Top 7 credit cards for holiday shopping -
Updated: August 4, 2016
The approach holiday season quickly, and we have some suggestions for you to save money by paying with a credit card. There are two main ways you can save money while you shop for your friends and family this year.
First, you can make money while you shop using a cash back credit card. Some cards will earn you 3% - 6% -Cash back on some holiday categories, allowing you to recover part of what you pay in gifts. Why not earn some money on the purchases you already plan to do? Next, get a credit card that offers a 0% introductory APR with no interest card, you can buy everything you need for the holiday season without paying interest charges as long as 18 months just in case you can not pay your balance in full. And our senior credit card cash back offer the best of both worlds, up to 6% cash back combined with 12 months interest free!
Best credit cards for holiday shopping
Because there are so many options when it comes to credit cards for holiday shopping, we have divided up cards that offer a long 0% Intro APR cards with cash back benefits and those that simply offer the longest 0% introductory APR
long 0% Intro April, more cash back
the card Preferred Blue Cash from American Express (a NextAdvisor seller) offers a fantastic mix of rewards and a 0% APR intro to start, you will have a 0% APR for the first 12 months on purchases and balance transfers. Although there is an annual fee of $ 95, you will receive $ 150 back after spending $ 1,000 within the first three months of card membership. Not only that, but the card provides amazing 6% cash back in American supermarkets (up to $ 6,000 of purchases), ended 3% on gas station purchases and department stores (ideal for shopping feasts) and 1% on all other purchases. American Express is also running a special offer that earns you 5% cash back on up to $ 4,000 in eligible travel purchases made during the first 6 months of membership card - that is up to $ 200 cash back! If you are looking for a card that offers similar features no annual fee, see the daily cash the credit card from American Express. This card comes with the same 12 months 0% introductory April, but lower introductory bonuses and cash back rates. It also offers the same 5% special offers on travel purchases.
If you are an online marketer, you Discover Card is the best choice for Cyber Monday sales this upcoming holiday. In fact, from October to 31 December 2015, you will be back on Amazon.com or shopping department stores 5% of up to $ 1,500. Find out what is 5% cash back every quarter turn, allowing you to enjoy making money back on different types of purchases every three months. Other major benefits include 12 months 0% introductory APR unlimited 1% cash back on all other purchases and no annual fee.
In addition to a 0% Intro APR for the first 15 months, the Chase Freedom card also gains an excellent extra 5% back on purchases up to $ 1500 value categories rotation and unlimited 1% cash back on all other purchases. Until the end of this year, the categories are theme-shopping holiday. You will get 5% cash back on purchases from Amazon.com, Zappos.com and select department stores. Better yet, there is no annual fee with Chase Freedom and you get a cash bonus of $ 150 back when you spend $ 500 over the first three months of account opening. And unlike other cards in this list, you do not have excellent credit to be approved for the Chase Freedom. Those who simply "good" credit scores (usually 660 or more) have a chance to be approved.
If you want a credit card that earns generous cash back regardless of the time of the year category or shopping, the Capital One Cash Rewards Quicksilver is good choice. You will gain unlimited 1.5% cash back on all purchases and pay a 0% APR until September 2015. The card also comes with a cash bonus of $ 100 back when you spend $ 500 in the first three months of opening the account and no annual fee. Like Chase Freedom, you need only good, not great, credit to be approved.
The Cash Card Double Citi (NextAdvisor a seller) is another choice for making money on holiday shopping. As one of the newest credit cards on the market, Citi Double Cash offers a unique way to make money back. You will have all the purchases you make and another 1% for every dollar you Payback on your bill 1% cash. In essence, you can up to 2% cash back on an unlimited amount of purchases when you pay your statement. Although there is no bonus, this card has no annual fee. While the card has 0% Intro APR on purchases, it has a long 18 months 0% Intro APR on balance transfers, which means that you can shop with another card and the transfer to the card. Note that you have to pay balance transfer fee of $ 5 or 3% of each transfer (whichever is greater), but since you save on interest, it may be worth it.
Longest 0% Intro APR
With a huge 18 months 0% Intro APR, the Citi Simplicity Card is an excellent choice if you need to pay your balance over time without the threat of interest charges. In addition to this generous purchase Apr intro, this card also has a 18 months 0% Intro APR for balance transfers. Citi Simplicity also has a unique, no fee policy - no late fees, penalties or annual fees - ever
The Citi Diamond Preferred Card also comes with a long 18 months 0% Intro APR on purchases and balance transfers. In addition to paying no interest on your purchases, Citi Diamond Preferred Card lets you earn Citi Offers Easy Points which can be redeemed against online deals on merchandise brand and gift cards. To top it all, there is no annual fee.
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