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Christmas Gift Ideas Guide 2025

The content is accurate at the time of publication and is subject to change.

Citi is a Credit-Land.com advertising partner.

This content is not provided by Citi. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the Citi.

The most wonderful time of the year is upon us, so we can say that it's officially time to start looking for the best holiday gifts for those on your Christmas list.

If the holiday spirit has already taken hold and you're rushing to do your holiday shopping, this handy list of versatile gifts is perfect for a wide variety of people and, best of all, they can all be delivered straight to your doorstep.

Best Christmas Gifts Under $50 for Everyone on Your List

The thought of holiday shopping brings both excitement and a touch of panic. Here are some useful, surprising, and fun finds from our experts to help you make your choice without stress. So, whether you need a gift for your closest relatives, a co-worker, or let's be honest, yourself, we hope that a few of these end up in your basket or your personal shopping list.

When choosing a gift, think about what the person likes and the kind of things he or she can really make use of. Whatever you choose, just make sure to put some love and thought into it. They'll appreciate that.

Please note that while we made every effort to confirm that all the gifts in this guide are under $50, prices can change a bit, especially around the holidays.

Xmas present ideas at a glance

Custom Christmas Gifts

Something custom-made for your recipient can go a long way toward making them feel especially loved. So, we gathered some personalized Xmas gifts you can buy online, including a make-your-own Funko Pop mini figure of your loved one and a Moleskine notebook you can fashion with initials, symbols, and even Christmas wishes.

Funko Pop toys

Moleskine notebook

Who's it for: A fancy co-worker sitting site by site



If you're shopping for someone whose family is constantly juggling schedules and to-do lists, a magnetic calendar could be their much-needed ally. A planner is a versatile tool for keeping modern family life organized and in harmony. When buying, consider models that offer both a monthly and weekly view, dedicated space for notes or groceries, and come with a variety of colored dry-erase markers to color-code different family members or activity types.

Magnetic Acrylic Calendar

Who's it for: Relatives who are always making plans



Affordable Christmas Gifts

Lego fans of all ages will enjoy one of many unique adult building sets from the LEGO Botanicals Collection. Artificial Plant is a thoughtful present perfect for any occasion that never withers.

Flower Bouquet Building Set

Lucky Bamboo Building Set

Who's it for: The new girlfriend



Super easy and small AirTags use Apple's huge network of devices to find everything from lost luggage to lost pets, pinpointing the precise location with impressive accuracy. Those who enjoy traveling, moms with kids, and folks with furry friends won't remain indifferent to such a gift. One item or 4 pack - currently available at a good discount.

Apple AirTags

Who's it for: The frequent flyer



Such unusual Xmas gifts will undoubtedly delight and please those who are always fixing, tweaking, and repairing things. A multi-bit screwdriver can help with loose hinges, toy batteries, and wobbly door handles, all on the fly. Select the product that has a comfortable-to-hold handle, a good bit selection, and a nice ratcheting action from the vast selection of products available on marketplaces.

Multi-Bit Screwdriver

Who's it for: For a handyperson



Since nearly three in four Americans consume coffee daily and cannot imagine their life without morning hot brew, the tumbler that gets you through the day feels like a no-brainer.

YETI Rambler 30 oz Tumbler

Who's it for: The caffeinated dad



The Best White Elephant Gifts

If you'd rather not give ridiculous white elephant gifts to whoever you're playing with, you've come to the right place. Whether your budget is $15, $25, or even $50, below are truly good white elephant gift ideas.

Whirley Pop Popcorn Maker

Who's it for: Good for anyone gift

Hilarious games, puzzles, or building blocks are equally fun for adults and kids. No lengthy instructions or fiddly bits - jump straight into a game and enjoy. Jenga-like, the Fuzzies players carefully remove fuzzy balls from the tower using tweezers, place them atop the pile, and hope the whole thing doesn't topple. A 6-year-old will enjoy this game, as will most 40+-year-olds.

The Fuzzies Family Party Game

Who's that for: Fans of family party games

Where to buy Christmas presents?

Diverse Christmas gift ideas and Xmas lists for every budget are available from well-known retailers like Amazon, Walmart, Target, Best Buy, etc. Almost anything you need can be found in stores or online, including daily essentials, trendy new gadgets, and surely this season's most coveted gifts for family and friends, as well as white elephant gift ideas that make your friends or coworkers fun.

Thus, whether you're a shopper of convenience or just like knowing that your presents will arrive fast, there are numerous good reasons to do your holiday shopping at major chains.

How to pay for your gifts?

During the holiday season, using the right credit card can help you offset expenses and earn rewards on purchases you would make anyway, provided you plan your spending and pay off your balance in full. The best credit card depends on what type of holiday shopping you plan on doing. You can buy gifts with a credit card at most retailers, both online and in physical stores.

It's smart to consider credit cards with rotating bonus categories or with categories of your choice that often include major retailers or online shopping. Such cards allow you to earn more rewards in specific categories this month or this quarter. Just keep in mind that you usually need to activate such categories with higher rewards each month or each quarter. Otherwise, those categories will earn basic rewards offered by the card.

The holidays involve significant spending on groceries and dining out. Using a card that offers accelerated rewards in these categories can quickly build up points or cash back for future use. The Bank of America® Customized Cash Rewards credit card , for instance, offers 6% cash back (3% cash back + 3% first-year cash back bonus) in the category of your choice for the first year, like gas, dining, or online shopping, 2% at grocery stores/wholesale clubs, and 1% on everything else, with a $2,500 quarterly cap on bonus categories.

For all other purchases, a flat-rate cash back card, such as the Citi Double Cash® Card, which earns 2% cash back (1% when you buy, plus 1% as you pay), can ensure you are always earning rewards. Plus, it offers to earn 5% total cash back on hotels, car rentals and attractions booked with Citi Travel.

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Excellent, Good Credit

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Intro APR on Purchases
N/A
Intro APR on Balance Transfer
0% (18 months on Balance Transfers)
Regular APR
18.49% - 28.74% (Variable)
Balance Transfer Fee
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)
Annual Fee
$0
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.74%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

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$200 Cash Back

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Rewards

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.

Redemption Options

Redeem your points for cash back as a statement credit, direct deposit or check. Or explore other ways to redeem points including for gift cards, travel and Shop with Points at Amazon.comµ

Your points do not expire as long as your account remains open.µ

0% Intro APR on Balance Transfers

Intro APR on Balance Transfers:
0% (18 months on Balance Transfers)

Ongoing APR on Balance Transfers:
18.49% - 28.74% (Variable)

Balance Transfer Fee:
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)

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Average, Fair, Limited Credit

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Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
29.24% (Variable)
Balance Transfer Fee
Balance Transfer Fee applies to balances transferred at a promotional rate
Annual Fee
$39
  • Click "APPLY ONLINE" to apply now
  • Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
  • No rotating categories or limits to how much you can earn, and you can use your cash back for any amount–get gift cards, cover purchases or redeem for cash. Plus, rewards don’t expire for the life of the account
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help strengthen your credit for the future with responsible card usage
  • Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Earn 8% cash back on Capital One Entertainment purchases with your SavorOne Card and enjoy exclusive access and cardholder perks
  • Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
  • Capital One SavorOne cardholders can pay with their rewards via PayPal Pay with Rewards and at Amazon.com
  • Top rated mobile app

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Rewards

Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases

Earn 8% cash back on Capital One Entertainment purchases with your SavorOne Card and enjoy exclusive access and cardholder perks

Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel

Redemption Options

Redeem your cash back for any amount.µ

Rewards don’t expire for the life of the account

Foreign Transaction Fee: None

Use this card everywhere Mastercard cards are accepted (subject to available credit)

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Intro APR on Purchases
0% introductory APR on purchases for 12 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness.
Intro APR on Balance Transfer
0% introductory APR on balance transfers for 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your creditworthiness. Balance transfers must be completed within the first 90 days of account opening.
Regular APR
18.49% - 28.49% variable APR based on your credit worthiness.
Balance Transfer Fee
Intro fee of either $5 or 3% of the amount of each transfer*, whichever is greater, on transfers made within the first 90 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
Annual Fee
None
  • Special Offer: 0% intro APR on balance transfers for 15 billing cycles and on purchases for 12 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness. Balance transfers must be completed within the first 90 days of account opening.
  • Bonus Cash Back: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.
  • Earn 3% and 2% Cash Back on your choice of Spend Categories. Plus, you can switch your categories quarterly. Earn 1% Cash Back on other eligible purchases.
  • Switch spend categories up to four times a year.​
  • No annual fee
  • Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card.
  • Contactless Payments/Digital Wallet
  • Instant credit card replacement
  • Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
  • *Read terms and conditions for important information about rates, fees, eligible purchases, balance transfers and program details.

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$200 Cash Back

Bonus Cash Back: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.

Rewards

Earn 3% and 2% Cash Back on your choice of Spend Categories. Plus, you can switch your categories quarterly. Earn 1% Cash Back on other eligible purchases.

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% introductory APR on purchases for 12 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness.

Intro APR on Balance Transfers:
0% introductory APR on balance transfers for 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your creditworthiness. Balance transfers must be completed within the first 90 days of account opening.

Ongoing APR:
18.49% - 28.49% variable APR based on your credit worthiness.

Balance Transfer Fee:
Intro fee of either $5 or 3% of the amount of each transfer*, whichever is greater, on transfers made within the first 90 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.

Annual Fee: None

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Intro APR on Purchases
0% intro APR for 12 months from account opening on purchases
Intro APR on Balance Transfer
0% intro APR for 12 months from account opening on qualifying balance transfers
Regular APR
18.74%, 24.74%, or 28.74% Variable APR
Balance Transfer Fee
3% intro for 120 days from account opening, then up to 5%, min: $5
Annual Fee
$0
  • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
  • Earn a $100 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.74%, 24.74%, or 28.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

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$100 Cash Rewards

Earn a $100 cash rewards bonus after spending $500 in purchases in the first 3 months.

Rewards

Earn unlimited 2% cash rewards on purchases.

Redemption Options

Redeem rewards for purchases, credits to your account, gift cards and more.

Cash rewards don't expire as long as your account remains open

Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% intro APR for 12 months from account opening on purchases

Intro APR on Balance Transfers:
0% intro APR for 12 months from account opening on qualifying balance transfers

Ongoing APR:
18.74%, 24.74%, or 28.74% Variable APR

Balance Transfer Fee:
3% intro for 120 days from account opening, then up to 5%, min: $5

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our choice

Intro APR on Purchases
0% introductory APR on purchases for 12 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness.
Intro APR on Balance Transfer
0% introductory APR on balance transfers for 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness. Balance transfers must be completed within the first 90 days of account opening.
Regular APR
18.49% - 28.49% variable APR based on your credit worthiness.
Balance Transfer Fee
Intro fee of either $5 or 3% of the amount of each transfer*, whichever is greater, on transfers made within the first 90 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
Annual Fee
None
  • NEW AND IMPROVED: 0% intro APR on balance transfers for 15 billing cycles and on purchases for 12 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness. Balance transfers must be completed within the first 90 days of account opening.
  • Bonus Cash Back: Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.
  • Earn unlimited 2% Cash Back on all eligible purchases
  • No reward categories, no caps, no worries.​
  • Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
  • No annual fee
  • Contactless Payments/Digital Wallet
  • Instant credit card replacement
  • Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
  • *Read terms and conditions for important information about rates, fees, eligible purchases, balance transfers and rewards program rules.

our choice

$200 Cash Back

Bonus Cash Back: Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.

Rewards

NEW AND IMPROVED: 0% intro APR on balance transfers for 15 billing cycles and on purchases for 12 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness. Balance transfers must be completed within the first 90 days of account opening.

Bonus Cash Back: Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.

Earn unlimited 2% Cash Back on all eligible purchases – no rotating Spend Categories, no caps or limits as long as your credit card account is open and in good standing.

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% introductory APR on purchases for 12 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness.

Intro APR on Balance Transfers:
0% introductory APR on balance transfers for 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness. Balance transfers must be completed within the first 90 days of account opening.

Ongoing APR:
18.49% - 28.49% variable APR based on your credit worthiness.

Balance Transfer Fee:
Intro fee of either $5 or 3% of the amount of each transfer*, whichever is greater, on transfers made within the first 90 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.

Annual Fee: None

If you need time to pay off your expenses, such as those incurred during the Christmas season, it's best to consider credit cards with a 0% intro APR offer. If you use a 0% intro APR credit card responsibly, you can pay off those holiday purchases over time typically 6 to 21 months, depending on the card you choose. You must still make at least the minimum monthly payment by the due date every month to avoid late fees, a penalty APR, and even immediate cancellation of your 0% promotional rate.

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Intro APR on Purchases
0% (15 months on Purchases)
Intro APR on Balance Transfer
0% (15 months on Balance Transfers)
Regular APR
18.74% - 28.74% (Variable)
Balance Transfer Fee
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.
Annual Fee
$0
  • Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
  • 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
  • Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
  • Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
  • No Annual Fee

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20,000 ThankYou® Points

Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.

Rewards

Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.

Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.

Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.

Redemption Options

Redeem ThankYou® Points for gift cards, travel rewards, shop with points and moreµ

Your Points won't expire.µ

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% (15 months on Purchases)

Intro APR on Balance Transfers:
0% (15 months on Balance Transfers)

Ongoing APR:
18.74% - 28.74% (Variable)

Balance Transfer Fee:
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.

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Excellent / Good Credit

our choice

Intro APR on Purchases
0% introductory APR on purchases for 12 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness.
Intro APR on Balance Transfer
0% introductory APR on balance transfers for 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your creditworthiness. Balance transfers must be completed within the first 90 days of account opening.
Regular APR
18.49% - 28.49% variable APR based on your credit worthiness.
Balance Transfer Fee
Intro fee of either $5 or 3% of the amount of each transfer*, whichever is greater, on transfers made within the first 90 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
Annual Fee
None
  • Special Offer: 0% intro APR on balance transfers for 15 billing cycles and on purchases for 12 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness. Balance transfers must be completed within the first 90 days of account opening.
  • Bonus Cash Back: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.
  • Earn 3% and 2% Cash Back on your choice of Spend Categories. Plus, you can switch your categories quarterly. Earn 1% Cash Back on other eligible purchases.
  • Switch spend categories up to four times a year.​
  • No annual fee
  • Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card.
  • Contactless Payments/Digital Wallet
  • Instant credit card replacement
  • Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
  • *Read terms and conditions for important information about rates, fees, eligible purchases, balance transfers and program details.

our choice

$200 Cash Back

Bonus Cash Back: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.

Rewards

Earn 3% and 2% Cash Back on your choice of Spend Categories. Plus, you can switch your categories quarterly. Earn 1% Cash Back on other eligible purchases.

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% introductory APR on purchases for 12 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness.

Intro APR on Balance Transfers:
0% introductory APR on balance transfers for 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your creditworthiness. Balance transfers must be completed within the first 90 days of account opening.

Ongoing APR:
18.49% - 28.49% variable APR based on your credit worthiness.

Balance Transfer Fee:
Intro fee of either $5 or 3% of the amount of each transfer*, whichever is greater, on transfers made within the first 90 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.

Annual Fee: None

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Intro APR on Purchases
0% intro APR for 21 months from account opening on purchases
Intro APR on Balance Transfer
0% intro APR for 21 months from account opening on qualifying balance transfers
Regular APR
17.74%, 24.24%, or 28.49% Variable APR
Balance Transfer Fee
5%, min: $5
Annual Fee
$0
  • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.74%, 24.24%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
  • $0 annual fee.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
  • Rates & Fees

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Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% intro APR for 21 months from account opening on purchases

Intro APR on Balance Transfers:
0% intro APR for 21 months from account opening on qualifying balance transfers

Ongoing APR:
17.74%, 24.24%, or 28.49% Variable APR

Balance Transfer Fee:
5%, min: $5

Annual Fee: $0

Use this card everywhere Visa cards are accepted

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Excellent / Good Credit

our choice

Intro APR on Purchases
0% introductory APR on purchases for 12 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness.
Intro APR on Balance Transfer
0% introductory APR on balance transfers for 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness. Balance transfers must be completed within the first 90 days of account opening.
Regular APR
18.49% - 28.49% variable APR based on your credit worthiness.
Balance Transfer Fee
Intro fee of either $5 or 3% of the amount of each transfer*, whichever is greater, on transfers made within the first 90 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
Annual Fee
None
  • NEW AND IMPROVED: 0% intro APR on balance transfers for 15 billing cycles and on purchases for 12 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness. Balance transfers must be completed within the first 90 days of account opening.
  • Bonus Cash Back: Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.
  • Earn unlimited 2% Cash Back on all eligible purchases
  • No reward categories, no caps, no worries.​
  • Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
  • No annual fee
  • Contactless Payments/Digital Wallet
  • Instant credit card replacement
  • Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
  • *Read terms and conditions for important information about rates, fees, eligible purchases, balance transfers and rewards program rules.

our choice

$200 Cash Back

Bonus Cash Back: Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.

Rewards

NEW AND IMPROVED: 0% intro APR on balance transfers for 15 billing cycles and on purchases for 12 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness. Balance transfers must be completed within the first 90 days of account opening.

Bonus Cash Back: Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.

Earn unlimited 2% Cash Back on all eligible purchases – no rotating Spend Categories, no caps or limits as long as your credit card account is open and in good standing.

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% introductory APR on purchases for 12 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness.

Intro APR on Balance Transfers:
0% introductory APR on balance transfers for 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness. Balance transfers must be completed within the first 90 days of account opening.

Ongoing APR:
18.49% - 28.49% variable APR based on your credit worthiness.

Balance Transfer Fee:
Intro fee of either $5 or 3% of the amount of each transfer*, whichever is greater, on transfers made within the first 90 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.

Annual Fee: None

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Intro APR on Purchases
0% intro APR for 12 months from account opening on purchases
Intro APR on Balance Transfer
0% intro APR for 12 months from account opening on qualifying balance transfers
Regular APR
18.74%, 24.74%, or 28.74% Variable APR
Balance Transfer Fee
3% intro for 120 days from account opening, then up to 5%, min: $5
Annual Fee
$0
  • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
  • Earn a $100 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.74%, 24.74%, or 28.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

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$100 Cash Rewards

Earn a $100 cash rewards bonus after spending $500 in purchases in the first 3 months.

Rewards

Earn unlimited 2% cash rewards on purchases.

Redemption Options

Redeem rewards for purchases, credits to your account, gift cards and more.

Cash rewards don't expire as long as your account remains open

Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% intro APR for 12 months from account opening on purchases

Intro APR on Balance Transfers:
0% intro APR for 12 months from account opening on qualifying balance transfers

Ongoing APR:
18.74%, 24.74%, or 28.74% Variable APR

Balance Transfer Fee:
3% intro for 120 days from account opening, then up to 5%, min: $5

If December crept up on you, don't fret. You still have enough time to find the best gifts for everyone. And if you haven't ventured into earning credit card rewards yet, this holiday season is the perfect time to start.

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What is the best credit card for shopping online?

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The type of credit card that you should use to complete the purchases is going to be based on why you are choosing to use a credit card to complete your purchase. If you are using a credit card because you don't have...

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In a few weeks, I plan on purchasing Christmas gifts from Bath and Body Works. The purchase will be expensive and I was hoping to put the purchase on a Bath and Body credit card, but I can’t find a Bath and Body credit card application anywhere. What type of card should I use for this purchase?

The type of card that would be best for you to use would vary based on your overall intentions for wanting to use a credit card. Let's say you are only using a credit card because you don't have all the cash together...

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Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions. All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

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