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The 6 Best Credit Cards for the Holidays

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The 6 Best Credit Cards for the Holidays


The 6 Best Credit Cards for the Holidays
Photo by Zivica Kerkez / Shutterstock.com

Money Talks News has partnered with CardRatings for our coverage of credit card products. Money Talks News and CardRatings may receive a commission from card issuers.

Everyone’s holiday season plays out differently. Maybe you’re a big shopper, or maybe you run a business that requires additional supplies this season. Maybe your M.O. is to travel and get away from all the frenzy. Or, maybe a couple of these things apply. That’s why we have scoured the universe of credit cards to find those best suited to different needs.

For shoppers: Save on holiday gifts and more

Capital One Quicksilver Cash Rewards

Capital One

Why we like it: This card is a super straightforward offer for people looking to save on holiday expenses. Its terms are very competitive with those of the Chase Freedom card (below), with an introductory bonus of $150 after spending an initial $500 in the first three months of opening the account and other cash-back features, but no rotating categories to keep track of.

More highlights:

  • 1.5% cash back on every purchase — no limit.
  • Pay 0% APR on purchases for introductory period of 15 months.
  • Pay 0% APR on balance transfers for a 15-month introductory period. (Note: An initial 3% fee applies to balance transfer.)
  • No annual fee or foreign transaction fees.
Click here for more details and to compare this offer with others.

Chase Freedom

Chase

Why we like it: This card offers an uncomplicated way for frugal shoppers to save some money during the holiday season. First, it offers an introductory bonus of $150 after you spend $500 within the first three months of having the card.

But there’s more:

  • Each quarter, get 5% cash back on up to $1,500 worth of combined purchases in bonus categories, with new categories each quarter. This quarter, bonus categories include department stores, Paypal and Chase Pay — perfect, again, for gift shopping.
  • Rack up 1% cash back on all other purchases, unlimited for the life of the account.
  • 0% introductory APR on purchases and balance transfers for the first 15 months.
  • No annual fee.
Click here for more details and to compare this offer with others.

Pro tip: You can use your rewards from this card for travel if you also have a Chase Sapphire card. Read on.

For travelers: Rack up rewards and hit the road

Chase Sapphire Preferred

Chase

Why we like it: This card rakes in a whopping 60,000 points as a welcome bonus (worth $750 on purchases through Chase Ultimate Rewards) after you spend $4,000 within the first three months of opening the account. This is really a great deal — even after the card’s annual fee — assuming this level of spending is within your budget and you pay off the balance each month.

More highlights:

  • Earn 2 points for each dollar spent on travel and dining, and 1 point per dollar on all other purchases with this card.
  • No foreign transaction fees.

Combine your Chase card rewards: Between the introductory bonus and double points for your travel expenses, this card can take you far on your adventures. And if you have a Chase Freedom card, you go even farther — by transferring the rewards points earned on it to this card.

Note: This card has a $95 annual fee.

Click here for more details and to compare this card with other offers.

Marriott Bonvoy Boundless

Visa

Why we like it: If you’re a traveler who relishes good deals on good hotels, this offer is for you. This card rakes in 100,000 bonus points after hitting a spending threshold of $5,000 within the first three months, and then it just continues to reward the cardholder.

More highlights:

  • Earn 6 bonus points per dollar spent at hotels in Marriott’s massive network. The options for this rewards program are stunning, especially after a recent merger between Marriott and International Hotel Group. Under this umbrella are the Ritz-Carlton chain, W Hotels, Westin hotels, Courtyard hotels, Residence Inns and many more.
  • Earn 2 bonus points per dollar on every other purchase with this card.
  • Get a free room on every anniversary

Note: This card has a $95 annual fee.

Click here for details and to compare this card with other offers.

Business owners: Get rewarded for your expenses

Ink Business Preferred

Visa

Why we like it: For business owners, even if it’s just a modest side gig, this card is a great way to cover an uptick in costs for supplies, entertaining and other holiday-related expenses — and rake in travel rewards.

More highlights:

  • Earn 80,000 bonus points after spending $5,000 on this card within the first three months. (That’s worth $1,000 in travel when redeemed through Chase Ultimate Rewards!)
  • Earn 3 points for every dollar spent on up to $150,000 in travel expenses and select business costs each year.
  • Earn 1 point per dollar for all purchases beyond that.
  • Get additional employee cards at no additional cost.
  • No foreign transaction fees.

Note: This card has a $95 annual fee.

Click here for more details and to compare this card to other offers.

Ink Business Cash

Visa

Why we like it: If you a business owner who would rather convert your expenses into savings check out this cash-back card, which offers you a $500 cash bonus when you spend $3,000 within the first three months of opening the account. It doesn’t take long — even for most small businesses — to run up that much in expenses on essentials.

More highlights:

  • Get 5% cash back for up to $25,000 worth of expenditures at office supply stores and essentials such as phone service, cable and internet each year.
  • Get 2% cash back on restaurants and gas stations for combined purchases up to $25,000 each year, and 1% cash back on all other card purchases, with no limit.
  • Pay 0% APR on purchases for the first 12 months.
  • No annual fee.
Click here for more details and to compare this card with other offers.

How do you use credit cards and rewards? Share with us in comments below or on our Facebook page.

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