Are you planning your Christmas shopping and wondering how to make the most out of your credit card? Don't worry – Flik Eco is here to help! We've handpicked the best credit cards for your Christmas shopping that offer great rewards, cashback, and other perks, to make your festive spending both fun and fruitful. Let's dive into a winter wonderland of wise and savvy shopping options to make your holidays merry and bright!
Best Credit Cards For Christmas Shopping Table of Contents
Main Features of the Best Credit Cards for Christmas Shopping
Main Features of the Best Credit Cards for Christmas Shopping
- Rewards and Cashback: Extra points or cashback on purchases help you save money over the holiday season.
- Promotions and Bonuses: Look out for sign-up bonuses and promotional offers to maximize your rewards.
- 0% Intro APR: Choosing a card with a 0% introductory APR period will help you avoid interest charges on your holiday shopping for a limited time. Be cautious about paying off your balance before the offer expires, though!
- Travel Perks: If you're planning a holiday getaway, consider a travel rewards card that offers airport lounge access, free checked bags, and other travel-related perks.
- No Annual Fee: Avoid annual fees, especially if you don't plan on keeping the card for more than a year.
Top Credit Cards for Christmas Shopping
1. Chase Freedom Flex
- 5% cashback on rotating quarterly categories, like Amazon and Walmart (up to $1,500 in combined purchases per quarter).
- 5% cashback on travel booked through Chase Ultimate Rewards.
- 3% cashback on dining, drugstore purchases, and 1% cashback on everything else.
- $200 sign-up bonus after spending $500 in the first three months.
- 0% intro APR on purchases for 15 months.
- No annual fee.
2. American Express Blue Cash Preferred
- 6% cashback on supermarket purchases (up to $6,000 per year).
- 6% cashback on select streaming services.
- 3% cashback on transit and gas purchases.
- 1% cashback on everything else.
- $300 statement credit after spending $3,000 in the first six months.
- 0% intro APR on purchases for 12 months.
- $95 annual fee (usually waived the first year).
3. Discover it Cash Back
- 5% cashback on rotating quarterly categories (up to $1,500 in combined purchases per quarter).
- 1% cashback on all other purchases.
- Cashback Match – Discover doubles all the cashback you've earned at the end of the first year.
- 0% intro APR on purchases and balance transfers for 14 months.
- No annual fee.
Best Credit Cards For Christmas Shopping Example:
Let's imagine that Ashley plans to spend $1,500 on Christmas shopping this year, primarily at Amazon, Walmart, and local supermarkets. By using the Chase Freedom Flex, this is what she can earn:
- 5% cashback on Amazon and Walmart purchases (up to $1,500 in combined purchases per quarter) = $75
- $200 sign-up bonus after spending $500 in the first three months = $200
- 1% cashback on other purchases = $15
This means a total cashback of $290, along with the benefit of the 0% intro APR for 15 months, and no annual fee.
Now that you know the best credit cards for Christmas shopping, make sure to apply for the one that suits your spending habits and offers the most rewards for your planned purchases. Don't forget to share this article with friends and family, so they too can save money and enjoy a rewarding holiday shopping season. Be sure to explore other guides on Flik Eco, where we bring you valuable personal finance tips that help you make smarter decisions and achieve financial freedom.
