You have your holiday gift list, you’ve checked it twice, and now you’re ready to shop.
If you plan to use a credit card to pay for your purchases, keep in mind that rewards credit cards can reward you for your holiday shopping in the form of cash back, discounts or perks such as free shipping. But it’s important to pick a card that aligns with your habits.
Which type of credit card is best for online holiday shopping?
There’s no one type of credit card that’s best for every kind of online shopping. When choosing a particular credit card for your shopping, you’ll want to pick one that aligns with your habits.
For instance, if you do most of your online holiday shopping at a large retailer like Amazon or Target.com, you might want to pick one of their co-branded cards to maximize your rewards or savings. Similarly, if you do a variety of online shopping, you might want to choose a card that rewards you for all online shopping. The same idea holds for the shopping you might do in physical stores.
When you think you’ve settled on a card, though, make sure to read the fine print on your rewards categories. For example, if a card says it offers bonus rewards on grocery shopping, groceries at superstores like Walmart and Target and wholesale clubs might be excluded. You’ll also want to double-check if online orders or delivery services are included in the bonus category.