Although we do not recommend because of high interest charges balance, it can cause, if you think you could do so you can start planning now by getting a card that features an introductory period of 0% APR. This will give you flexibility on your purchases as well as additional time to pay. We have reviewed the best cards that will allow you to avoid paying interest on your holiday shopping until well after the season NEXT Holidays! Some of these cards will even earn you rewards value you shop.
Citi Simplicity® Card With a generous 18 months 0% Intro APR and no late fees or penalty fees it is the King of 0% APR cards. Buying a big screen TV for the holidays? Use this card and pay no interest until mid-2015. In addition, Citi Simplicity does not pay an annual fee, late fees or penalty charges and has very reasonable APRs being after the intro period of 0% APR is up. We give this card two big thumbs up for the financially responsible customer.
Preferred® Blue Cash from American Express (a NextAdvisor advertiser) Interested in a card that offers excellent cash back rewards, and 0% of introductory APR? Look no further. Cardholders will enjoy a 0% Intro APR for 15 months and up to 6% cash back on spending every day. Earn 6% cash back at supermarkets (to a maximum of $ 6K shopping), 3% at gas stations and 3% for some stores, including Nordstrom, Macy's, J.C. Penney and Sears. You also earn 1% cash back on all other purchases. In addition users will get a $ 150 bonus, redeemable against a declaration of credit of $ 150, after spending $ 1,000 within the first 3 months. There is an annual fee of $ 75, but the rewards cash back earning possibilities of the card are more likely to offset expenses. Bottom line is that Blue Cash Preferred lets you enjoy great results in cash - earn 6% cash back on this special holiday meal! -. Appreciate and pay no interest until long after this holiday season and next have passed
Chase Freedom®: The holders earn $ 100 after spending $ 500 over the first 3 months , a nice way to complete your holiday shopping. Additionally, you earn 5% cash back (to a maximum of $ 1,500 in purchases) Amazon.com and select department stores until 31 December 2013 and unlimited 1% cash back on everything else. The categories of cash back of 5% each quarter turn so that you will have a new opportunity to 5% from January. To top it all, there is no annual fee. Users will also enjoy a 0% Intro APR for 15 months so you can collect up front back cash rewards on your purchases and do not worry about paying interest on them until 2015. A win-win all around .
Discover it® Card: The combination of a 12-month 0% Introductory APR, cash back rewards and no annual fee, this might be the card for you this season vacation. Cardholders earn 5% cash back on online shopping (up to $ 1500 in purchases) until 31 December 2013 and 1% cash back on all other purchases. So from home this season shop Black Friday and Cyber Monday and win a big 5% cash back! After 31 December 2013, the cash back category 5% quarterly turns.
Capital One ® QuicksilverOne ® Cash Rewards: While the above mentioned cards all require very good credit, even those of us with the correct fair credit can get a 0% APR and earn money back this holiday season with this card. Cardholders will enjoy a 0% Intro APR on all purchases until November 2014, giving them enough time to pay your extravagant holiday shopping. In addition, this card is designed for those of you with the average credit while offering the same features available to those with excellent credit. Users will gain a spectacular cash of 1.5% on all purchases, cash back rate highest level we have seen among the credit cards. There is an annual fee of $ 39, but if we take into account the ongoing cash back reward potential, it could be worth it. Overall, not bad shakes for an "average credit" credit card - get super-cash back rewards and a long 0% intro After a while
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