Credit Cards to Save on Holiday Shopping 2016

Advertising Disclosure is an independent, advertising-supported web site. receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. has not reviewed all available credit card offers in the marketplace.


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

Food & Gifts
Home & Decor
Americans plan to spend $1,175 during 2016 holiday shopping season 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!

New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
Intro APR
0% (14 months)
Ongoing APR
11.99% - 23.99% Variable
Annual Fee
at Amazon and a number of department stores
$75 on the first $1,500 and $3.00 on $300
Rewards are doubled at the end of your first year

Redeem Rewards at for Holiday Presents

Amazon has partnered with major banks to allow its customers to pay with points when they shop online at The partners of the program are 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 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 for gifts for men, women or kids or gift cards from more than 160 retailers including Macy's, Kohl's, Sears and many more.

Woman`s Bag
$1 Cashback Bonus = $1 to spend at

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. Mastercard cardholders can have the terms of the manufacturer's warranty extended based on the program of a particular Mastercard.

Return Policy

Many issuers refund the purchase price if the original store does not accept the return. Mastercard cardholders can be eligible for a refund of the cost of the product up to $250 if the store does not accept a return within 60 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 for informational purposes only and it is not provided or sponsored by any of our partners. The results provided by this content are hypothetical. 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.
Add to Favorites:
Get the latest news, articles and expert advice delivered to your inbox. It's FREE

Related Research:

Research: How to Subdue Wedding Expenses and Earn up to $1,000 for Honeymoon

How to Subdue Wedding Expenses and Earn up to $1,000 for Honeymoon

By Angela Rose, Posted: June 21, 2017

Whether you are married or not, we all agree that marriage is incredibly important for a person. It signifies the beginning of two people as a team, as a family, of a long commitment. It is a newly born union and the sign of your choice, decision and the fact that your care.

Continue reading
Research: How to Save Money. Best Credit Card Deals and Tips.

How to Save Money. Best Credit Card Deals and Tips.

By admin, Posted: June 20, 2017

We all've been through or may find ourselves in such an emergency when money is needed immediately. Lucky you are if you have savings for unexpected expenses. If not, it's never too late to start saving money. There are different ways to save money and below we offer you some of the best practices. Read up on our tips and find your best way to save money.

Continue reading
Research: How the Fed Rate Rise Impacts Credit Cards

How the Fed Rate Rise Impacts Credit Cards

By Credit-Land, Posted: June 20, 2017

Recently, the Federal Reserve hiked its benchmark rate by a quarter percentage point, as a result, you could see a rise of the interest rates on your credit cards by 0.25%. That was the first hike of the key rate in 2017 and the Fed expects to make two further rate rises this year.

Continue reading