With the holiday shopping season fast approaching, many people are taking a second look at their credit cards and looking for a new credit card which has more to offer this holiday season. If you are looking for the right credit card for the holiday season, we offer this comprehensive guide to the best credit cards of the 2014 holiday season. These credit cards are not just gimmicks for the holiday season but credit cards that have something to offer for years to come.
We also have some tips on getting the most out of your holiday shopping with your credit cards. For example some credit cards are offering anywhere from 3% to 6% cash back on select categories or stores, which can greatly help you offset the cost of this holiday season. Cash strapped this holiday season? Why not go for a credit card with a 0% intro APR? With a 0% intro APR card you can delay interest on payments or your balance for as long as 18 months in some cases, and a few cards will even offer cash back as a rewards program on top of the 0% intro APR offer!
Blue Cash Preferred® Card from American Express
The number one credit card on our list for the holiday season and year round, this card has everything you need and then some for Christmas shopping. First you will get Amazon prime for one year for free, which opens up free shipping and members only offers for this holiday shopping season. You will also receive $100 back in the form of a credit statement if you make $1000 in purchases with this card in the first 90 days of opening up your account. If you like cash back and are planning on hosting a nice holiday dinner with your family this year, this card offers you 6% cash back on all supermarket purchases, up to $6000 annually, as well as 3% US gas stations & select US dept stores, 1% on other purchases. To top off this offer, you receive a intro 0% APR offer for 15 months! You have 15 months to pay off your holiday expenses with no interest and still enjoy the cash back courtesy of American Express. This card is meant for those with excellent credit and does carry an annual fee of $75, but with the cash back and sign up bonus you will end up paying nothing.
The Citi Simplicity card
This card is perfect for those who want to splurge on gifts, dinners and fine foods this holiday season and take their sweet time to pay it off. The Citi Simplicity card offer has a intro 0% APR offer for 18 months, giving you plenty of time to pay off the holiday seasons balance at your own pace. On top of the very long and generous intro APR period, the Citi Simplicity card also has a very nice rewards program which awards you Citi Easy Deals Points. Citi Easy Deals Points can be redeemed for a multitude of online offers, products, services and gift cards to your favorite restaurants and merchants. To seal the deal this card has no annual fee.
Bank of Hawaii Visa Signature® Credit Card with MyBankoh Rewards
This card while not well known outside of Hawaii is open to all residents of the U.S, and this card as well offers a generous 18 month 0% intro APR period on new accounts. AFter your intro APR period your APR will be 16.9% or lower depending on credit worthiness. You also earn $100 after you spend $1000 within the first 90 days of opening the crddit card, in the form of 10,000 points which can be converted or cashed in for $100.00 or saved for a future date. You also earn a 10% Annual Year-End Bonus on points earned throughout the year. To top it off you also recieve a -% intro APR for 18 months on any balance transfers made to this card. The APR is very competitive with this card and there is no annual fee making this credit card a solid choice for anyone wishing to delay interest on their holiday shopping while still earning decent rewards points for their efforts.
Citi ThankYou® Premier Card
The 4th card on our list has a killer sign up bonus that comes in a two- one punch. You earn 20,000 Citi thank you points if you spend $2,000 in purchases within the first 3 months of account opening. You also earn 30,000 points after another $3,000 in purchases within the first 3 months of your second year of being a card holder, giving you value in keeping this card past the first year of having the card. You earn 3 ThankYou Points for every $1 spent on purchases for Dining at restaurants and select Entertainment merchants, 2 ThankYou Points for every $1 spent on purchases for Airfare, hotels and travel agencies and 1 point on everything else. You can use the points directly on the Citi ThankYou portal for gifts such as Brookstone Active Sport Handheld Massager for only 8,100 pts.
Looking for a card loaded with perks? The Citi ThankYou premier card offers you the following:
Personal Concierge Service
EMV Chip Technology
Extended Warranty – Extend the manufacturer’s original U.S. warranty (of one year or less) up to one additional year
Lost Luggage Coverage
Auto Rental Insurance
Trip Cancellation and Trip Interruption Coverage
Emergency Assistance Services – Pre–Trip Travel Assistance, Medical Assistance and Legal Referral Services.
Citi® Price Rewind – Citi Price Rewind will search retailers’ sites for 60 calendar days from the date of purchase. If a lower price is found, you can get the price difference back.
It is hard to beat these perks!
There is an annual fee of $125, however this waived your first year. The APR ranges from 13.99%, 16.99%, 18.99%, 20.99%, or 22.99%, based on your creditworthiness.