Credit Cards to Save on Holiday Shopping 2016

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November and December are the busiest months as gift shopping reaches its peak. People rush around looking for the best gifts and the best deals leaving a lot of money in the shops. Holiday season may force you to go over the household budget. However, it is possible to be on budget even if you need to buy gifts for whole your big family, friends, and pets. There are different tricks and ways to save on holiday shopping, and a credit card is one of them. Read below what are the key holiday shopping dates and how to save money with credit card during holiday shopping season.

Key Holiday Shopping Dates Calendar 2016

BEST TIME TO BUY
Electronics
Apparel
Food & Gifts
Toys
Home & Decor
Books
Americans plan to spend $1,175 during 2016 holiday shopping season
Amazon.com is one of the most popular stores to buy presents
Black Friday and Cyber Monday are two of the most popular shopping days

Holiday shopping season is time when you can take advantage of various limited-time deals. But before you start your deal hunting, check out your credit card or a get new rewards credit card to make sure you will get maximum savings out of your holiday shopping spree.

Earn Cash Back on Gifts During Holiday Shopping

Putting all your gift purchases on a cash rewards credit card is one of the best ways to maximize your savings during holiday shopping season and maintain your budget. A common cash back credit card will bring 1% or 2% cash back on all your purchases. But if you choose a credit card with rotating shopping categories, your savings can be up to 5%. For example, Discover it® - Cashback Match™ card gives 5% cashback bonus in shopping categories that change every quarter. The Discover's holiday season shopping category, that is active from October through December, allows you to earn 5% back when you shop at major department stores. Once you sign up, all purchases made in this category will earn 5% cashback bonus on up to $1,500 in purchases. Don't miss the opportunity to earn more on Black Friday Deals!

Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
Intro APR
0% (14 months)
Ongoing APR
11.49%23.49% Variable
Annual Fee
$0
spend
$1,800
at Amazon and a number of department stores
earn
$78
$75 on the first $1,500 and $3.00 on $300
match
$156**
Rewards are doubled at the end of your first year

Redeem Rewards at Amazon.com for Holiday Presents

Amazon has partnered with major banks to allow its customers to pay with points when they shop online at Amazon.com. The partners of the program are Amazon.com Rewards Visa, Membership Rewards Program from American Express, Chase Ultimate Rewards, Citi ThankYou Rewards, Cashback Bonus from Discover, and Miles by Discover. If you are a member of one of those programs, you can easily use points to pay for an order at Amazon.com in the same way you would with any other payment method. You can choose to pay for all or part of your purchase with points when you are at checkout.

Spend Discover cash rewards at Amazon.com for gifts for men, women or kids or gift cards from more than 160 retailers including Macy's, Kohl's, Sears and many more.

 Watches
$90.99
Woman`s Bag
$50.99
Headphones
$129
Lego
$34
$1 Cashback Bonus = $1 to spend at Amazon.com

Use Shopping Portals for Online Purchases

Another good way to maximize your savings is to use shopping portals that are run by major banks and credit card issuers. Discover, Citi, Chase and American Express, they all have such portals to offer their members more ways to save on their online shopping. Often, members are able to double or even triple their savings by simply buying things through shopping portals. For example, with Discover it® - Cashback Match™ credit card you'll also have access to Discover Deals, where cardholders can save from 5% to 25% on specific purchases.

Enjoy Credit Card's Extra Perks and Protection

Cash back and points rewards are on the top of credit cards perks, but if you dig into the subject, you will see that your card can offer you much more than that. Today any credit card comes with such standard benefits like zero fraud liability and purchase protection. Here we outline some of them for you.

Purchase Protection

The issuer of the card can cover your purchase up to a specific amount if it is damaged or stolen. For example, Discover covers up to $500 of your eligible purchases.

Extended Product Warranty

Your credit card issuer can extend the terms of an existing warranty. Discover extends eligible warranties for up to 1 additional year on warranties of 36 months or less.

Return Policy

Many issuers refund the purchase price if the original store will not accept the return. For example, Discover refunds up to $500 on eligible items if the store will not accepts return within 90 days of purchase.

Fraud protection

Banks are always on their guard. They secure credit card accounts in any possible way. Discover, for instance, monitors every Discover card purchase, guarantees $0 fraud liability and send alerts if something looks unusual.

** Savings may vary depending on the product and offer.
The content is designed by Credit-Land.com for informational purposes only and it is not provided or sponsored by any of our partners. The results provided by this content are hypothetical. Credit-Land.com is not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided.

All rates and fees, and other terms and conditions of the products mentioned in the article are actual as of the last update date but are subject to change. Click “Apply” button to see the current product’s Terms & Conditions on the bank’s website.
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