Welcome offer: Discover will match all the cash back you earn during your first year.Base rewards rate: 1% cash rewards on purchases.But with the chance to earn up to 6% back at a variety of retailers throughout the year, you can earn back that amount fairly quickly. That said, there’s no 0% promotional financing option, and after the first year, the annual fee jumps from $0 to $95. New cardholders also enjoy a $250 bonus if they spend $2,000 in their first 120 days with the card. You’ll also earn 3% cash back on up to $1,500 spent quarterly on your choice of one so-called everyday category, which can include wholesale clubs, like Costco and Sam’s Club-both of which offer Black Friday deals. While the quarterly spending cap might be a bit constraining for some, it’s high enough to cover the average family’s $1,000-holiday budget. You’ll then earn 6% back on up to $1,500 spent with your chosen retailers throughout the quarter. More specifically, you’ll choose two retailers each quarter from a list of two dozen options, including big Black Friday names like Amazon, Best Buy, Kohl’s, Target and Walmart. Instead of offering bonus rewards on a broad category of purchases, the card offers up to 6% cash back when you shop with individual retailers. Bank Shopper Cash Rewards Visa Signature Card gives you more flexibility. If you don’t plan to focus on just one retailer for Black Friday and Cyber Monday deals, the U.S. Annual fee: $0 for the first year, then $95.Welcome offer: Earn a $250 bonus after you spend $2,000 the in first 120 days.Base rewards rate: 1.5% cash rewards on purchases.However, it doesn’t offer promotional financing deals, and if you’re planning to pay off your holiday shopping over time, the interest charges could offset the cash-back rewards. Like most cards on our list, the Walmart Rewards card doesn’t charge an annual fee. During the first 12 months, you’ll also get 5% back when you shop in person at Walmart stores and pay with your card using Walmart Pay, the retailer’s digital wallet integrated with the Walmart mobile app.Īfter the first year, though, in-store Walmart purchases get downgraded to 2% cash back, which is lower than what you can potentially earn at Walmart with the next two cards on our list. You’ll earn 5% cash back when you shop online at, whether you pick up your order at a local store or have it delivered. If you plan to camp out for Walmart door-buster deals or generally prefer Walmart’s online platform over Amazon’s, the Capital One Walmart Rewards Mastercard could be a better fit. Sign-up bonus: 5% cash back in Walmart stores with Walmart Pay for the first 12 months.Bonus rewards: 5% cash back at, 2% cash back at Walmart stores, restaurants, and on travel.The welcome bonus of a $60 Amazon gift card is also lower, but other rewards rates and promotional financing benefits are the same. If you don’t have an eligible membership, you’ll earn just 3% back on Amazon. But you will need a Prime Membership, which costs $139 per year, to enjoy the 5% and 10% bonus rewards rates. (Just make sure you stick to your holiday budget. Depending on how much you spend, you could get a 0% promotional APR for six, 12 or 18 months on purchases of $50, $250 or $500 or more, respectively. There is also an introductory financing offer, which might help if you’re planning a big holiday purchase, like a computer or jewelry. There are sign-up benefits too: When you get approved for the card, you’ll get an Amazon gift card worth at least $100 added to your account. But Amazon’s selection of goods is so wide that for a certain type of shopper this card could be almost as useful as one with a 5% general rate. Amazon Prime Visa’s 5% bonus rate is narrow in the sense that it’s mostly tied to Jeff Bezos’ online shopping behemoth. To put that in context, a few top cash-back rewards cards offer up to 2% back on general purchases, and many offer higher rates in narrow categories like travel or dining out. The card offers a generous 5% cash back on purchases made with Amazon (as well as Amazon-owned Whole Foods and travel booked through Chase.) If you’re an Amazon Prime fan, the Amazon Prime Visa may be a no-brainer, especially during the Black Friday season. Annual fee: $0 for Amazon Prime members.Sign-up bonus: $200 Amazon gift card upon approval exclusively for Prime members.Bonus rewards: 5% at and Whole Foods Market, and on Chase Travel purchases 2% back at restaurants, gas stations and local transit, including rideshare.
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