Best Credit Cards For The Holidays - Part 2

Discover it® CashBack Match™
Similar to the Chase Freedom card above, the Discover it® CashBack Match™ offers 5% cash back on purchases in selected categories each quarter. Cardholders get unlimited 1% cash back on all other purchases.

New cardholders also get double cash back for their first year, which means 2% across the board and a whopping 10% on purchases in selected categories each quarter. This deal is fantastic if your holiday spending is concentrated in those categories.

Highlights:

No annual fee
5% cash back on selected categories each quarter – like gas stations, restaurants, and drugstores
1% unlimited cash back on all other purchases
Double cash back for the first year
Flexible cash back redemption
Your cash back never expires
0% APR for 14 months on purchases (a variable APR of 11.99% - 23.99% afterwards)
0% APR for 14 months on balance transfers (3% balance transfer fee and a variable APR of 11.99% - 23.99% afterward) $0 fraud liability
Freeze your account instantly via the mobile app to prevent new purchases

Citi Double Cash
The Citi Double Cash gives you cash back twice. In addition to getting 1% cash back on all your purchases, you'll also get 1% cash back while you pay for them. You'll effectively get 2% cash back on everything you buy this holiday season!

The cash back feature isn't restricted by category, so you are earning money back whenever you use your card to shop.

Highlights:

No annual fee
1% cash back on all purchases
Additional 1% cash back as you pay for those purchases
No cash back cap
0% APR for 18 months on balance transfers (3% balance transfer fee and a variable APR of 14.49% - 24.49% afterward)

Amazon Rewards Visa Signature
If you love shopping online, especially on Amazon.com, the Amazon Rewards Visa Signature might just be the right choice for you. It offers great cash back deals, and you get 3% on all Amazon.com purchases, which increases to 5% on eligible purchases if you are an Amazon Prime member. Then there's 2% cash back on purchases at gas stations, restaurants and drugstores, and 1% on everything else.

With this choice, 'tis truly better to give than to receive!

Highlights:

No annual fee
$50 Amazon.com gift card upon approval
5% cash back on eligible purchases for Amazon Prime members
3% cash back on Amazon.com purchases
2% cash back on purchases at gas stations, restaurants and drugstores
1% cash back on all other purchases
Purchase protection
Extended warranty protection

American Express Blue Cash Preferred®
If you're like most Americans, much of your holiday budget gets spent at the supermarket. Luckily the American Express Blue Cash Preferred® gives the most cash back to purchases in this category, up to 6% on up to $6,000 in purchases. And don't forget that modern supermarkets stock a massive variety of products beyond food, making this one ideal for gift purchases, too.

Highlights:

$150 cash bonus when you spend $1,000 in your first three months
6% cash back on up to $6,000 in purchases at US supermarkets
3% cash back on purchases at gas stations and select department stores
1% cash back on all other purchases
0% APR for 12 months on purchases (a variable APR of 13.99% - 24.99% afterwards)
0% APR for 12 months on balance transfers (3% balance transfer fee and a variable APR of 13.99% - 24.99% afterward)

Final Word
It bears repeating: you should always use your credit responsibly. Never spend more than you can afford. Maintaining balances with standard interest rates will quickly undo the good work of any cash back, or signup offers. This holiday season, why not be good to yourself and your loved ones? Reward them with the gifts they deserve, and give yourself the gifts of financial responsibility, strategic investment, and good spending habits. Those are truly gifts that will keep on giving.

Links:

Chase Freedom
Discover it® CashBack Match™
Citi Double Cash
Amazon Rewards Visa Signature Card
American Express Blue Cash Preferred®