Here are my favorite credit cards, in order, for the specific type of shopping people usuallydo during the holidays:
1) Citi Dividend - 5% on every major category of spending for the holidays. Department Stores (like Macy's), clothing stores, toy stores and electronics.
- Keep in mind that you can only get $300 of rewards a year
- You also get $200 back after spending $500 in the first 3 months.
2) Discover it™- 5% back on restaurants, department stores and clothing stores for this quarter.
- You only get 5% on $300 of spending in these categories
- Turn your 5% into 6.25% back with gift cards
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3) Chase Freedom - 5% at restaurants, department stores, movie theaters and charities (not clothing stores) for this quarter.
- You can get 5% on up to $1,500 of purchases
- $100 sign up offer when you spend $500 in the first 3 months.
4) Target Red Card - 5% off target all year round, not just the holidays, and free shipping.
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