Make More Money on Your Holiday Shopping With These 3 Top Credit Cards

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.

While the 2020 holiday season won’t be quite the same as usual — fewer Americans are likely to travel, both for the season and in the near future — most Americans will still be doing some hefty shopping.

That’s a prime opportunity to rack up big credit card rewards in the course of your normal spending. It’s time to ask: Are you using the most rewarding card that you could?

Here is everything you need to know about our favorite credit cards available during the holiday season.

Citi Double Cash

Why we like it: We’ve called this “The Best Cash-Back Credit Card for Everyday Use” since it earns 1% cash back on every purchase, then earns another 1% cash back when you pay for those purchases. If you want the peace of mind that you’re earning good cash-back rewards on everything, with no gimmicks or expiration dates, this is your card.

What to know:

Citi Double Cash
Citi
  • Get a total of 2% cash back on every purchase
  • No limits or caps on cash back
  • No confusing categories; everything earns cash back
  • No annual fee

Note: This card offers 18 months of 0% introductory APR on balance transfers.

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

Chase Freedom Flex

Why we like it: The Chase Freedom Flex card offers strong cash-back rewards in several categories and turbo-charges your rewards in seasonal bonus categories. You get a 0% introductory APR offer on purchases for 15 months, plus earn a $200 bonus after spending $500 on purchases in the first three months with the card. It’s a solid card on its own, but also pairs well with the rewards of Chase Freedom Unlimited.

What to know:

Chase Freedom Flex
Chase
  • 5% cash back on travel purchased through Chase Ultimate Rewards, including hotels, flights, car rentals and cruises
  • 5% cash back on grocery store purchases, up to $12,000 in the first year, as a welcome bonus
  • 5% cash back on seasonal bonus categories, up to $1,500 each quarter
  • 5% cash back on Lyft rides (through March 2022)
  • 3% cash back on dining at restaurants (including takeout and delivery)
  • 3% cash back on drugstore purchases
  • 1% cash back on all other purchases
  • No annual fee
Click here for more details and to compare this with other credit card offers.

Blue Cash Everyday from American Express

Why we like it: The Blue Cash Everyday card lives up to its name as a great value all the time — but especially for new cardholders. In the first six months, you can earn 20% back on purchases at Amazon.com, getting up to $200 back, plus separately earn $100 back after spending $1,000.

What to know:

Blue Cash Everyday from American Express
American Express
  • 3% cash back on up to $6,000 at U.S. supermarkets per year, and 1% cash back after that amount
  • 2% cash back at select U.S. department stores
  • 2% cash back at U.S. gas stations
  • 1% cash back on other purchases
  • 0% introductory APR on purchases for 15 months
  • No annual fee

Note: Cash back is redeemed as statement credits.

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

Whatever you need in a credit card — whether it’s reward points, cash back or a low interest rate — you can find it with our credit card search tool. Click here to search for the plastic that best fits your needs.

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Read Next
Never Buy These 12 Things at a Thrift Store
Never Buy These 12 Things at a Thrift Store

Sometimes a great deal is not worth it — or, even worse, is dangerous.

14 Service Providers Most Likely to Lower Your Bill If You Ask
14 Service Providers Most Likely to Lower Your Bill If You Ask

With these companies, it might be easier than you think to negotiate your monthly bill down.

If My Spouse Dies, Can I Get Her Social Security?
If My Spouse Dies, Can I Get Her Social Security?

If a spouse dies, will the survivor collect the other’s share in addition to his or her own?

15 Things You Should Always Buy at Yard Sales
15 Things You Should Always Buy at Yard Sales

You can save a ton of money — especially if you spot any of these items.

7 Social Security Blunders That Can Ruin Your Retirement
7 Social Security Blunders That Can Ruin Your Retirement

Making even one of these mistakes can easily cost you tens of thousands of dollars.

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Most Popular
10 Things Frugal People Never Buy
10 Things Frugal People Never Buy

If you’re a true tightwad, the mere thought of spending money on these items gives you the willies.

10 Useless Purchases You Need to Stop Making
10 Useless Purchases You Need to Stop Making

You might as well flush your money down the loo if you spend it on these things.

7 Social Security Rules Everyone Should Know by Now
7 Social Security Rules Everyone Should Know by Now

Confusion over Social Security is a shame, considering how many of us will need this money badly.

If You Find This Thrift Shopping, Buy It
If You Find This Thrift Shopping, Buy It

They don’t make coffee makers like this anymore.

What a $15 Minimum Wage Means for Social Security
What a $15 Minimum Wage Means for Social Security

A federal minimum-wage hike could affect the Social Security system dramatically.

7 Social Security Benefits You May Be Overlooking
7 Social Security Benefits You May Be Overlooking

There’s more to Social Security than retirement benefits.

3 Ways to Get Microsoft Office for Free
3 Ways to Get Microsoft Office for Free

With a little ingenuity, you can cut Office costs to zero.

14 Things You Should Stop Buying in 2021
14 Things You Should Stop Buying in 2021

These convenient household products come with hidden costs that you might not have considered.

Is Writing a Check Still Safe?
Is Writing a Check Still Safe?

Every time you pay by check, you hand your bank account numbers to a stranger.

The 6 Best Investing Apps for Beginners
The 6 Best Investing Apps for Beginners

If you’re looking to ease into investing in the coronavirus economy with just a little money, check out these easy-to-use tools.

8 Things You Should Replace to Improve Your Life Today
8 Things You Should Replace to Improve Your Life Today

Being frugal isn’t smart if you put off replacing these items.

6 Ways to Protect Your Retirement Accounts From Hackers
6 Ways to Protect Your Retirement Accounts From Hackers

Imagine having $245,000 stolen from your retirement account — and not being reimbursed.

10 Deep Discounts Available on Amazon This Friday
10 Deep Discounts Available on Amazon This Friday

These items are all steeply discounted — but the deals won’t last long.

13 Amazon Purchases We Are Loving Right Now
13 Amazon Purchases We Are Loving Right Now

These practical products make everyday life a little easier.

7 Income Tax Breaks That Retirees Often Overlook
7 Income Tax Breaks That Retirees Often Overlook

Did you realize all these tax credits and deductions exist — or that they apply to retirees?

This Is the Most Dependable Car Brand in the U.S.
This Is the Most Dependable Car Brand in the U.S.

This brand’s vehicles are least likely to give drivers repair headaches, according to J.D. Power.

7 Kirkland Signature Items to Avoid at Costco
7 Kirkland Signature Items to Avoid at Costco

Even if it seems you save a bundle buying Costco’s Kirkland Signature brand products, they may not be the bargain they appear to be.

7 Hidden Sections of Amazon Every Shopper Should Know
7 Hidden Sections of Amazon Every Shopper Should Know

These little-known departments of Amazon are gold mines for deal-seekers and impulse shoppers alike.

7 Costly Health Problems That Strike After Age 50
7 Costly Health Problems That Strike After Age 50

As we age, our bodies wear down. Here is how to cut costs associated with some common ailments.

View More Articles

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Add a Comment

Our Policy: We welcome relevant and respectful comments in order to foster healthy and informative discussions. All other comments may be removed. Comments with links are automatically held for moderation.