Black Friday Credit Card Deals to Save You Money

Many credit cards offer exclusive discounts and rewards on Black Friday, making it a great opportunity to save money. According to our research, the Chase Sapphire Preferred Card offers a 60,000-point bonus for new cardholders who spend $4,000 in the first 3 months.

Some credit cards also offer 0% APR promotions, allowing you to avoid interest charges for a specified period. For example, the Citi Simplicity Card offers 21 months of 0% APR on purchases.

If you're looking to earn rewards points, consider the Discover it Cash Back card, which offers 5% cash back on various categories throughout the year, including gas stations and grocery stores.

By taking advantage of these credit card deals, you can save money on your Black Friday purchases and earn rewards points that can be redeemed for future purchases.

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If you're looking for a credit card that offers a flat cash back rate, the Wells Fargo Active Cash Card is an excellent choice. It offers unlimited 2 percent cash rewards on all purchases, making it one of the best flat cash back cards on the market.

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You can earn a welcome bonus of $200 in cash rewards after spending $1,000 within the first three months, which could help cover some of your Black Friday shopping. Plus, you'll get a 0 percent intro APR for 15 months from account opening on purchases and qualifying balance transfers.

The Capital One Savor Cash Rewards Credit Card is another great option for earning cash back in categories such as entertainment and dining. It offers unlimited 3% cash back at grocery stores, on dining, entertainment, and popular streaming services, plus 1% on all other purchases.

Some other credit cards worth considering for Black Friday shopping include the Discover it Cash Back, which offers 5% cash back on everyday purchases in rotating categories each quarter, and the Chase Freedom Unlimited, which offers 5% cash back on travel purchased through Chase Travel.

Here are some key features of these credit cards to keep in mind:

Ultimately, the best credit card for Black Friday shopping will depend on your individual spending habits and preferences. Be sure to read the terms and conditions of each card to ensure you understand the rewards structure and any potential fees.

Balance transfer and fees can be a real gotcha, especially on Black Friday credit card deals.

Intro fees are a big deal, and some cards charge an intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening.

After the intro period, the fee jumps to either $5 or 5% of the amount of each transfer, whichever is greater. This can add up quickly, so be sure to check the fine print.

If you're planning to transfer a balance, make sure you understand the fees involved to avoid any surprises.

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If you do most of your Black Friday and Cyber Monday shopping at Amazon.com, consider the Discover it Cash Back card. This card offers 5% cash back on up to $1,500 in cumulative spending on purchases for the quarter, then 1%, at Amazon.com and Target through Dec. 31.

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Before shopping online, check if your desired store is available on an online shopping portal. You can earn bonus rewards by logging in to your account, choosing an item to purchase from participating retailers, and making the purchase through the portal. Many loyalty programs, such as American Airlines' AAdvantage, have their own exclusive portals.

To maximize your rewards, use a credit card with a shopping portal, like American Express, Chase, or Capital One. You can also use a cash back site like Rakuten or TopCashback if your credit card doesn't have a shopping portal. Shopping portals let you "double-dip" on your rewards, earning bonus rewards in addition to your credit card rewards.

Here are some top credit cards for Amazon shopping:

If you're an Amazon shopper, you'll want to consider a few different card options to maximize your rewards. The Discover it Cash Back card offers 5% cash back at Amazon.com, but you'll need to enroll to earn this rate.

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You can also earn 5% cash back on Amazon purchases with the Prime Visa card, which also offers 2% cash back at restaurants and gas stations, and 1% cash back on all other purchases. Plus, you'll get 10% cash back or more on a rotating selection of items and categories on Amazon.com.

If you have an Amazon Prime membership, the Amazon Prime Rewards Visa Signature Card is a great option. This card comes with no annual fee, but you'll need to have a Prime membership to get it. You'll earn 5% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases.

Here are some key benefits of the Amazon Prime Rewards Visa Signature Card:

Online shopping portals are a game-changer for anyone who shops online frequently. Many loyalty programs, such as American Airlines' AAdvantage, have their own exclusive portals, allowing you to earn points or miles with your favorite airline or credit card program.

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You can use a shopping portal aggregator like Cashback Monitor or Evreward to search for the store you want and compare the current bonuses. Payouts change frequently and vary among programs, so it's essential to shop through the portal with the best payout.

Shopping portals are easy to use - just log in to your account, choose an item to purchase from participating retailers, and earn bonus rewards on top of what you'd earn with your credit card. Some portals even offer Chrome extensions that notify you when you visit a website eligible for extra rewards.

Some credit card issuers, like American Express, Chase, and Capital One, offer their own shopping portals that let you "double-dip" on your rewards. If your credit card doesn't have a shopping portal, you can also use a cash back site like Rakuten or TopCashback.

New Rakuten users can get a $40 bonus after spending $40 within 90 days of signing up, which could be better than any bonus miles or cash back you'd earn with a different site.

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If you're not sold on the Discover it Cash Back, there are other credit cards worth considering. The Discover it Cash Back offers a 0% intro APR for 15 months on purchases, after which the APR jumps to 18.24% to 27.24% Standard Variable Purchase APR, based on credit worthiness.

You can also take advantage of other credit cards with similar benefits. For example, you can earn 5% cash back on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate.

Some credit cards have higher intro balance transfer fees, such as the Discover it Cash Back, which has a 3% intro balance transfer fee. Others may have higher fees for future balance transfers, up to 5%.

If you're looking for a credit card with no annual fee, the Discover it Cash Back is a great option. You can start shopping and earning rewards in minutes with their digital card, before your physical card arrives in the mail.

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Here's a quick rundown of some of the standout benefits of the Discover it Cash Back:

You can earn extra points on your purchases through credit card shopping portals, just like airline and hotel programs. Some popular bank portals include Capital One Shopping, Shop Through Chase, Barclays RewardsBoost, and Wells Fargo Rewards.

Capital One Shopping, for example, earns cash back that can be redeemed for gift cards. Shop Through Chase, on the other hand, offers earning rates that may vary depending on the Chase account you're signed into.

To maximize your points, choose the credit card that will earn you the most rewards based on what you're buying. The Citi Double Cash Card, for instance, earns 2% cash back on all purchases.

Strategic spending can also boost your rewards. For example, earning 2% cash back on all purchases with the Citi Double Cash Card means you'll earn 1% when you buy and 1% when you pay.

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You can also earn a welcome bonus, which can be a great way to get started with credit card rewards. Some cards, like the one mentioned in Example 4, offer an instant $100 Amazon gift card upon approval.

Consider signing up for multiple cards with generous sign-up bonus offers to earn more rewards. For example, if one card lets you earn a bonus for spending just $500 within three months of account opening, you may be able to sign up for a second card and earn a second bonus.

Here are some popular bank portals to consider:

The right credit card for you depends on your spending habits. Consider your shopping habits and choose a card that aligns with them.

If you want to pay down your balance right away, look for a card with a 0% introductory APR. This can help you save money on interest charges.

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If you're looking for a simple cash rewards card, the Wells Fargo Active Cash Card is a great option. It offers a flat-rate 2% unlimited cash rewards on all purchases and $0 annual fee.

One of the biggest benefits of this card is the high flat-rate return on all purchases, which can really add up over time. No annual fee means you won't have to worry about paying extra just to use the card.

The Wells Fargo Active Cash Card also offers intro-APR for purchases and qualifying balance transfers for a year, which can be a huge help if you need to finance a big purchase or pay off debt. This can give you some extra time to pay off your balance without incurring interest charges.

While the Wells Fargo Active Cash Card has its benefits, it's worth noting that the American Express card has a valuable welcome bonus and high rewards rates. However, it also has a foreign transaction fee, which can be a drawback if you travel frequently.

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Here are some key pros and cons of these cards:

Making a list and budgeting early is a great way to start the holiday season. This allows you to make sure any big-ticket items are on your shopping list for Amazon Black Friday deals.

There are three reasons to make a list and budget early. The first is to ensure you don't miss out on Amazon Black Friday deals for big-ticket items like electronics or expensive toys.

Shopping early also means you can save by choosing slower shipping options with better built-in rewards. This can be a great way to stretch your holiday budget further.

By drafting a budget, you can stick to it throughout the season and avoid overspending.

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If you're looking for a credit card that can help you earn cash back on your Black Friday purchases, there are several options to consider. The U.S. Bank Cash+ Visa Signature Card offers 5% cash back on combined eligible purchases in two categories you choose each quarter, with no annual fee.

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The Capital One Savor Cash Rewards Credit Card is another great option, offering 3% cash back on entertainment, dining, and popular streaming services, with no annual fee. You can also earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.

Here are some specific credit cards that are worth considering:

These cards can help you earn cash back on your Black Friday purchases, but be sure to read the terms and conditions carefully to ensure you understand the benefits and drawbacks of each card.

The U.S. Bank Visa Signature Card is a great option for those who want to earn cash back on their purchases. It offers 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose.

You can choose department stores and select clothing stores as your 5% bonus categories, which will allow you to earn extra cash back at many of the most popular retailers. This makes it ideal for holiday shoppers who like to do most of their buying at department stores.

To earn the 5% cash back, you need to spend $1,000 in eligible purchases within the first 90 days of account opening to get a $200 bonus. This is a relatively low spending requirement to earn a good welcome bonus.

The card has no annual fee, which is a big plus. However, it does come with a 3% foreign transaction fee, so you'll want to avoid using it when traveling abroad.

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The Capital One Savor Cash Rewards Credit Card is a top pick for those who enjoy dining out and entertainment. It offers 3% cash back on entertainment, dining, and popular streaming services, making it an ideal choice for those who prefer to spend their money on experiences rather than gifts. This card also has no annual fee and a 0% intro APR on purchases and balance transfers for 15 months.