Whether you’re buying gifts for friends and family members or simply trying to squeeze in some last-minute holiday shopping, here are three credit card benefits to use for last-minute shopping. All three cards earn rewards for spending, so you’ll want to look for those that have high rewards rates. Bonus points are especially valuable during the holiday season, but keep in mind that not all purchases qualify. You’ll want to look for a card that earns at least 1% back on non-bonus spending, like the Citi Double Cash Card or Chase Freedom Unlimited (r).
Discover it rewards card
Whether you need a gift for someone on your list or need to make a last-minute purchase, the Discover it rewards card is an excellent choice for holiday shopping. You can redeem your points for retail gift cards at a discounted rate. sealine-products.no The gift cards are worth more than the face value of the cards. For example, if you want to buy a $50 gift card from the Hyatt hotel, you can use your cash back to redeem the certificate. You must redeem the card through a Discover travel agency, however, which may charge a higher price.
Amazon Prime Rewards Visa Signature card
If you shop at Amazon or Whole Foods Market on a regular basis, you’ll want to sign up for the Amazon Prime Rewards Visa Signature Card. You’ll earn 5% cash back on your purchases and have no foreign transaction fees. You can also earn bonus rewards beyond just Amazon purchases with this card. But first, let’s talk about creditworthiness. You should have a credit score of at least 640 or above to qualify for the card’s rewards program.
Sam’s Club Mastercard
Whether you’re shopping for last-minute holiday gifts or stocking stuffers, your Sam’s Club credit card can make your holiday shopping a breeze. The rewards program earns you cash back on many of your purchases and includes no annual fee. You can also use it to shop online and update your account information. You can also check the cash-back balance online to see how much you’ve earned.
If you’re like many consumers, the holiday season is a time to splurge, but if you’re on a budget, there are 3 credit card benefits to use for last minute holiday shopping. The most obvious one is cash back and rewards. While this is great for those who don’t have much money to spare, this benefit can save you a lot of time and money.
Discover it cash back card
Using the Discover it cash back card for last-minute holidays shopping is easy, as it gives you 1% of all purchases as cash back. It also gives you 5% back on your first $1,500 spent in rotating categories. You can manually activate your rewards categories in advance, as much as two months before the quarter starts. You cannot use the rewards retroactively, so make sure to shop early!