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Best Rewards Credit Cards for Halloween

Best Rewards Credit Cards for Halloween

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Sep 06, 2019. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

The smell of pumpkin spice is in the air and one thing is undeniable — Halloween is fast approaching. As an adult, you might find the budgeting aspect of the upcoming holiday season more frightening than any talking skeleton or giant spider. But don’t worry! We’ve got recommendations for some credit cards that can help you put some money back in your pocket as you shop for candy, costumes and decorations.

Here are the top three cards we recommend for Halloween shopping. And just in case you’re still looking for the perfect credit card after you get through that list, we decided to include three runners-up that we liked a lot too.

In this article:

Top three cards

Best for grocery shopping

  • Earn up to $350 in statement credits. Terms Apply.

  • Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply.

  • 0% on purchases for 12 months from the date of account opening, then 13.99%-23.99% Variable

Highlights
  • Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
  • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • $0 intro annual fee for the first year, then $95.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
  • See Rates & Fees

See additional details for Blue Cash Preferred® Card from American Express

More Info

The Blue Cash Preferred® Card from American Express is hard to beat if you spend a lot at the grocery store. With this card, you can earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. Cash back can be redeemed as a statement credit.

This card charges an annual fee of $0 introductory annual fee for the first year, then $95. If you don’t want an annual fee card, check out the Blue Cash Everyday® Card from American Express, which is also featured in this roundup.

It’s worth noting that if you meet the maximum annual spend ($6,000) for the highest cashback rate on the Blue Cash Preferred® Card from American Express at U.S. supermarkets, you’ll earn $360. That alone more than covers the $0 introductory annual fee for the first year, then $95 annual fee on the Blue Cash Preferred® Card from American Express, and let’s not forget that you can earn cash back in other categories as well.

While the cashback rate on the Blue Cash Preferred® Card from American Express is excellent, the welcome offer is just OK. You can get a $150 back after you spend $3,000 in purchases on the card within the first 6 months of card membership.

The Blue Cash Preferred® Card from American Express also boasts introductory APR offers on purchases and balance transfers — 0% on purchases for 12 months for purchases and N/A for balance transfers. After the promotional period ends, it’s 13.99%-23.99% variable for purchases and n/a for balance transfers.

To see rates & fees for Blue Cash Preferred® Card from American Express please click here.

Best for Amazon.com, Target and Walmart.com shopping

The Discover it® Cash Back has one of the highest cashback rates available. With this card you can 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically

  • 0% for 14 months on purchases and Balance Transfers, then 11.99% - 22.99% Variable APR.

  • 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically*

  • Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Highlights
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • See Rates & Fees

See additional details for Discover it® Cash Back

More Info

For October through December 2019, the 5% cashback category is Amazon.com, Target and Walmart.com. Between those three powerhouse stores, you can probably get all the costumes, candy and decorations you need for a truly “spooktacular” Halloween.

Plus, for new cardmembers, Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Read: Chase Freedom Flex℠ vs. Discover it® Cash Back

There’s also a solid introductory APR offer — 0% for 14 months on purchases and 0% for 14 months on balance transfers. After the promotional period ends, the regular purchase APR is 11.99% - 22.99% variable apr and the balance transfer APR is 11.99% - 22.99% variable apr.

This card has a $0 annual fee.

Best for cash back on everything

The Citi® Double Cash Card – 18 month BT offer is one of our top recommendations for cards that earn a flat cashback rate on all purchases. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

This card is a good choice if you don’t want to worry about categories and where you shop. Just buy what you need for a great Halloween party on the Citi® Double Cash Card – 18 month BT offer, pay your credit card bill and enjoy your cash back.

There’s also an introductory balance transfer offer — 0% for 18 months on Balance Transfers. After the intro period ends, it’s 13.99% – 23.99% (variable). The regular purchase APR is 13.99% – 23.99% (variable).

This card has a $0 annual fee.

Our runners-up

Good for grocery shopping

  • Earn up to $250 in statement credits. Terms Apply.

  • 3% at U.S. supermarkets on up to $6,000 per year in purchases

  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.

Highlights
  • Earn 20% back on Amazon.com purchases on the Card in the first 6 months of Card membership, up to $150 back.
  • Plus, earn $100 back after you spend $2,000 in purchases on your new Card within the first 6 months of card membership. You will receive cash back in the form of statement credits.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees

See additional details for Blue Cash Everyday® Card from American Express

More Info

The Blue Cash Everyday® Card from American Express is a good choice if you don’t spend enough to justify the $0 introductory annual fee for the first year, then $95 annual fee of the Blue Cash Preferred® Card from American Express, but you still want to earn cash back on your U.S. supermarket spending.

With this card, you earn 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% cash back at U.S. gas stations and at select U.S. department stores. 1% cash back on other purchases. Terms apply. Cash back can be redeemed as a statement credit. The annual fee is $0.

The introductory APR offer is very good — 0% on purchases for 15 months on purchases and N/A on balance transfers. After the intro period, it’s 13.99%-23.99% variable for the regular purchase APR and n/a for the balance transfer APR.

Similar to the Blue Cash Preferred® Card from American Express, the welcome offer on the Blue Cash Everyday® Card from American Express is just OK. You get a $100 back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership.

To see rates & fees for Blue Cash Everyday® Card from American Express please click here.

Good for Target

The Target RedCard Credit Card is a great choice if you plan to do the bulk of your Halloween shopping there. It offers a 5% discount on Target and Target.com purchases.

Perhaps the most convenient thing about this card? You don’t have to worry about redeeming rewards. The discount is applied automatically when you pay with the card.

At 22.90% variable, the regular purchase APR on this card is high. Make sure to pay off your balance in full every month to avoid incurring high interest charges.

This card has a $0 annual fee.

It should be noted that this is a store card, meaning you can only use it at Target and Target.com.

Good for cash back on everything

  • Unlimited 1.5% Cash Back on every purchase, every day

  • 0% intro on purchases for 15 months, then 15.49% - 25.49% (Variable)

  • No minimums for redeeming and cash back won't expire for the life of the account

Highlights
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees

See additional details for Capital One Quicksilver Cash Rewards Credit Card

More Info

The Capital One Quicksilver Cash Rewards Credit Card offers 1.5% cash back on every purchase, every day. If you prefer to get all your cash back up front then this might be the card for you.

The card also has a generous introductory APR offer — 0% intro on purchases for 15 months and N/A. After, the rate for purchases is 15.49% - 25.49% (variable) and the rate for balance transfers is 15.49% - 25.49% (variable).

The sign-up bonus is a pretty easy one to earn. You get a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

This card has a $0 annual fee.

The bottom line

If you put your Halloween purchases on one of these credit cards and pay off your balance in full each month, you’ve got an opportunity to earn cash back. With Thanksgiving and Christmas coming up right behind Halloween, every single cent counts. If you need more ideas on cards that can help you earn cash back — as well as miles for travel — take a look at this list of rewards credit cards.

The information related to the Chase Freedom® has been independently collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication.


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