I’m a big fan of taking advantage of reward points my credit cards offer.
These days we have lots of choices: You can choose a credit card offered by a store you shop at often, or stick with a general credit card that rewards you for shopping.
Between these rewards, special cardholder discounts, sale prices, coupons, and coupon codes, you can score some pretty impressive deals around the holidays!
Still, with all those choices it can be difficult to pick the card that’s right for you. After comparing quite a few, these are the five best credit cards for shopping during the holidays.
If you’re planning on holiday spending, get some of that hard-earned money back with one of these credit cards!
This card has rotating bonus categories that change quarterly, allowing you to earn 5% cash back at certain online retailers. Because these stores and categories change quarterly, you’ll want to pay close attention before you use this card to get some cash back!
There’s also no annual fee or any foreign transaction fees for this card, and for new cardholders Discover will automatically match all the cash back you’ve earned at the end of your first year.
If you use this card and also a coupon code when purchasing online, you can really save some bucks!
Sign up during a special event or check out the latest Discover Card coupons here!
If you’re planning on skipping the lines and shopping on Cyber Monday, this credit card may be your best bet. It works not only when shopping online, but really on just about any purchase.
You earn a point for every dollar you spend and when you pay the bill, you earn another point!
Another big advantage to this card: Some credit cards have a limit of how many bonus points you can earn, but there’s no limit with the Citi Double Cash Card.
Also, there’s no annual fee, but there is a 3% foreign transaction fee.
Be on the lookout for the latest Citibank coupons here!
If you already shop at Gap, Banana Republic, Old Navy, or Athleta — or if you know some family members who love their clothes — the Gap credit card may be worth applying for.
Not only will you get a bonus discount of 15% off for opening and using the card, but the points add up to reward certificate you can use in any of these stores.
Another perk: There are saving specials that run throughout the year for cardholders. Add any Gap coupons and coupon codes to these specials and you can really score some amazing deals!
I like the Target Red Card because not only can you get 5% off your purchase of clothes, shoes, DVDs, and more, you can also use it for groceries and household supplies.
Another bonus: This discount is in addition to Cartwheel and Target coupon savings, so don’t be afraid to clip some Target coupons.
You also get free shipping and an extended return policy, two perks perfect for any shopper! Did I mention there’s no annual fee?
The Upromise World MasterCard earns you up to 10% cash back — that’s 5% when you make your purchase and 5% when you pay your credit card bill. These purchases need to be made through eligible online retailers listed at Upromise.com, but if you don’t see a retailer there you like, there’s another bonus to this card.
If you use the card within the first 90 days of opening your account, you receive a $100 cash-back bonus. Also, parents can save their cash back rewards in an eligible 529 College Savings Fund, a Sallie Mae High-Yield Savings Account, or use them to pay off eligible student loans. Now that’s a win!
Find the latest Upromise coupons here!