday shoppers. The 2% cash back on all purchases is a compelling offer, especially when coupled with the absence of an annual fee. This means cardholders can maximize their rewards without worrying about covering an additional cost. The introductory 0% APR on purchases also provides a valuable cushion for those looking to spread out payments during the holiday season.
- Furthermore, the flexibility in redemption options ensures that cardholders can use their cash back in a way that best suits their needs, whether it's through statement credits, ATM withdrawals, direct deposits, or mailed checks.
- Up to $600 in cell phone protection for added security.
- Advanced security features like Voice Verification and 2-step Verification.
- Exclusive Visa perks, including Concierge and Luxury Hotel Collection access.
- Pros
- Competitive 2% cash back rate on all purchases.
- No annual fee, enhancing overall value for cardholders.
- 15-month 0% APR introductory period for added financial flexibility.
- Cons
- 3% foreign transaction fee may deter international use.
- Balance transfer fee increases after 120 days, potentially impacting long-term suitability.
Wells Fargo Reflect® Card
Why we like it:
- When it comes to finding the best credit cards for holiday shopping, the Wells Fargo Reflect® Card offers unparalleled cash back benefits.
- The Wells Fargo Reflect® Card stands out as an excellent choice for holiday shopping. Its most impressive feature is the 0% introductory APR for a generous 21 months on both purchases and qualifying balance transfers. This means you can make big-ticket purchases or transfer existing balances without incurring interest charges for nearly two years. For savvy holiday shoppers looking to spread out payments, this is a game-changer.
- Moreover, the absence of an annual fee is a welcome relief, allowing you to maximize your savings during the holiday season. The Reflect® Card also caters to the digital age with its Cellular Telephone Protection, providing up to $600 of coverage against damage or theft when you pay your monthly cell phone bill with the card. This perk offers peace of mind for those who rely heavily on their mobile devices.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- When it comes to finding the best credit cards for holiday shopping, the Wells Fargo Reflect® Card offers unparalleled cash back benefits.
- The Wells Fargo Reflect® Card stands out as an excellent choice for holiday shopping. Its most impressive feature is the 0% introductory APR for a generous 21 months on both purchases and qualifying balance transfers. This means you can make big-ticket purchases or transfer existing balances without incurring interest charges for nearly two years. For savvy holiday shoppers looking to spread out payments, this is a game-changer.
- Moreover, the absence of an annual fee is a welcome relief, allowing you to maximize your savings during the holiday season. The Reflect® Card also caters to the digital age with its Cellular Telephone Protection, providing up to $600 of coverage against damage or theft when you pay your monthly cell phone bill with the card. This perk offers peace of mind for those who rely heavily on their mobile devices.
- My Wells Fargo Deals offers tailored discounts from diverse merchants, enhancing the joy of holiday shopping, dining, and experiences, with cash back as an effortless account credit.
- Credit Close-up℠ equips you with the tools to comprehend, monitor, and enhance your FICO® Score without any adverse effects on your credit.
- Pros
- Extended 0% intro APR period for both purchases and balance transfers.
- No annual fee, allowing you to save more during the holiday season.
- Valuable perks like Cellular Telephone Protection and Roadside Dispatch® add extra layers of security and convenience.
- Cons
- Variable APRs after the intro period may be higher than some competitors.
- Balance transfer fee of 5%, with a minimum of $5, could impact those looking to consolidate debts.
card_name
Why we like it:
- The Amazon Prime Rewards Visa Signature Card is frequently recognized among the best credit cards for holiday shopping due to its impressive introductory offer.
- The Prime Visa by Chase earns our enthusiastic endorsement for several compelling reasons. Firstly, its $0 annual fee, coupled with an enticing rewards program, makes it an attractive option for a broad spectrum of consumers. Prime members are instantly rewarded with a $150 Amazon Gift Card upon approval, and they continue to enjoy a generous 5% cash back at Amazon.com, Amazon Fresh, and Whole Foods Market. This card's versatility shines through with an additional 5% cash back on Chase Travel purchases, ensuring it's not limited to just online shopping. Furthermore, the 2% cash back at gas stations, restaurants, and local transit, along with 1% on all other purchases, demonstrates its commitment to rewarding everyday spending.
- What sets the Prime Visa apart is its seamless integration with the Amazon ecosystem. With the ability to redeem rewards at Amazon.com the very next day, it caters to the needs of avid online shoppers. The absence of an annual credit card fee and a plethora of travel and shopping protections further bolster its appeal. While it does require an Amazon Prime membership, the combined benefits far outweigh the associated costs. All in all, the Prime Visa by Chase is a standout choice for holiday shopping, particularly for loyal Amazon Prime users looking to maximize their spending power.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- The Amazon Prime Rewards Visa Signature Card is frequently recognized among the best credit cards for holiday shopping due to its impressive introductory offer.
- The Prime Visa by Chase earns our enthusiastic endorsement for several compelling reasons. Firstly, its $0 annual fee, coupled with an enticing rewards program, makes it an attractive option for a broad spectrum of consumers. Prime members are instantly rewarded with a $150 Amazon Gift Card upon approval, and they continue to enjoy a generous 5% cash back at Amazon.com, Amazon Fresh, and Whole Foods Market. This card's versatility shines through with an additional 5% cash back on Chase Travel purchases, ensuring it's not limited to just online shopping. Furthermore, the 2% cash back at gas stations, restaurants, and local transit, along with 1% on all other purchases, demonstrates its commitment to rewarding everyday spending.
- What sets the Prime Visa apart is its seamless integration with the Amazon ecosystem. With the ability to redeem rewards at Amazon.com the very next day, it caters to the needs of avid online shoppers. The absence of an annual credit card fee and a plethora of travel and shopping protections further bolster its appeal. While it does require an Amazon Prime membership, the combined benefits far outweigh the associated costs. All in all, the Prime Visa by Chase is a standout choice for holiday shopping, particularly for loyal Amazon Prime users looking to maximize their spending power.
- Rewards come as points, redeemable for eligible Amazon.com purchases with no minimum redemption required.
- Flexible redemption options include cash back, statement credits, deposit into eligible accounts, travel, and gift cards.
- Travel protections such as accident insurance, lost luggage reimbursement, and auto rental collision damage waiver
- Pros
- Lucrative rewards program, especially for Amazon and Whole Foods purchases.
- Flexible redemption options for earned points.
- No annual credit card fee.
- Comprehensive travel and shopping protections.
- Visa Signature benefits enhance overall cardholder experience.
- Cons
- Requires an Amazon Prime membership, which comes with an annual fee.
- Variable APR range may be relatively high for some consumers.
- Rewards may be less appealing for non-Amazon shoppers.
Target Circle™ Credit Card
Why we like it:
- For those seeking the best credit cards for holiday shopping, the Target Circle™ Credit Card delivers exceptional perks for frequent travelers.
- The Target Circle™ Credit Card is a standout choice for holiday shopping due to its generous 5% discount on most purchases at Target. This can lead to substantial savings, especially during the holiday season when expenses tend to be higher. The absence of an annual fee is a major plus, as it ensures that all the discounts you earn go directly into your pocket.
- Moreover, the extended return policy and early access to exclusive offers are additional perks that enhance the overall value of this card. For individuals who frequently shop at Target, this card is a no-brainer as it provides a straightforward way to save money on everyday and holiday purchases.
Annual Fees
$0
Regular APR
29.95% (Variable)
Credit Required
Good to Excellent (670-850)
Annual Fees
$0
Regular APR
29.95% Variable
Credit Required
Good -Excellent (670-850)
Why we like it:
- For those seeking the best credit cards for holiday shopping, the Target Circle™ Credit Card delivers exceptional perks for frequent travelers.
- The Target Circle™ Credit Card is a standout choice for holiday shopping due to its generous 5% discount on most purchases at Target. This can lead to substantial savings, especially during the holiday season when expenses tend to be higher. The absence of an annual fee is a major plus, as it ensures that all the discounts you earn go directly into your pocket.
- Moreover, the extended return policy and early access to exclusive offers are additional perks that enhance the overall value of this card. For individuals who frequently shop at Target, this card is a no-brainer as it provides a straightforward way to save money on everyday and holiday purchases.
- 10% account anniversary coupon: A generous gesture that rewards cardholders for their loyalty.
- Special Target Subscriptions offer: This feature provides an extra 5% discount when using the Target Circle™ Credit Card with the Target Subscriptions program, amplifying the potential for savings.
- 5% off in-store Starbucks spending: A unique benefit that caters to coffee enthusiasts, ensuring they get a discount even when grabbing a Starbucks at Target.
- Early access to upcoming benefits: Cardholders get exclusive access to promotions and events before the general public, adding an element of exclusivity to the card's offerings.
- Pros
- 5% discount on most in-store and online purchases at Target, including Starbucks in-store purchases.
- Free 2-day shipping for online orders, making it convenient for last-minute holiday shopping.
- Extended return policy, providing an additional 30 days for returns, which can be especially useful for holiday gifts.
- Cons
- The high APR is typical for store-specific cards, so it’s crucial to pay off the balance in full to maximize savings.
- Limited usability; the card can only be used at Target, which may not be suitable for those who shop at a variety of retailers.
- Lacks additional shopping protections that are commonly offered by major credit card networks.
card_name - 18 month BT offer
Why we like it:
- Meet Citi Double Cash® Card', a standout choice among the best credit cards for holiday shopping, designed to make your festive spending rewarding.
- The Citi Double Cash® Card's simplicity is a key factor. Unlike cards with rotating categories or spending limits, this card offers a consistent 2% cash back on all purchases. This straightforward approach means you can use it for all your expenses without having to track bonus categories.
- The flexibility to convert rewards into travel points is an added bonus. This opens up opportunities for those who enjoy traveling to potentially get even more value out of their rewards. The ability to combine points across multiple Citi cards further enhances this flexibility.
- In addition, the card's 0% introductory APR on balance transfers is a valuable feature for those looking to manage existing debt or make large purchases. This introductory period can provide significant savings on interest charges.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- Meet Citi® Double Cash Card', a standout choice among the best credit cards for holiday shopping, designed to make your festive spending rewarding.
- The Citi® Double Cash® Card's simplicity is a key factor. Unlike cards with rotating categories or spending limits, this card offers a consistent 2% cash back on all purchases. This straightforward approach means you can use it for all your expenses without having to track bonus categories.
- The flexibility to convert rewards into travel points is an added bonus. This opens up opportunities for those who enjoy traveling to potentially get even more value out of their rewards. The ability to combine points across multiple Citi cards further enhances this flexibility.
- In addition, the card's 0% introductory APR on balance transfers is a valuable feature for those looking to manage existing debt or make large purchases. This introductory period can provide significant savings on interest charges.
- With the Citi Double Cash® card, you're in control. Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of your account opening. It's a flexible way to manage your finances.
- Enjoy a low Intro APR on balance transfers for a generous 18 months: 0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness.
- Pros
- 2% cash back structure is simple and effective.
- No annual fee, making it cost-effective for all users.
- 0% intro APR on balance transfers for 18 months provides significant value.
- Wide accessibility with a recommended credit score range of 630-850.
- Flexibility to convert rewards into travel points.
- Cons
- No sign-up bonus.
- No 0% introductory period on purchases.
Chase Freedom Flex®
Why we like it:
- The Chase Freedom Flex® is renowned as one of the best credit cards for holiday shopping, featuring an outstanding cash rewards program.
- The Chase Freedom Flex® offers a dynamic rewards structure that adapts to your spending habits, making it an excellent choice for holiday shopping. With 5% cash back on rotating categories each quarter (up to $1,500 in combined purchases), 3% on dining and drugstore purchases, and 1% on all other purchases, this card allows you to maximize your rewards based on your spending patterns during the holiday season.
- Additionally, the card comes with a $200 bonus after spending $500 in the first three months, providing an immediate boost to your rewards. The flexibility of rotating categories means you can tailor your rewards to fit your specific shopping needs each quarter, making it easier to earn more cashback on your most frequent purchases.
Annual Fees
$0
Regular APR
20.49% – 29.24%, Variable APR
Credit Required
690-850
Annual Fees
$0
Regular APR
20.49%-29.24%, Variable APR
Credit Required
690-850
Why we like it:
- The Chase Freedom Flex® is renowned as one of the best credit cards for holiday shopping, featuring an outstanding cash rewards program.
- The Chase Freedom Flex® offers a dynamic rewards structure that adapts to your spending habits, making it an excellent choice for holiday shopping. With 5% cash back on rotating categories each quarter (up to $1,500 in combined purchases), 3% on dining and drugstore purchases, and 1% on all other purchases, this card allows you to maximize your rewards based on your spending patterns during the holiday season.
- Additionally, the card comes with a $200 bonus after spending $500 in the first three months, providing an immediate boost to your rewards. The flexibility of rotating categories means you can tailor your rewards to fit your specific shopping needs each quarter, making it easier to earn more cashback on your most frequent purchases.
- Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
- 3% cash back on dining and drugstore purchases.
- 1% cash back on all other purchases.
- No annual fee and a competitive introductory APR.
- Pros
- High cash-back rate on rotating categories each quarter
- No annual fee
- $200 bonus after spending $500 in the first three months
- Competitive introductory APR
- Cons
- Requires active category activation each quarter
- Limited to $1,500 in combined purchases per quarter for 5% cash back
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
Why we like it:
- Discover U.S. Bank Shopper Cash Rewards™ Visa Signature® Card, a top contender among the best credit cards for holiday shopping, with an enticing rewards structure and flexible redemption options.
- The U.S. Bank Shopper Cash Rewards™ Visa Signature® Card is tailored for online shoppers, offering a competitive cashback rate on qualifying purchases. It allows you to earn up to 6% cash back on the first $1500 spent each billing cycle on online purchases, making it an excellent option for those who do the bulk of their holiday shopping online.
Annual Fees
$0 intro for the first year, then $95
Regular APR
19.74% – 29.24% (Variable)
Credit Required
Good to Excellent
Annual Fees
$0 intro for the first year, then $95
Regular APR
19.74% – 29.24% Variable
Credit Required
Good to Excellent
Why we like it:
- Discover U.S. Bank Shopper Cash Rewards™ Visa Signature® Card, a top contender among the best credit cards for holiday shopping, with an enticing rewards structure and flexible redemption options.
- The U.S. Bank Shopper Cash Rewards™ Visa Signature® Card is tailored for online shoppers, offering a competitive cashback rate on qualifying purchases. It allows you to earn up to 6% cash back on the first $1500 spent each billing cycle on online purchases, making it an excellent option for those who do the bulk of their holiday shopping online.
Sign-up Bonus: $250 bonus after a spending of $2000 in first 120 days.
- Earn up to 3% cash back on the first $1500 in online purchases each billing cycle.
- 1.5% cash back on all other purchases.
- No annual fee, which enhances its appeal for budget-conscious shoppers.
- Compatible with major digital wallets for seamless online transactions.
- Flexible cash back redemption options, including statement credits and direct deposits
- Pros
- High cash-back rate on online purchases
- No annual fee
- Easy cash back redemption options
- Compatible with digital wallets
- Cons
- Limited to online shopping for maximum rewards
Citi Custom Cash® Card
Why we like it:
- When evaluating the best credit cards for holiday shopping, the Citi Custom Cash® Card offers significant savings with its generous introductory APR.
- The Citi Custom Cash® Card offers a personalized rewards structure that adapts to your spending habits. Each quarter, you can choose a category where you’ll earn 5% cash back on up to $500 in purchases, making it highly adaptable to your needs during the holiday season. This flexibility ensures you maximize your rewards based on your unique shopping patterns.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- When evaluating the best credit cards for holiday shopping, the Citi Custom Cash® Card offers significant savings with its generous introductory APR.
- The Citi Custom Cash® Card offers a personalized rewards structure that adapts to your spending habits. Each quarter, you can choose a category where you’ll earn 5% cash back on up to $500 in purchases, making it highly adaptable to your needs during the holiday season. This flexibility ensures you maximize your rewards based on your unique shopping patterns.
Intro Offer: $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.
- Rotate and choose a new 5% cash back category each quarter, up to $500 in purchases.
- Earn 1% cash back on all other purchases.
- No annual fee and a competitive introductory APR.
- Flexible redemption options, including cash back, gift cards, and travel.
- Pros
- Personalized cash back categories
- No annual fee
- Flexible redemption options
- High rewards on chosen categories
- Cons
- Requires active selection each quarter
American Express® Gold Card
Why we like it:
- The American Express® Gold Card stands out as one of the best credit cards for holiday shopping, offering exclusive access to travel perks and cash back rewards.
- The American Express® Gold Card is perfect for those who dine out frequently and shop at U.S. supermarkets. It offers generous rewards in these categories, which can be highly beneficial during the holiday season when dining and grocery shopping increase. The premium benefits and comprehensive travel protections make it an excellent choice for those who want to maximize their rewards and enjoy luxury perks.
Annual Fees
Regular APR
Credit Required
Annual Fees
Regular APR
Credit Required
Why we like it:
- The American Express® Gold Card stands out as one of the best credit cards for holiday shopping, offering exclusive access to travel perks and cash back rewards.
- The American Express® Gold Card is perfect for those who dine out frequently and shop at U.S. supermarkets. It offers generous rewards in these categories, which can be highly beneficial during the holiday season when dining and grocery shopping increase. The premium benefits and comprehensive travel protections make it an excellent choice for those who want to maximize their rewards and enjoy luxury perks.
Sign-up Bonus: Earn Membership Rewards® points after meeting a spending threshold.
- Earn 4X points at restaurants, including takeout and delivery.
- Earn 4X points at U.S. supermarkets (up to $25,000 per year).
- Earn 3X points on flights booked directly with airlines or through amextravel.com.
- $120 dining credit annually.
- $100 airline fee credit.
- Comprehensive travel and purchase protections.
- Pros
- High rewards in dining and supermarket categories
- Comprehensive travel and purchase protections
- Valuable credits that offset the annual fee
- Cons
- High annual fee
- Requires excellent credit
Practical Tips For Saving On Shopping
Are you fed up with hearing the same old money-saving advice? In order to save money and shop smarter, these tips are what you need. They’ll come in handy especially with the holiday shopping season coming up. Here are some tips for getting the most for your money when you buy things for yourself or to use.
1. Set A Realistic Budget and Stick To It
Decide how much you are comfortable spending generally before you even consider visiting stores or surfing internet. Break it down into categories like gifts, home supplies, or work gear, so you can see exactly where your money is going. If you have ever created a budget and totally disregarded it—this time try jotting it down or utilizing a budgeting tool to monitor your spending. This will help you to prevent overspending and identify when you have reached your limit.
2. Make A Prioritized List
Impulse purchases are budget killers. Before you go shopping, write down everything you need and rank it by how important it is. Do you know what you need to do the job? Those are on top. Need a gift for your family? You should write down what you want to buy, but be ready to change your mind as you check prices. Flashy deals that look like a good deal but cost a lot of money won’t bother you if you stick to this list.
3. Maximize Cashback and Rewards
When you use a credit card to buy something, why not get something back? If you spend a lot of money on tools and materials, choose the cards that give you the most points or cash back for the things you buy. For small businesses, there are even cards or deals that give you a better return on the money you spend on business costs. Points or cash prizes can add up over time and help you pay for some of the things you buy. Use apps like Rakuten and Honey to get the best deals and save the most money.
4. Hunt For Discounts, Not Just Deals
There are some great deals during the holidays, but smart shoppers know they should look even further. When you use apps and computer add-ons like Honey or Rakuten, you can get coupons and cashback on your purchases right away. Also, don’t just count on Christmas sales. Traders, soldiers, and people who buy from a lot of places often get discounts all year long. In the store, don’t be afraid to ask for these less well-known deals. Don’t miss them.
5. Plan Your Purchases Ahead Of Time
You might spend more than you planned if you rush at the last minute. You can buy things over a few weeks or even months if you start early. This will make the cost less upsetting. If you plan ahead, you have more time to find better deals, compare prices, and make smart decisions. Do not buy something quickly when you are worried.
Find The Best Credit Cards For Holiday Shopping In 2024
Ultimately, there is no “best credit card” when it comes to holiday shopping. There are a lot of factors that go into finding a credit card that works for you.
The best credit card for someone with an excellent credit score isn’t going to be the same as the best credit card for someone with a poor credit score. Some people use their holiday credit card all year round, while others need a one-time use.
The most important thing finding a card that fits your needs and helps you out.
Do you need to improve your credit for buying a home or a car in the future? Picking a card that’s designed to help you build credit is a great choice.
Do you travel a lot for work or fun? Pick a card that has rewards points you can put towards travel.
Maybe you have some smaller debts with high-interest rates.
Conclusion
A credit card can help you rearrange your finances to work for your benefit. The key to choosing the best credit card for holiday shopping is finding a card that fits your short and long-term financial goals. Picking a card like that means you can keep earning and saving pennies, all while shopping for the perfect gift. Choosing a credit card that fits your goals takes away some money stress. Less stress leaves you free to enjoy the best part of the holidays: spending time with the people you love most.
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FAQs
Which card is better for shopping?
It depends on your shopping habits. If you shop frequently online or with a particular retailer, such as Amazon or Walmart, credit cards like the Amazon Prime Rewards Visa Signature Card or the Chase Freedom Unlimited® may offer the best rewards. If you’re looking for flexibility, cards like the Wells Fargo Active Cash℠ Card with 2% cash back on all purchases could be a great choice.
Is it better to buy on holiday on a credit card?
Using a credit card for holiday purchases can offer benefits like fraud protection and rewards. However, it’s important to manage your spending and pay off the balance to avoid high interest rates.
What should I consider when choosing a credit card for holiday shopping?
Consider factors like the card’s rewards structure, annual fees, interest rates, and any promotional offers. Choose a card that aligns with your spending habits and offers the best value for your shopping needs.
Are there any special holiday promotions for credit cards in 2024?
Many credit card issuers offer holiday-specific promotions, such as increased rewards on certain purchases or limited-time offers. Check with your card issuer or research online to find out about any ongoing promotions.
How can I avoid overspending when using a credit card for holiday shopping?
Set a budget for your holiday shopping and stick to it. Avoid making impulsive purchases and track your spending regularly. Consider using apps or alerts provided by your credit card issuer to help you stay within your budget.
