By now, you have probably adjusted to being bombarded with holiday commercials, decorations and plans for gathering. You might just be thinking about holiday gifts that you want to purchase for yourself and other family members. But there is also the question of how you will be able to pay for them. Credit cards are always an option. They tend to be even better during the holidays since the card companies tend to offer some special deals. Read on to find out more.
Department stores such as Belks and JC Pennys always give you the option to sign up for a credit card and receive an additional 15 to 20% off your purchase if you are approved. This is a good way to save some extra money but be aware of high interest rates. It’s a good idea to pay off your credit cards right away so you don’t end up paying more than the original discount.
Citibank is offering customers with a Dividend credit card the opportunity to earn 5% cash back at all department, clothing and electronic stores. Cash back is limited to $300 per year.
Citicard offers 0% APR on balance transfers for up to 24 months.
Discover card offers the same deal as Citibank but you can also earn rewards from restaurants as well.
The Chase Freedom credit card is offering 5 percent cash back on up to $1,500 spent at department stores, grocery stores and movie theaters through Dec. 31.
Discover has a 5 percent to 20 percent cash-back bonus through retailers in its Shop Discover program. There is also the opportunity to earn 10 percent cash back when you shop online.
This is just the beginning. There are lots of great deals out there. You just need to look. Start with http://www.bankrate.com/financing/credit-cards/cashing-in-on-credit-card-holiday-shopping-deals/.
Happy Fun Spending!!
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