Outstanding credit cards for shopping this Christmas | finder.com
Couple Christmas shopping

Find the perfect credit card for Christmas shopping

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Save big with rewards, 0% APR, no foreign transaction fees and more.

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.

Which credit card should I get for Christmas shopping?

Compare Christmas shopping credit cards

Name Product Purchase APR Balance transfer APR Annual fee Filter values
0% intro for the first 15 months (then 15.24% to 26.24% variable)
0% intro for the first 15 months (then 15.24% to 26.24% variable)
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
0% intro for the first 15 months (then 15.24% to 26.24% variable)
0% intro for the first 15 months (then 15.24% to 26.24% variable)
$0
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
0% intro for the first 12 months (then 15.24% to 26.24% variable)
0% intro for the first 12 months (then 15.24% to 26.24% variable)
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
0% intro for the first 18 months (then 13.24%, 17.24% or 21.24% variable)
0% intro for the first 18 months (then 13.24%, 17.24% or 21.24% variable)
$0
An 18 months 0% intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
0% intro for the first 12 months (then 15.24%, 19.24% or 25.24% variable)
0% intro for the first 12 months (then 15.24%, 19.24% or 25.24% variable)
$0
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases. See Rates and Fees.

Compare up to 4 providers

Updated July 16th, 2019
Name Product Welcome offer Rewards Annual fee Filter values
$150 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
3% cash back bonus on up to $10,000 in the first 12 months, then 1.5%
3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases
$0
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases. See Rates and Fees.
$150 after spending $1,000 in the first 3 months
1.5% cash back on all purchases
$0
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
60,000 points after spending $5,000 in your first 3 months
5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & fees

Compare up to 4 providers

Name Product Filter values Rewards Purchase APR Annual fee
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.99% to 26.99% variable
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 15.24% to 26.24% variable)
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
See Rates & Fees
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months. Rates & fees
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 15.24% to 26.24% variable)
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.99% to 26.99% variable
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees

Compare up to 4 providers

Name Product Filter values Rewards Purchase APR Annual fee
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.99% to 26.99% variable
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
2x miles at US restaurants and on direct Delta purchases and 1x miles on all other purchases
17.99% to 26.99% variable
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & fees
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
See Rates & Fees
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months. Rates & fees
12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.99% to 26.99% variable
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases
16.24% to 25.74% variable
$0
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees

Compare up to 4 providers

Name Product Foreign transaction fee Annual fee Purchase APR Filter values
None
$0
17.99% to 26.99% variable
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
None
$0
15.24% to 26.24% variable
Build your credit with no fees: Apply if you're new to credit or have a fair to good score.
None
$0
0% intro for the first 12 months (then 15.24%, 19.24% or 25.24% variable)
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases. See Rates and Fees.
None
$550
N/A
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & fees
None
$250
See Rates & Fees
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months. Rates & fees

Compare up to 4 providers

Name Product Annual fee Balance transfer APR Purchase APR Filter values
$0
17.99% to 26.99% variable
17.99% to 26.99% variable
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
$0
17.99% to 26.99% variable
17.99% to 26.99% variable
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & fees
$0
0% intro for the first 15 months (then 15.24% to 26.24% variable)
0% intro for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
$0
0% intro for the first 15 months (then 15.24% to 26.24% variable)
0% intro for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
$0
0% intro for the first 12 billing cycles (then 16.24% to 25.74% variable)
16.24% to 25.74% variable
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees

Compare up to 4 providers

%
Name Product Amount Saved Balance transfer APR Balance transfer fee Recommended minimum credit score Filter values
0% intro for the first 15 months (then 15.24% to 26.24% variable)
$5 or 3% of the transaction, whichever is greater
680
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
0% intro for the first 18 months (then 13.24%, 17.24% or 21.24% variable)
$10 or 4% of the transaction, whichever is greater
670
An 18 months 0% intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
0% intro for the first 15 months (then 15.24% to 26.24% variable)
$5 or 3% of the transaction, whichever is greater
680
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
0% intro for the first 12 months (then 15.24%, 19.24% or 25.24% variable)
$10 or 4% of the transaction, whichever is greater
670
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases. See Rates and Fees.
0% intro for the first 12 months (then 15.24% to 26.24% variable)
$5 or 3% of the transaction, whichever is greater
680
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees

Compare up to 4 providers

Buy now, pay later: 0% intro APR credit cards

You can save on interest with a card that offers 0% APR on your purchases for the first 12 to 15 months after you open your account.

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.

Earn rewards as you spend: Cashback and travel cards

Reward your own generosity this Christmas with cash back, points or miles on your purchases.

Cashback cards are often the simplest reward cards, offering statement credits or account deposits based on your spending. Cards offering points or miles are more complicated but potentially more powerful. Many cards offer flexible rewards for redemption toward travel perks, gift cards, merchandise, events and statement credits.

What are cashback credit cards and how do they work?

Get rewarded for holiday groceries: Cards for everyday purchases

Many cards are designed to offer exceptional rewards on food and supplies you purchase at grocery stores. You can often earn up to 6% back — a tremendous bonus when you’re the one hosting the holiday party.

What’s more, these everyday cards aren’t just useful for the holiday season: They pay those same dividends over the rest of the year.

Get rewarded for eating out this holiday season: Dining cards

If you plan to treat visiting friends and family to scrumptious feasts outside the home this holiday season, consider a card that rewards you for dining where you live and on the road. Look for rewards rates of 4% or more on fine dining, fast food, coffee and treats, even food trucks.

Epicureans who spend a lot eating out can earn cash back and benefits well beyond the Christmas season.

Save on overseas shopping: Cards with no foreign transaction fees

Traveling abroad for the holidays — or have somebody on your list with a taste for overseas goods? A card that waives foreign transaction fees might help you keep your Christmas costs down. These fees can equal 2% to 3% of your transaction.

Simply use your card to save on overseas spending or online at international retailers.

Shop without the frills: Cards with no annual fee

If you don’t need all the trimmings this Christmas, consider a practical card with a $0 annual fee.

Manage Christmas debt: Balance transfer cards

If your Christmas wish is to better manage your debt in the new year, start your search for a balance transfer card.

These cards are designed to help you consolidate your existing debt, offering an intro low or 0% APR — typically for 12 to 21 months — on balances you transfer to your new account. At the end of the introductory period, your card reverts to a higher ongoing interest rate that applies to any debt you haven’t yet paid off.

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.

Already have a credit card?

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.

Learn more about your credit card’s interest grace period by reading the terms and conditions, looking for a section like:

How does credit card interest work?

Getting a new credit card for Christmas?

If you’re applying for a new card, plan how you’ll use it and how you’ll ultimately pay off your debt.

To pay off purchases over a long low- or no-interest period, compare credit cards offering introductory APRs. If you’re confident you can repay what you owe in the interest grace period, consider a card that offers miles, points or other rewards on your spending.

By knowing your goals, you’re better positioned to narrow down the perfect card for your needs.

How do I compare Christmas credit card offers?

family shopping with credit card on Christmas day

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.
  • 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.

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.

  • Put away your cards. Maybe not forever, but perhaps until after you’ve paid off your cards. Avoiding additions to your balance makes it easier to avoid unnecessary interest.
  • 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.
  • Find extra money. If your budget is stretched more than you’d like, look for ways to make extra bucks. Sell unused items in your home, rent out a spare room or start a side gig.
  • 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 that can get you back on your feet more quickly.

Bottom line

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.

Frequently asked questions

Pictures: Shutterstock

Back to top
Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site