Taking advantage of the deep discounts on Black Friday can be a great way to save some cash this Christmas, but if you're not a fan of standing in line or dealing with swarms of hysterical shoppers, then you might be more inclined to splurge on the Cyber Monday deals from the comfort of your own home.
A 2014 holiday shopping survey conducted by CompareCards revealed the following about holiday shoppers:
- 51% shopped online, while 49% shopped in-stores
- 32% shopped on Cyber Monday
- 34% shopped on Black Friday
- More women than men shopped online vs in-store
The extra savvy consumers will not only hunt for the best discounts, but they will also score the biggest return on their spending by paying with the right rewards credit card.
Here are a few credit cards that can help you rack up some valuable rewards on Cyber Monday.
Credit Cards That Earn Rewards for Online Shopping
Discover it® Card: There are a few versions of the Discover it Card, so be sure to choose the one that's right for you! This popular cash back credit card earns 1% cash back on all purchases and 5% cash back in certain rotating categories. The current category for earning 5% cash back through the end of the year includes Amazon.com, Department stores, and Clothing stores. Needless to say, Amazon.com is always a favorite website for holiday shoppers, and they've been known to release some killer deals for Cyber Monday. What makes this offer even more appealing for Cyber Monday shoppers is that Discover will double all the cash back that new cardholders earn during their first year!
That means that if you signed up for the Discover it Card, you could effectively earn a whopping 10% cash back when you shop on Amazon.com or at any of the more than 50 popular departments stores and clothing stores. When you pair the Cyber Monday discounts with the cash back that you earn with the Discover it® Card, that adds up to some huge savings on your holiday shopping!
Chase Freedom®: The Chase Freedom is very similar to the Discover it® Card, but there are also a few notable differences. This card also earns 1% cash back in addition to 5% back in categories that change each quarter. And just like the Discover it® Card, the 5% cash back category in the Chase Freedom® includes Amazon.com until the end of December, making it another great option for Cyber Monday deal hunters. Instead of Department & Clothing stores, Chase Freedom® cardholders will earn 5% cash back at Zappos.com, Audible.com, & Diapers.com in addition to Amazon.com .
So if you foresee yourself spending money with any of these retailers on Cyber Monday, then the Chase Freedom® is the card for you. This card also offers a $150 Bonus after you spend $500 on purchases in your first 3 months of account opening. With big holiday spending coming up, now is the perfect time to apply so you can make sure you score that nice bonus!
Citi® Double Cash: If you don't feel like navigating the intricacies of a complicated rewards structure and simply want to earn a flat rewards rate on all of your purchases this holiday season, then the Citi® Double Cash is the card for you. This credit card earns 1% cash back on all purchases, and another 1% cash back when you pay your bill, so it effectively comes out to 2% cash back on all of your spending. This consistent rewards rate allows you to shop around for the best deals on Cyber Monday and rest assured that you're still getting a generous return on your spending.
Another great feature of the Citi® Double Cash that makes is an excellent choice for holiday shopping is the Citi® Price Rewind program. This unique feature allows you to shop with confidence and know that you're getting the best deal on the things you buy. When you make a big purchase, just keep your receipt, select your item on the Citi® Price Rewind website, and Citi will keep an eye out for a lower price than what you paid. If they find a better deal within 60 days of your purchase, you will be notified and Citi will automatically refund you for the difference of the two prices!
For tips on protecting your credit card information while shopping online, check out the following:
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