Best Credit Cards for Holiday Shopping of November 2025
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Written by
Harlan Vaughn
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Edited by
Jasmin Baron
It’s that time of year: holidays, cooler (or cold) weather and all the annual traditions that come with it. It’s also a great time to open one of the best credit cards for holiday shopping — and to use it responsibly.
Household spending tends to be higher, and that means credit card rewards and welcome offers are easier to come by. Plus, you can take advantage of any benefits that come with your new card, like purchase or warranty protection, merchant offers or category bonuses at certain retailers.
It’s also an ideal time to look forward to a new year and organize your financial life. That can turn your Christmas shopping credit card into one that provides a long-term boost to your credit profile.
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Quick Overview: Best Credit Cards for Holiday Shopping
| Our Choice For | Credit Range | Annual Fee | Highlights | |
|---|---|---|---|---|
| Cash Back |
Excellent/Good
670 – 850*
|
$0 |
Earn 2% Cash Rewards plus a $200 bonus Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Apply Now
More Details
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Cash Back |
Excellent/Good
670 – 850*
|
$0 |
Welcome bonus opportunity, generous intro APR, and choose your 6% cash back category 6% cash back for the first year in the category of your choice and 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category / grocery store / wholesale club quarterly purchases.
After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category and 2% cash back at grocery stores and wholesale clubs, up to the quarterly maximum. 1% cash back on all other purchases. If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more cash back on every purchase. The Preferred Rewards bonus is not applied to the 3% first year bonus.
Apply Now
More Details
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| Premium Travel Rewards & Perks |
Excellent
720 – 850*
|
$395 |
Very generous bonus and statement credit opportunities plus premium perks.
Apply Now
More Details
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|
| Intro APR |
Excellent/Good
670 – 850*
|
$0 |
Pay no interest for nearly 2 years 0% intro APR for 21 months from account opening on purchases and on qualifying balance transfers, then a 17.74%, 24.24%, or 28.49% Variable APR
Apply Now
More Details
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| Rotating Bonus Categories |
Good – Excellent
670 – 850*
|
$0 |
Up to 5% cash back on certain categories each quarter 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
Apply Now
More Details
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| Cash Back |
Excellent/Good
670 – 850*
|
$0 |
Earn a first year bonus plus 1% – 5% cash back Earn 5% Cash Back At Different Places Each Quarter Up To The Quarterly Maximum When You Activate.
Earn 1% Unlimited Cash Back On All Other Purchases – Automatically
Apply Now
More Details
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| 2% Cash Back |
Excellent/Good
670 – 850*
|
$0 |
Extra long intro APR on balance transfers, generous welcome bonus, and 2% cash back 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. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Apply Now
More Details
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|
Amazon Shoppers |
Good – Excellent
670 – 850*
|
$0 |
Up to 10% cash back on select items and categories on Amazon Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare) Earn unlimited 1% back on all other purchases
Full Review
More Details
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| Customized Cash Back |
Good/Excellent
670 – 850*
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$0 |
Get up to 5% cash back plus a bonus
Full Review
More Details
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Cash Back at Select Merchants |
Good/Excellent
670 – 850*
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$0 intro annual fee for the first year, then $95 |
Earn up to 6% cash back at two eligible merchants you choose
Full Review
More Details
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Detailed Overview: Best Holiday Shopping Credit Cards
Top Feature
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Purchase & Balance Transfer APR
0% intro APR for 12 months from account opening on purchases and on qualifying balance transfers, then a 18.74%, 24.74%, or 28.74% Variable APR
CardCritics™ Opinion
Recommended Credit Score
Annual Fee
Rewards
Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.74%, 24.74%, or 28.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Top Feature
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Purchase & Balance Transfer APR
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 17.74% – 27.74% Variable APR will apply.
CardCritics™ Opinion
Recommended Credit Score
Annual Fee
Rewards
After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category and 2% cash back at grocery stores and wholesale clubs, up to the quarterly maximum.
1% cash back on all other purchases.
If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more cash back on every purchase. The Preferred Rewards bonus is not applied to the 3% first year bonus.
Card Details From Issuer
- New offer! Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.74% – 27.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Top Feature
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Purchase & Balance Transfer APR
19.99% – 28.99% (Variable)
CardCritics™ Opinion
Recommended Credit Score
Annual Fee
Cash Back
Earn unlimited 2X miles on all other purchases.
Card Details From Issuer
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
Top Feature
Incredibly long intro APR
Purchase & Balance Transfer APR
0% intro APR for 21 months from account opening on purchases and on qualifying balance transfers, then a 17.74%, 24.24%, or 28.49% Variable APR
CardCritics™ Opinion
Recommended Credit Score
Annual Fee
Rewards
Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.74%, 24.24%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Top Feature
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!
Purchase & Balance Transfer APR
0% Intro APR on Purchases and Balance Transfers for 15 months, then 18.74% – 28.24% Variable
CardCritics™ Opinion
Recommended Credit Score
Annual Fee
Rewards
5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
Card Details From Issuer
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74%-28.24%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex® card
- Keep tabs on your credit health – Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
Top Feature
Discover will match all the cash back you’ve earned at the end of your first year.
Purchase & Balance Transfer APR
0% Intro APR on purchases and on balance transfers for 15 months, then 17.74% – 26.74% Variable APR
CardCritics™ Opinion
Recommended Credit Score
Annual Fee
Rewards
Earn 1% Unlimited Cash Back On All Other Purchases – Automatically
Card Details From Issuer
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–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 you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem cash back for any amount
- Apply now and you could get a decision in as little as 90 seconds. No annual fee.
- Start shopping and earning rewards in minutes with your virtual card, before your physical card arrives in the mail, if eligible.
- Get a 0% intro APR for 15 months on purchases. Then 17.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
Welcome Bonus
Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members
Purchase & Balance Transfer APR
19.24% – 27.99% Variable
CardCritics™ Opinion
Recommended Credit Score
Annual Fee
Rewards
Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
Earn unlimited 1% back on all other purchases
Card Details From Issuer
- Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members
- Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
- Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
- Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
- Earn unlimited 1% back on all other purchases
- No annual credit card fee
- No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
- Member FDIC
Top Feature
$200 bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.
Purchase & Balance Transfer APR
0% intro APR on purchases and balance transfers for the first 15 billing cycles, then a variable APR of 17.99% to 28.24% applies
CardCritics™ Opinion
Recommended Credit Score
Annual Fee
Cash Back
5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center.
2% cash back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants.
1% cash back on all other eligible purchases.
Card Details From Issuer
- $200 rewards bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.
- 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose.
- 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center.
- 2% cash back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants.
- 1% cash back on all other eligible purchases.
- 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 17.99% to 28.24%.
- No Annual Fee
- Terms and conditions apply.
Top Feature
Earn a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.
Purchase & Balance Transfer APR
18.49% to 28.49% Variable APR
CardCritics™ Opinion
Recommended Credit Score
Annual Fee
Cash Back
Earn 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities)
Earn 1.5% cash back on all other eligible purchases
Card Details From Issuer
- Earn a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.
- 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose.
- 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities)
- 1.5% cash back on all other eligible purchases
- $0 introductory annual fee for the first 12 months. After that, $95
How To Choose the Best Credit Card for Holiday Shopping
So, where to start? Choosing a card for holiday shopping is different than a regular-use, everyday credit card. You’ll want to consider:
- Welcome offers: Issuers sometimes sweeten the deal during the holidays. With your spending, you could earn a bigger bonus. For the travelers among us, the Capital One Venture X is offering 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening. That’s worth $750 toward your post-holiday vaycay.
- Reward categories: Do you keep your shopping within a few stores? Do you shop mostly online? Are you planning a bigger-than-usual purchase from a place where you don’t usually shop? These are all factors, because you can score extra rewards for certain spending, and it’s worth noting which categories earn more. For example, new Bank of America Customized Cash Rewards card holders earn 6% cash back in a selected 3% category for the first 12 months, up to the first $2,500 in combined quarterly purchases (then the standard 1% applies). I have this cash-back credit card and use the online shopping category every quarter. If I didn’t already own it, I’d jump at this offer.
- Intro APRs: Why not combine shopping with a credit card introductory 0% APR offer? That’ll give you the chance to save on interest, take more time to pay your balance or both. The Discover it Cash Back has the best of both worlds, plus what’s arguably the most unique welcome offer around.
- Overall fit: Once the holiday bonanza passes, perhaps you want to be left with a card you’ll actually use for regular shopping. Many of the cards on this list feature everyday rewards and rotating category bonuses. If you want to maximize your spending year-round, here’s your chance to pick a good one. I use my Chase Freedom Flex for the 5x bonus categories that change throughout the year, as well as all my drugstore spending for 3x Chase Ultimate Rewards® points.
Should I Get a New Credit Card for Holiday Shopping?
The end of the year is actually a fantastic time to get a new credit card. You can take advantage of end-of-year rotating bonus categories as well as get the protections a credit card offers, such as $0 fraud liability, credit score monitoring and virtual cards for security.
Because it takes a week or so to receive your physical card in the mail, you’ll want to be ready for Black Friday, Cyber Monday and Small Business Saturday — and any other sales that pop up.
Plus, with an intro APR offer, you’ll lock in the best rate for shopping or a balance transfer so you can start thinking about your budget for next year (if you want to, of course). And when you’re ready to brave the crowds or fire up your “add to cart” clicking finger, you’ll have your new card ready.
How To Maximize Rewards During Holiday Shopping
When I’ve gotten a new credit card around the holidays, here’s what I’ve done to maximize my rewards:
- Plan shopping in advance: If I know I want to shop online or at a certain store, I’ll check for any quarterly rewards and see if they’re a natural fit. I wouldn’t force it, but with up to 5% or 6% rewards on your spending, if you can earn more rewards by switching retailers, do it. For example, PayPal is often a rewards category on a few cards, and it’s nothing more than a click of a button to trigger the extra rewards by paying through PayPal.
- Add offers to the card: Many banks have card-linked offers that allow you to save money by adding them to your card. I would go through and add them all, as I find myself at unusual (to me) retailers during the holidays, and you never know what you’ll find. It’s always nice to find a statement credit or extra rewards at the end of the billing cycle.
- Use a shopping portal: These portals reward you for clicking a link, and if you’re shopping online, it’s your chance to double up on rewards in the form of cash back, points or miles. Some issuers, like Chase and Capital One, even have their own shopping portals.
- Activate rewards: Credit card issuers want to make sure you’re paying attention, so they’ll require you to activate rewards or select a category for your spending. This is typically as easy as clicking a button — but it’s a hugely important step to making sure you get all the rewards due. For example, some Chase and Discover cards require you to activate quarterly rewards, and Bank of America asks that you select a reward category for certain cards. Do this before you do any shopping.
- Add the card to your online accounts and wallet: If I know I’m going to do a lot of shopping at Amazon or via PayPal, I’ll go ahead and add the card as a payment method. For in-person shopping, I love the convenience of paying with my phone, so I’ll make sure to add it to my mobile wallet — because it’s frustrating to get to the point of sale and realize you left your card at home (or in a drawer in another room).
- Read the fine print: Some cards have extended warranty protection, purchase security and other protections built in. You get them simply by paying for eligible items with the card. But you’ll want to know exactly what you’re getting, as amounts and conditions can vary. That can be a huge relief should your items get damaged or break unexpectedly. I use my Venture X Card for purchase security up to $10,000 per claim and 2x Capital One miles on every purchase, regardless of category.
Alternatives To Consider
There are a lot of cards out there. Here are a few that didn’t make the list, but are worth it for the right shopper.
- Citi Custom Cash® Card : With up to 5% cash back rewards and no annual fee, this is an excellent card for automatically maximizing your cash back. However, there’s a $500 limit each billing cycle on the 5% rewards, after which you’ll earn just 1% back. Many shoppers could easily hit that limit, and it’s another thing to track during the holidays. But if that suits your budget or you don’t mind spreading out your spending, it might be perfect for you.
- Blue Cash Everyday® Card from American Express: This no-annual-fee card, an advertising partner, has strong rewards categories, including 3% cash back on U.S. online retail purchases (on up to $6,000 in spending per year, then 1%). If you’re not planning to shop online, it’s a moot point. But if you are, there’s also a strong intro APR offer and it’s a handy card to use year-round.
- Best travel credit cards: If you’re a traveler or want to earn points or miles for your next getaway, consider one of these. They’re best if you have a certain reward or destination in mind, or if you’re loyal to a particular airline or hotel chain. If that describes you, holiday shopping is an incredible chance to pile on the rewards.
- Best low APR credit cards: If the idea of spreading out your balances sounds ideal, one of these cards may be a better bet. While they’re not usually as heavy on the rewards, having financial flexibility could be the deciding factor, depending on your situation.
The information related to the Prime Visa, Citi Custom Cash® Card , U.S. Bank Cash+® Visa Signature® Card and U.S. Bank Shopper Cash Rewards® Visa Signature® Card was collected by CardCritics™ and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardCritics™ does not receive a commission for this product.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Frequently Asked Questions About Maximizing Credit Card Rewards During Holiday Shopping
What is the best credit card for grocery shopping?
While this list is focused on general shopping, groceries are a big part of the holidays, too. Our top pick is the Blue Cash Preferred® Card from American Express, an advertising partner. You’ll earn 6% cash back at U.S. supermarkets (up to $6,000 per year, then 1%), making it the most rewarding credit card for groceries.
What credit card gives you 5% back on groceries?
The Amazon Prime Visa earns 5% back at Amazon and Whole Foods, while the Citi Custom Cash Card earns 5% on your top eligible spending category each billing cycle, up to $500 in spending, then 1%. Either of these would be a good place to start, depending on your spending habits.
Which is the best shopping credit card?
Without knowing all your personal factors, we’d recommend the Wells Fargo Active Cash Card because of its 2% cash rewards on every purchase, an intro APR offer, decent welcome bonus and no annual fee. The other cards on this list target more specifics, but it’s a strong everyday earner.
What is the biggest mistake you can make when using a credit card?
There are a few, but perhaps the biggest credit card mistake is missing a payment, which is the largest factor that affects your credit score.
How Do Our Critics Evaluate the Cards?
All of the credit cards featured on CardCritics™ are assessed using the same criteria. Our critics evaluate fees, interest rates, balance transfer options, introductory bonuses, rewards, additional benefits and the average credit score required for approval.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics™ references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.