How to decide which credit card to use during the holiday season?

It’s the holiday season and the beginning of celebrations with family and friends. Everyone is creating a to-do list which may include ideas for accessorizing the home, buying presents and booking tickets to go visit their dear ones. While there may be a lot of expenses coming your way, by being mindful during these times will help you get the best deals and maximize your benefits.

We may have many credit cards in our wallet but picking the right one to pay for purchases can make all the difference.

Chase Freedom for Shopping at Department Stores

Chase Freedom credit card is ideal if you are going to be spending at a department store. Chase offers 5% cashback on combined purchases up to $1500 each quarter. For this last quarter of 2019, you can activate your category and gain 5% cashback on department store purchases. In addition, you continue to get 5% cashback this quarter if you are using PayPal or Chase Pay with your Chase Freedom card. You must activate this benefit before 14th December 2019.

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      You can click on the link below to view the list of department stores that are covered under this benefit.

      https://creditcards.chase.com/freedom-credit-cards/merchants#DepartmentStores

      All your other purchases will automatically earn you 1% cashback. With Chase Freedom card each quarter you have a new category where you will be able to earn rewards. Chase Freedom is a no annual fee credit card that earns you points and when these points are combined with a premium Chase card such as Chase Sapphire Preferred or Chase Sapphire Reserve the redemption value of the points increases. Also, redeeming the points for travel through Chase Ultimate portal gives you the maximum benefit.

      Capital One® Savor® Cash Rewards Credit Card suitable for Dining and Entertainment

      Capital One® Savor® Cash Rewards Credit Card remains the best choice for those who love get-togethers whether it’s eating out or ordering in. This card offers the best cashback on dining and entertainment which is at 4% and those who love to cook also benefit as the purchase made at the grocery store will earn you 2% cashback (purchases at Walmart and Target superstores do not earn cashback). Everything else you spend you will receive cash back at 1%.

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          If a large portion of your expenses is food, going out to movies, sports events, and tourist attractions then using this card is beneficial as it earns maximum reward points for your purchases.

          If you do not have a Capital One® Savor® Cash Rewards Credit Card then applying for one now would set you up for the year 2020. The annual fee is waived off for the first year, however, the following year onwards you would have to pay $95 as fees.

          Chase Sapphire Preferred for Travel

          Chase Sapphire Preferred is a good card to use to pay for the travel expenses not just during the holidays but also throughout the year. The 2x points earned on airfare, hotel bookings and dining at cafes and fine dining restaurants ensures a quick accumulation of reward points. If you want an extra 25% value for the points earned then you can make your hotel, airfare and car rental reservations through Chase Ultimate Rewards Portal.

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              The option to transfer your points to popular travel programs at 1:1 value makes Sapphire Preferred a versatile card for travel. Beyond these perks the Sapphire Preferred comes with add-on benefits such as trip delay reimbursement, baggage delay insurance and more.

              Capital One® Quicksilver® Cash Rewards Credit Card for Everyday Purchases and Balance Transfer

              The cards mentioned above address a specific holiday requirement but here we have a card which is good for overall daily usage. There is no need to track rotating categories or monitor merchant code for the specific restaurant as every purchase you make using Capital One® Quicksilver® Cash Rewards Credit Card earns you cashback.

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                  You get 1.5% cashback when you spend on gas, groceries, clothing and more. The points earned do not expire as long as your account is active. It is also advantageous that there is no foreign transaction fee for the purchases you make abroad.

                  Balance Transfer Offer

                  If you have acquired a large amount on another credit card that has a higher interest rate you may want to consider transferring it to using Capital One® Quicksilver® Cash Rewards Credit Card. First-time applicants can qualify for the 0% interest rate on balance transfers for 15 months, beyond which variable APR will be applied.

                  If you apply for this card and are approved the introductory APR offer is available for new purchases. Essentially you would get 15 months to pay off the balance of any large purchase that you may make. Not having to pay an annual fee makes Capital One® Quicksilver® Cash Rewards an attractive credit card.

                  Each of these cards carries additional benefits such as travel accident insurance, extended warranty, and to know more about them you can click on the learn more option. We hope that by choosing the right card you are able to gain maximum value out of your credit cards during your holiday shopping.


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                  Enjoy your Cashback with Chase Freedom Unlimited

                  The Chase Freedom Unlimited is popular because of the liberal way in which you can use this card to earn cashback. You can earn cashback at 1.5% on every purchase.

                  You do not earn points for certain types of transactions such as balance transfers, cash advances, purchase of lottery tickets,buying gaming chips, gambling activities, issuance of checks to your account and interest charges.

                  The cashback you earn do not expire and there is no cap on the rewards you can acquire by using your card.

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                      Why choosing Deserve EDU MasterCard now, can help you get a better credit card in future

                      When starting out, it’s difficult being approved for a credit card, especially because of the lack of financial history. Deserve EDU MasterCard is designed for local and international students who don’t have a credit history or have a very limited credit history. To apply for this card students don’t require a cosigner and have to fill out the details in the application form to be approved.

                      If you have an SSN and a credit history then Deserve would evaluate your application similarly as done by all credit card companies.

                      If you do not have an SSN and credit history they would evaluate academic information, spending habits, income, and consider your passport & Visa details for approving a Deserve EDU Mastercard. Deserve has an internal mechanism through which they decide the credibility of the individual while approving for the credit card.

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                          All the information you must know before applying for USAA Preferred Cash Rewards Visa Signature card

                          USAA Preferred Cash Rewards Visa Signature is elegantly simple to use as a credit card. It does not have any complexities of a cashback credit card such as category restriction and tier-based rewards earnings. You straightaway earn rewards for your purchases which can be credited to you as statement credits.

                          We will be looking at the many of the advantages of carrying this card in your wallet.

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                              USAA Cashback Rewards Plus American Express Card Review

                              USAA has various cashback cards but if you are looking to earn maximum rewards then USAA Cashback Rewards Plus American Express card should be on your list. The card gives you a fantastic cashback of 5% on combined purchases at gas stations and military base purchase. Anytime you shop for groceries you will continue to 2% cashback up to the first $3000 annually. You won’t be able to find any other card offering similar rewards. The earning potential on this card is generous even with the cap of $3000 on the 5% category.

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                                  What perks do you get with an HSBC Cash Rewards MasterCard?

                                  In this article we will be looking at the advantages and disadvantages of getting an HSBC Cash Rewards MasterCard.

                                  HSBC Cash Rewards MasterCard is a reliable no annual fee credit card that will meet all your essential requirements. You get a solid 3% cash back for the first year, right until you reach your first $10,000, beyond which you continue to earn cashback at 1.5%.

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                                      Find out more about the Wells Fargo Propel American Express card

                                      In this blog, we will be looking at the merits and demerits of getting a Wells Fargo Propel American Express Card. Wells Fargo Propel American Express is worth applying if your everyday spendings are on gas, eating out, local travel and your entertainment are subscription based. You would be able to acquire points quickly on this card.

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                                          How does Wells Fargo Cash Wise measure up as a cashback card?

                                          A credit card with flat cashback benefit is versatile because you don’t have to worry about categories, spending tiers. You can use it for all purposes and constantly keep earning points. Wells Fargo Cash Wise comes with a Flat Cashback Reward structure and an attractive joining bonus once you meet the spending criteria.

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