Using Your Credit Card to Maximize Holiday Shopping

Using Your Credit Card to Maximize Holiday Shopping

August 7, 2019         Written By John H. Oldshue

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Now that November has arrived, shoppers and retailers are both turning their attention to the holiday season.

Consumers will spend an average of $749.51 on their holiday shopping, up 1.2 percent from the $740.57 spent last year, according to the National Retail Federation.

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Shoppers can save money by using their rewards card to help pay for holiday shopping.

Here are some ideas for making the most of your credit cards during the holidays:

  • Use your reward points as currency to buy gift cards or merchandise offered through partner programs. The programs vary by issuer, but the partners could be stores where you already shop. Discover turns $20 rewards into $25 gift cards for AMC Theatres, Bed Bath & Beyond, and many national clothing retailers. Some retailers include: (100 percent rewards increase), (40 percent rewards increase), (100 percent rewards increase) and (40 percent rewards increase).
  • Look for five percent rotating cash back offers. Some issuers offer an attractive five percent back on spending in designated categories during a certain period of time. The October-December bonus categories for these issuers focus on shopping and entertainment. If you have these cards, remember to sign up for these attractive rebate offers each quarter since enrollment is not necessarily automatic.
  • Check for cash back bonuses on new accounts. A number of cards offer up-front cash back bonuses to new cardholders, and the increased spending during the holidays are the best time to quickly reach these spending tiers and earn additional  cash. In nearly every case, the consumer needs to spend a certain amount of money on the card during the first three months of being a cardholder.
  • Pay attention to reward limits. Some cards have a limit on the bonus. As an example, the Discover More card offers five percent cash back but only on the first $1,500 in purchases each quarter. After you reach the rewards limit on one card, stop using that card and switch to another card in order to maximize your rewards.


The information contained within this article was accurate as of August 7, 2019. For up-to-date
information on any of the terms, cards or offers mentioned above, visit the issuer's website.


About John H. Oldshue

John Oldshue is the creator of He worked for over 15 years in television and won an Emmy award for his reporting. He covers credit card rate issues for
View all posts by John H. Oldshue