Best Credit Cards for the Holidays

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Gifts, travel, decorations, meals . . . all those holiday expenses add up fast. Luckily, the right credit card can make all the difference for your holiday budget (and your holiday spirit!) so you can celebrate a stress-free season. 

We’ve rounded up our top picks to help you make the most of your holiday spending, with handy features such as:

  • Cash back rewards. Give yourself the gift of cash back on every purchase – during the holidays and beyond.
  • 0% APR for up to 21 months. That’s right, you can wrap up your holiday shopping with no interest charges.
  • Travel rewards. Make your holiday travel plans more affordable, with mileage bonuses, airport upgrades and more.

Find your new credit card from our favorites below, then let the holiday countdown begin!

Cash-Back Cards

Cash back credit cards are the gift that keeps on giving. Choose everyday rewards to earn cash back on all purchases, or choose rewards categories to earn higher cash back for certain merchants (like Amazon) and industries (like travel). Wrap that up with a bow. 

Pay 0 Interest Until 2024 Cards

Zero interest could be your secret weapon for holiday shopping and budget relief. Many cards offer a special promotional period with 0% APR for up to 21 months, so you can buy gifts for everyone on your list without worrying about interest charges. 

Travel Cards

If your holiday plans include holiday travel, it might be time to tap into a travel credit card to make the most of your mileage. Many cards offer impressive welcome bonuses, plus you’ll earn points on every purchase that you can use to cover future travel expenses – or maybe a post-holiday vacation? 
 

Capital One Quicksilver Cash Rewards Credit Card

on Capital One's secure site

 

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Cash Back and 0% Intro APR: The Capital One Quicksilver Cash Rewards Credit Card is a simple and easy-to-use card with a powerful ongoing rewards rate - a great pick for just about any wallet.

Welcome Offer: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

Rewards: 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply) – it’s as simple as that.

Annual Fee: $0.

Wells Fargo Active Cash® Card

on Wells Fargo's secure site

 

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Cash Back and 0% Intro APR: The Wells Fargo Active Cash® Card is an absolute game-changer in the rewards space with the most impressive unlimited cash back rate we’ve ever seen on a no-annual-fee card.

Welcome Offer: If you’re a new cardholder, you’ll earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account open.

Rewards: The rewards program may look simple at first, but don’t let that fool you – if you’re a cardholder, you’ll earn unlimited 2% cash rewards on purchases. 2% unlimited is unheard-of in the world of rewards credit cards, so this card is absolutely not one to miss.

Annual Fee: $0.

Discover it® Cash Back

on Discover's secure site

 

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Cash Back: If you like your credit rewards in cash, this is a great pick with its outstanding cash back match program in your first year.

Welcome 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.

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

Annual Fee: $0.

Citi Custom Cash℠ Card

on Citibank's secure site

 

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Cash Back: The Citi Custom Cash℠ Card is one of the most innovative cards on the market, offering a rewards program that tailors itself to your spending habits.

Welcome Offer: 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 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.

Annual Fee: $0.

Citi® Double Cash Card – 18 month BT offer

on Citibank's secure site

 

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Cash Back: With Citi® Double Cash Card – 18 month BT offer, there aren’t any caps on the cash back you earn and no categories to worry about, making maximizing your cash back simple.

Welcome Offer: None

Rewards: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Annual Fee: $0.

Capital One Venture Rewards Credit Card

on Capital One's secure site

 

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Travel Rewards: This card one of the simplest – but most impactful – travel rewards programs out there: earn 2 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023.

Welcome Offer: Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

Annual Fee: All the rewards above come with a $95 annual fee, but this can easily be offset in your first year with this card’s solid welcome offer.

Citi® Diamond Preferred® Card

on Citibank's secure site

 

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0% Intro APR: This card is a great choice for those looking to save by avoiding considerable interest rate expenses on high card balances.

Intro Balance Transfer APR: Intro APR of 0% for 21 months on Balance Transfers and then 17.24% - 27.99% (Variable) after that intro period is up.

Intro Purchase APR: Intro APR of 0% for 12 months on Purchases and then 17.24% - 27.99% (Variable) after that.

Rewards: This card doesn’t have a rewards program, but the nearly two years of 0% intro APR on balance transfers still makes this an amazing pick.

Extras: Get free access to your FICO® Score online, plus, with Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, and more.

Annual Fee: $0.

Bank of America® Travel Rewards credit card

on Bank of America's secure site

 

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Travel Rewards: Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire. Those points can be redeemed for nearly any travel purchase in the form of statement credit, so you’ll always get the most out of your rewards.

Welcome Offer: 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening.

Annual Fee: $0 – and since this card also doesn’t have any foreign transaction fees, you’ll be earning rewards without having to worry about costs adding up abroad.

Citi Simplicity® Card

on Citibank's secure site

 

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0% Intro APR: One of the most remarkable features of this card is that there are no late fees or penalty rates charged for late payments.

Intro Balance Transfer APR: Cardholders get nearly two years of 0% intro APR: 0% for 21 months on Balance Transfers, then 18.24% - 28.99% (Variable) APR after that intro period is up.

Intro Purchase APR: 0% for 12 months on Purchases; after that, an APR of 18.24% - 28.99% (Variable) applies.

Rewards: This card is completely focused on offering the longest periods of 0% intro APR on purchases and balance transfers, so it doesn’t come with a rewards program.

Annual Fee: $0.

Citi Premier® Card

on Citibank's secure site

 

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(16) Over the Past 60 Days!

Travel Rewards: This fantastic mid-tier card offers an outstanding 3x point multiplier in most travel-related categories alongside one of the best welcome offers you’ll find on a rewards card with a sub-$100 annual fee.

Welcome Offer: New cardholders can earn 60,000 bonus thankyou® points after you spend $4,000 in purchases within the first 3 months of account opening.

Annual Fee: $95.

Chase Sapphire Preferred® Card

on Chase's secure site

 

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3.7/5.0 from 94 Offer Ratings
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(94) Over the Past 60 Days!

Travel Rewards: If you’re a foodie, take note: cardholders earn 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases.

Welcome Offer: This is where this card really moves into the top-tier. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

Annual Fee: This card comes with a $95 annual fee, but as with some other cards on this list, the astonishing welcome offer more than outweighs this in your first year.

Discover it® Miles

on Discover's secure site

 

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Travel Rewards: Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee. There’s a reason this card is a favorite among frequent travelers – it’s simple, easy-to-use and incredibly powerful.

Welcome Offer: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Annual Fee: It’s so nice we’ll say it twice: this card comes with a $0 annual fee.

Get Started Now 

The holidays are almost here, but it’s not too late to make the most of your holiday spending with the right credit card. Whether you choose 0% intro APR, cash back or travel rewards, you’ll help give your budget a boost and ring in the new year right.  

Apply now for smarter spending during the holidays – and all year long! 

 

Methodology 

Each month, the CompareCards team reviews over 100 credit card offers examining the features most valuable to consumers including rewards, sign-up bonus, the interest rate, fees and other features to identify the best offers shown here.