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Thanksgiving is coming, and whether you are hosting your Thanksgiving dinner, coming as a guest, or travel for Thanksgiving, your spending is going to accumulate faster than you can notice. A holiday feast is a costly matter - each year, Americans spend more and more on Thanksgiving dinner. Those who intend to travel on Thanksgiving are going to spend even more: somewhere from $500 to $2,000 or more.
However, you can turn costs into profits if you have the right rewards credit card. Grocery shopping for Thanksgiving can be a lot of fun, and you can count rewards instead of debts if you have a credit card for grocery shopping. Those who are visiting cozy small hometowns or plan to escape to white-sand beach resorts can find travel credit cards more rewarding and beneficial. Check out the cards you'll say thanks to during your Thanksgiving shopping quest below.
Best Credit Cards for Grocery Shopping
Discover it® Cash Back
This card offers a simple way to save on your Thanksgiving shopping. Discover it® Cash Back is a typical cash back card with rotating categories, which means that each quarter you get increased rewards in certain shopping categories. Enroll in the current 5% cash back shopping category to earn additional cash back on your purchases (up to a quarterly maximum). If you do not enroll, you will earn only 1% cash back on all purchases. One more good thing about cash back is that Discover will match all the cash back you earn for the first year of using the card (provided you are a new cardmember). For example, if you earn $150 cash back, you'll get $300 cash back.
Citi Strata℠ Card
Those who love cooking on Thanksgiving may love the Citi Strata℠ Card: the card earns 3X ThankYou Points at supermarkets, gas stations, select transit, and on an eligible self-select category of your choice. If you decide to go out, you will earn 2X points at restaurants and 1X points on all other purchases. Those who are planning a trip on Thanksgiving can earn 5X ThankYou Points on hotels, car rentals, and attractions booked on cititravel.com. All these rewards-earning opportunities are especially great with no annual fee and 0% intro APR for 15 months on purchases (a go-to variable APR will apply after that), meaning you can save on interest while earning rewards. Furthermore, if you spend $1,000 on purchases with the card within 3 months of account opening, you can earn 30,000 bonus points.
Discover it® Miles
If you think winter is the perfect time for traveling, raise your hands. Ok, we think so too. Grocery shopping can bring you a lot of miles that you can spend on travel, if you apply for the Discover it® Miles. Discover it Miles gives you 1.5x miles on every dollar of every purchase and matches all earned miles at the end of the first year if you are a new cardmember. Thus, if you earn 35,000 miles, you'll get 70,000 miles. So, basically, you get 3 miles per dollar on all your holiday shopping during the first year of the cardmembership. Add here no annual fee and promotional rates, and you can easily maximize your earnings the first year.
Citi Double Cash® Card
If various categories make you feel dizzy and you need simple and straightforward rewards, then the Citi Double Cash® Card can be a good option. This card offers 2% cash back on every purchase with unlimited 1% cash back when you buy, plus an additional 1% back as you pay for those purchases. So this card will basically reward you for purchases and for paying off your balances. And if you plan a small trip on Thanksgiving, check out hotel offers at the Citi Travel portal, as all hotel, car rental, and attraction bookings earn 5% total cash back there. Furthermore, new cardmembers will earn a $200 cash back bonus after spending $1,500 on purchases in the first six months of account opening. That is a good welcome bonus offer for a no annual fee credit card.
TD Cash Credit Card
For those who love taking control of everything, the TD Cash Credit Card may become a perfect option. This card will allow you to choose your 3% and 2% spend categories every quarter; all other purchases will always earn 1% cash back. When you open your card, you will start with 3% cash back on dining and 2% cash back at grocery stores. After that, every quarter, you will be able to choose spending categories from dining, entertainment, gas, grocery stores, and travel. In addition to the ability to choose your top spending categories, you will also earn a welcome bonus of $200 cash back when you spend $1,000 within the first 90 days after account opening. Taking that the card has no annual fee, this is a generous rewards structure.
Citi Strata Premier® Card
This is a good option for those who celebrate Thanksgiving together with their family and therefore need to travel from afar to gather together. The Citi Strata Premier® Card earns 10x points on hotels, car rentals, and attractions booked on CitiTravel.com. Plus, it earns 3x points at gas stations, other hotels and air travel. You will also earn 3x points at restaurants and supermarkets, while all other purchases will earn 1 point per $1 spent. In addition to ongoing rewards, new cardmembers can qualify for the welcome bonus offer of 60,000 bonus ThankYou® Points. You will need to spend $4,000 in purchases within the first 3 months of account opening to qualify. While the Citi Strata Premier® Card has an annual fee, it can be easily offset with rewards and benefits like the $100 Annual Hotel Benefit.
Walmart MoneyCard®
Getting ready for Thanksgiving is full of hustle and bustle, so having helpers is always nice. For Walmart goers, the Walmart MoneyCard can be of great aid. It is a debit card that can be linked to the Walmart app, which will allow you to make purchases without visiting a physical store. Plus, you will earn 3% cash back at Walmart.com (including the Walmart app). Additionally, you can earn 2% cash back at Walmart fuel stations and 1% cash back at Walmart stores. The cash back you earn is capped at up to $75 per year. The Walmart MoneyCard can also help you save more with a 2% APY on savings. So, if you are not into credit cards and shop at Walmart, this card is worth considering.
Get extra savings this Thanksgiving with the most rewarding credit cards
Thanksgiving is the time to spend with your family and friends. However big company you'll gather around the festive table or set off for Thanksgiving travel, costs shouldn't spoil the fun. Fortunately, now you know the way to save this Thanksgiving: pay with rewards credit cards and enjoy turkey and pumpkin pie without any worries about the cost.
