Credit Cards

9 Best Credit Cards to Use on Black Friday & Cyber Monday

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The end-of-year shopping season is upon us. Black Friday and Cyber Monday — North America’s two biggest retail holidays — are nigh. There’s just one item of business before you finalize your holiday gift list: making sure you have a suitably festive spending aid.

If you have good credit and you’re confident in your ability to use revolving credit responsibly, a wealth of holiday-friendly credit cards awaits you. But choose carefully. The optimal choice for you this season depends on where, how, and on what you plan to spend your money. So do your homework to learn more about the best credit cards to use for holiday gift shopping on Black Friday and Cyber Monday, and how to get the most out of whichever card you wind up choosing.

Best Credit Cards to Use on Black Friday & Cyber Monday

Happily, choosing the right credit card to kick off the retail festivities isn’t brain surgery. These nine entrants are widely regarded as the best credit cards to use on Black Friday and Cyber Monday — and throughout the holiday shopping season.

1. Amazon Prime Rewards Visa Signature Card

Unlimited 5% Cash Back on Purchases Made at Amazon and Whole Foods; Unlimited 2% Cash Back at Drugstores

The Amazon Prime Rewards Visa Signature Card is the default credit card for Amazon Prime members seeking rare holiday deals on America’s largest e-commerce site. With unlimited 5% cash back on Amazon and Whole Foods Market purchases, this card is perfect for Cyber Monday shopping — and the snacks you’ll need to fuel your shopping spree.

Unlimited 2% cash back at restaurants, drugstores, and gas stations boosts your spending ahead of the big day, padding your rewards balance just in time to redeem for even deeper discounts on holiday gift purchases.

  • Sign-Up Bonus. There’s currently no sign-up bonus. Check back here often for the latest promotions.
  • Earning Rewards. Earn unlimited 5% cash back on eligible purchases at Amazon and Whole Foods Market. Earn unlimited 2% cash back on eligible purchases at restaurants, drugstores, and gas stations. Earn unlimited 1% cash back on all other eligible purchases.
  • Redeeming Rewards. Redeem in any amount for credits against Amazon purchases — reducing your net Black Friday and Cyber Monday spending if you’re able to get a head start on your holiday spending. Other redemption options include general cash back via statement credit or direct deposit and gift cards.
  • Introductory APR. None.
  • Key Fees. There is no annual fee other than the separate fee for Amazon Prime membership. If you cancel your Prime membership or allow it to lapse, you’ll lose your 5% cash-back benefit.
  • Other Perks. This card comes with some valuable Visa Signature shopping benefits, including extended warranty coverage for one additional year on items with eligible warranties of three years or less and purchase protection against damage or theft for 120 days from the date of purchase — up to $500 per claim and $50,000 per account. Both benefits are invaluable for protecting major Black Friday and Cyber Monday purchases, especially during the busiest time of year for doorstep package thieves. Other notable Visa Signature benefits include complimentary loss and damage coverage on rental cars paid in full with the card and basic travel insurance coverage.

2. Amazon Rewards Visa Signature Card

Unlimited 3% Cash Back on Purchases Made at Amazon and Whole Foods; Unlimited 2% Cash Back at Drugstores

The Amazon Rewards Visa Signature Card isn’t quite as generous as the Amazon Prime Rewards Visa Signature card. Indeed, when your Prime membership lapses, your Prime Rewards Visa simply turns into an Amazon Rewards Visa, shaving 2% off your Amazon and Whole Foods Market cash-back earnings.

Still, unlimited 3% cash back on Amazon purchases is an attractive rate of return on spending. If you rarely shop at Amazon outside the holiday rush and don’t need Prime membership, the Amazon Rewards Visa Signature card is probably enough for you.

  • Sign-Up Bonus. There’s currently no sign-up bonus. Check back here often for the latest promotions.
  • Earning Rewards. Earn unlimited 3% cash back on eligible purchases at Amazon and Whole Foods Market. Earn unlimited 2% cash back on eligible purchases at restaurants, drugstores, and gas stations. All other eligible purchases earn unlimited 1% cash back.
  • Redeeming Rewards. The ideal way to redeem is for credits against Amazon purchases at checkout. Otherwise, redeem for statement credits, direct deposits to your bank account, or gift cards. You can redeem in any amount.
  • Introductory APR. None.
  • Key Fees. There’s no annual fee or foreign transaction fee.
  • Other Perks. This card has the same Visa Signature benefits as the Amazon Prime version: extended warranty coverage, purchase protection subject to limitations, and rental car coverage.

3. Target REDcard™ Credit Card

5% Off All Eligible Target Purchases

The Target REDcard™ Credit Card is one of the best store credit cards on the market, full stop. With a 5% discount on virtually all Target and Target.com purchases, it’s also one of the most generous.

Whether you’re shopping for fashion apparel at your local Target superstore on Black Friday or running down your minor appliance list at Target.com on Cyber Monday, use your RedCard to deepen Target’s famous holiday season discounts. Don’t sleep on the RedCard’s extensive perks, either.

  • Sign-Up Bonus. There’s currently no nationwide sign-up bonus other than 5% off your order when you apply at the register. However, individual stores may offer targeted promotions.
  • Earning Rewards. All eligible Target purchases qualify for a 5% discount, meaning RedCard holders pay 95 cents on the dollar for Target merchandise online and in-store.
  • Redeeming Rewards. The RedCard discount is applied automatically at the point of sale.
  • Introductory APR. None.
  • Key Fees. There is no annual fee.
  • Other Perks. Use Cartwheel to save up to 50% on select Target purchases on top of the existing RedCard discount. You also save 5% on top of the RedCard discount when you subscribe to an eligible recurring purchase plan with Target….Read more>>

Source:-moneycrashers