Best Credit Card Christmas Promotions of 2019

Best Credit Card Christmas Promotions of 2019

December 2, 2019         Written By Bill Hardekopf

The holidays are just around the corner and shopping will soon be at a fever pitch. For those looking to take advantage of credit card rewards, now is the time to consider the best credit card Christmas promotions.

Below are some of the most compelling credit card promotions on the market. But before you apply for any card, you will want to consider where you spend the most money and what sort of rewards you would be most likely to use. For instance, if you rarely travel, it makes no sense to apply for a card that offers airline rewards.


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If you don’t like to pay an annual fee and plan to travel in the new year, the  is an excellent option. Your holiday expenditures will accrue no interest if you pay them off within a year, and new cardholders enjoy 20,000 bonus miles when they spend $1,000 within the first three months of opening the account, which equates to $200 in travel. Cardholders earn 1.25X miles on every purchase. The points can be used to fly any airline or stay at any hotel. However, if you do not often travel, you would be better off with a cash back card.


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The  is an outstanding cash back card. New customers can earn a $200 online cash rewards bonus after spending $1,000 in the first 90 days of opening an account. In addition, new applicants will get 15 billing cycles of 0% APR on both new purchases and balance transfers. The balance transfers must be completed within 60 days of account opening, and a 3% balance transfer fee applies. The card offers 1% cash back on all purchases, but 2% on transactions made at grocery stores and at wholesale clubs, and 3% on a category of your choice: gas, online shopping, dining, travel, home improvement/furnishings or drug stores. These increased payouts are applicable on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter. If you’re a Bank of America Preferred Rewards member, you can earn 25% – 75% more cash back on every purchase. The card has an APR ranging from 15.49% - 25.49% Variable APR on purchases, depending on your credit worthiness. The card has no annual fee.


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Everyone loves to eat, especially around the holidays! The  is aimed towards foodies who spend a lot on groceries and dining. Cardholders can earn 4% cash back on dining and entertainment, 2% on grocery store purchases, and 1% on all other transactions. New account holders can earn $300 if they spend $3,000 during the first three months of card membership. There is a $95 annual fee, but it is waived during the first year.


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The currently has an introductory offer of 60,000 points for new cardholders after they spend $4,000 within the first three months of opening their account. These rewards can be redeemed for $750 for airfare or hotel rooms or $600 cash back. Cardholders also earn 2X points on travel and restaurant purchases, and one point for every other dollar spent. If you are someone who plans to travel a lot in the new year, this card offers impressive travel rewards and perks such as trip cancellation insurance and baggage delay insurance. There is a $95 annual fee, but no foreign transaction fees.



The information contained within this article was accurate as of December 2, 2019. For up-to-date
information on any of the terms, cards or offers mentioned above, visit the issuer's website.


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About Bill Hardekopf

Bill Hardekopf is the CEO of LowCards.com and covers the credit card industry from all perspectives. Bill has been involved with personal finance for over 15 years. He is a frequent contributor to Forbes, The Street and The Christian Science Monitor.
View all posts by Bill Hardekopf
Featured Low Interest Card
Top Features : 1.25X miles on every purchase; no annual fee; bonus of 20,000 miles once $1,000 is spent in first 3 months
Featured No Annual Fee Card
Top Features : Earn cash back twice. 1% when you buy plus 1% as you pay; 0% APR for 18 months on balance transfers
Featured Bad Credit Card
Top Features : No Annual Fee; Cash Back match at the end of your first year; Social Security Alerts
Featured Fair Credit Card
Top Features : No annual fee; access to higher credit line after making first 5 monthly payments on time
Featured Limited/No Credit
Top Features : No annual fee; reports to major credit bureaus; access to higher credit line after making first 5 monthly payments on time
Featured Cash Back Card
Top Features : No Annual Fee, Bonus Offer, Cash Back