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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 has not been previewed, commissioned or otherwise endorsed by any 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

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%). 3% cash back at U.S. gas stations. 1% cash back on other purchases. Other cashback categories: NEW 6% Cash Back on select U.S. streaming subscriptions & 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more

This card charges an annual fee of $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 $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 $250 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.

The Blue Cash Preferred® Card from American Express also boasts introductory APR offers on purchases and balance transfers — 0% for 12 months for purchases and 0% for 12 months for balance transfers. After the promotional period ends, it’s 14.49%-25.49% variable for purchases and 14.49%-25.49% variable for balance transfers.

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 earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate, 1% unlimited cash back on all other purchases - automatically.

  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically*

  • Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*

  • Any amount, any time. Cash back rewards never expire*

Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • 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, Discover will automatically match all the cash back you earn at the end of your first year.*

Read: Chase Freedom® 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 13.49% - 24.49% variable and the balance transfer APR is 13.49% - 24.49% variable.

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% cash back on purchases: 1% when you buy plus 1% as you pay.

  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay.

  • 0% for 18 months on Balance Transfers

  • 15.49% - 25.49% (Variable)

Highlights
  • Earn cash back twice. 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.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.49% – 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

See additional details for Citi® Double Cash Card – 18 month BT offer

More Info

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 15.49% - 25.49% (variable). The regular purchase APR is 15.49% - 25.49% (variable).

This card has a $0 annual fee.

Our runners-up

Good for grocery shopping

The Blue Cash Everyday® Card from American Express is a good choice if you don’t spend enough to justify the $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. The annual fee is $0.

The introductory APR offer is very good — 0% for 15 months on purchases and 0% for 15 months on balance transfers. After the intro period, it’s 14.49%-25.49% variable for the regular purchase APR and 14.49%-25.49% variable 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 $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.

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 24.65% 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.

The information related to the Target REDcard Credit Card has been collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication.

Good for cash back on everything

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.

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

  • 0% for 15 Months on Purchases and Balance Transfers

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

Highlights
  • One-time $150 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; 15.74%-25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

See additional details for Capital One® Quicksilver® Cash Rewards Credit Card

More Info

The card also has a generous introductory APR offer — 0% intro on purchases for 15 months and 0% intro on balance transfers for 15 months. After, the rate for purchases is 15.74% - 25.74% (variable) and the rate for balance transfers is 15.74% - 25.74% (variable).

The sign-up bonus is a pretty easy one to earn. You get a one-time $150 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.


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