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Find the perfect credit card for Christmas shopping
Get rewards on spending, 0% APR and more when you Christmas shop.
Christmas is the season for giving. It’s also when many of us turn to credit cards to pay for gifts, food and everything needed for this special time of year with family and friends.
What if you took control of your Christmas spending before it got out of hand? It’s simple to do — and it starts with knowing your options.
Best credit cards for Christmas shopping
Get a boost to your holiday spending: Cards with welcome offers
The Blue Cash Preferred® Card from American Express shows up once again as our pick for a holiday card with a welcome offer. This card offers a simple welcome offer of $250 for spending $1,000 in the first 3 months of account opening.
Buy now, pay later: 0% intro APR credit cards
With these cards, you get up to a year to repay your holiday spending without unnecessary interest on your purchases. At the end of your intro, any debt remaining on the card accrues interest at a higher revert rate. These cards offer a great way to stretch out a thin holiday wallet, provided you pay off your purchases before the end of your intro APR.
Our pick for a holiday 0% intro APR credit card is the Blue Cash Everyday® Card from American Express (see rates & fees All information about this card has been collected independently by Finder). Not only will you enjoy a 15 months 0% intro APR followed by a variable APR of 14.74% to 25.74%, but you can earn above-average cashback rewards at US supermarkets, US gas stations and US select department stores.
Earn rewards as you spend: Cashback and travel cards
Our pick for a holiday cashback card is the Citi® Double Cash Card. You’ll get 1% cashback on all holiday purchases and another 1% cashback when you pay it off. This makes it a great option if you never know just what sort of gifts you’ll be purchasing this year.
Get rewarded for holiday groceries: Cards for everyday purchases
Our pick for a holiday grocery card is the Blue Cash Preferred® Card from American Express. This card has one of the biggest cashback rates on groceries around. You’ll earn 6% at US supermarkets on up to $6,000 per year before reverting to 1% cashback. And new this year is 6% cashback on select streaming services — perfect for when your family gathers to stream the burning of the yule log.
Get rewarded for eating out this holiday season: Dining cards
Best of all, Epicureans who spend a lot eating out can earn cash back and benefits well beyond the Christmas season.
Our pick for holiday dining card is the Uber Visa Card. Despite its status as an Uber card, you’ll find one of the highest dining cashback rates available at 4% when you make dining purchases with this card. This card also get you a 3% cashback rate on travel, making it a great choice if you’re traveling to family for the holidays.
Save on overseas shopping: Cards with no foreign transaction fees
Our pick for a holiday credit card with no foreign transaction fees is the Hilton Honors American Express Card (see rates & fees). On top of no foreign transaction fees, you can earn 75,000 Hilton Honors points when you spend $1,000 in eligible purchases within the first 3 months. You’ll also earn additional points on eligible categories. This makes it a great value card if you’re traveling abroad for the holidays and stay at Hilton hotels.
Shop without the frills: Cards with no annual fee
Our pick for a holiday credit card with no annual fee is the UNIFY Financial Credit Union Variable-Rate Visa® Credit Card. While this card doesn’t offer rewards, it’s incredibly light on fees and features a low APR on all balances ranging from 8.24% to 17.99% variable.
Manage Christmas debt: Balance transfer cards
The information about the HSBC Gold Mastercard® credit card has been collected independently by Finder. The card details have not been reviewed or approved by the card issuer.
It’s no surprise the holiday season can lead to a fair amount of debt. Applying for a balance transfer card can let you transfer over your Christmas spending and any other eligible debts and let you pay them off without accumulating interest over a set period.
Our pick for a holiday balance transfer credit card is the HSBC Gold Mastercard® credit card. This card sports one of the longest 0% intro APRs on purchases and balance transfers available at a hearty 18 months. After the intro period, you’ll have a variable APR of 12.74% to 20.74%.
How we selected our top cards
When choosing this year’s top Christmas credit cards, we compared a number of factors potentially important to Christmas consumers, including balance transfer opportunities, introductory APRs, annual fees, welcome offers and any additional rewards or perks offered. We highlighted cards that stood out in one or more of these categories.
What’s changed in 2019
The Uber Visa joined the list this year thanks to a serving as a great way to earn rewards during your holiday festivities and travel, including a more than solid 4% back on dining. It’s joined by the HSBC Gold Mastercard®, which offers a terrific 0% APR introductory period for those who need to carry a holiday balance.
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Should you apply for a new credit card for Christmas?
First, re-evaluate your existing credit cards. Do they provide the tools you need for your upcoming Christmas shopping? If not, here’s what to consider:
- Do you want to pay off your purchases over time? If your current credit card doesn’t have an intro APR period on purchases, consider applying for a card that does. As an alternative, you can use your current credit card to make large purchases and later apply for a balance transfer card. Once you move your balance to your new card, you can enjoy an interest-free period to pay off your debt.
- Do you want to earn rewards? If your current cards don’t have a rewards program, now is the time to consider applying for such a card. If you intend to use your card for everyday purchases, a cashback card would be a good choice; if you travel often, a travel credit card should be at the top of your list.
- Have you cleared the signup bonus? If you have already earned the signup bonus on your current credit card, now you have the chance to do it again with your new card. You’ll rarely find a time of the year where it’s easier to hit the spending limits required for signup bonuses and earn extra rewards than during Christmas.
When should I apply for a Christmas credit card?
Generally, you should apply for your Christmas credit card when you intend to do the bulk of your shopping. Here are a few factors to consider:
- Signup bonus periods. Most credit cards require you to meet the spending requirements for a signup bonus within a few months of opening your account. This means if you plan on shopping early in the year, you’ll want to apply appropriately.
- Earning bonuses. Some rewards cards have a revolving selection of bonus categories throughout the year. The Chase Freedom, for example, rotates to several stores common for Christmas shopping during the last quarter of the year.
- Application time. Depending on the issuer, it can take up to 10 days to find out if you’ve been approved for your card. Generally, you can expect to receive your credit card 7 to 10 business days after approval.
How to use a credit card for Christmas shopping
Get the most out of your credit card this Christmas by taking advantage of your interest-free grace period. Nearly every credit card offers a grace period on your spending that can give you time to pay off what you owe without putting a penny toward interest.
With most cards, you qualify for the grace period only if you’ve paid your statement in full for the previous month. To take advantage of your grace period for holiday spending, plan to pay off any balance due on your card by November.
After that, use your card to pay for gifts, food and other holiday-related needs throughout December. Those purchases will likely qualify for your card’s interest grace period and, after your December billing cycle closes, you’ll have 20 days or more to pay off your new balance before interest accrues.
How do I compare Christmas credit card offers?
Weigh key details of your credit card options, such as:
- Intro APRs. Many cards offer an intro 0% APR on purchases, balance transfers or both. Note how long the intro offer lasts so you know how long you can wait to repay your debt without interest.
- Interest rates. Confirm each card’s typical interest rates for purchases and balance transfers. These rates apply as soon as any 0% APR periods end — and could add a lot to your credit card bill if you’re carrying a balance. This is important to know if you don’t think you’ll be able to pay off your holiday spending in full by the end of the intro period.
- Annual fee. You can pay as low as $0 and as high as a few hundred dollars a year to use your card. Some cards reduce or waive your annual fee altogether for the first year.
- Signup bonus. Many cards offer enticing bonuses just for signing up. These extra miles, points or cash back could mean hundreds of dollars for the holidays, if you qualify. Confirm the offer requirements, as you may need to spend a set amount in the first few months before you can get your bonus.
- Earned rewards. When evaluating a rewards card, look at the cash back, points or miles you’ll earn for each dollar spent. Learn about any caps on rewards or spending, and browse the provider’s site to learn when and how you can redeem your rewards.
- The extras. Complimentary travel insurance, extended warranties, airport lounge access and concierge services can help you get more value from your card. Think carefully about whether you’ll use them, and weigh them against any annual fee or other costs.
- Is it worth using after Christmas? While you’ll be using this card during the Christmas shopping season, is it a card you would consider using afterward? For example, are the rewards rates good year-round and do they align with your spending habits? Or will you use the reward points in the future?
Ideas for managing holiday credit card debt
Keep the warm, fuzzy spirit of Christmas alive well into the new year with tips to staying on top of your spending and budget.
- Make large payments right away. Especially helpful if you have a 0% APR period, paying off as much as you can each month reduces the balance that accrues interest after your intro rate ends.
- Set goals you can reach. It can take only a month or two to land into holiday debt, but it can take longer to get out. Create a budget to schedule consistent payments to get you back on your feet quickly.
A new credit card can help you get through the holidays. But before you apply, consider what you’re looking for — whether that’s cash back, a low-interest intro period, no foreign transaction fees, no annual fee or other rewards.
Compare your credit card options to narrow down the right card to guide you through the yuletide season.
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