Charging Holiday Purchases? Why You May Need A New Credit Card

by contentwriter

Author: Geoffrey Wright

With the holiday in full swing, millions nationwide will be shopping for gifts for friends and family. 

That said, using a new credit card to charge these holiday purchases can help you earn terrific bonuses and discount benefits, which can help relieve the financial burdens accompanying the holidays. 

This article will examine why opening a new credit card for your holiday expenses may be a wise choice.

Let’s get started!

Earn Signup Rewards

Many credit companies provide big signup bonuses for new signees. Although to qualify, you’ll need to meet specific spending criteria. For instance, you can win significant airline miles and shopping cashback if you spend $1000 within the first three months of opening your credit card.

While it may be hard to meet qualifications like this on average, the extra holiday expenses could boost your chances of making the cut and earning signup rewards quickly. 

Nevertheless, if you already plan to spend a lot this holiday, you can use this opportunity to earn generous bonuses and shopping rewards.

Claim Extra Discounts 

A cashback credit card assures you of a discount on qualifying purchases you make. Your provider returns a percentage of the money you spent for every eligible payment made. 

So if you’re looking for a new cashback card, sign up for one that provides a fantastic cash reward or a signup bonus.

Low APR Card

Sometimes we don’t have enough money to cover the essential items we want to buy, and borrowing or cutting expenses isn’t feasible. However, applying for a 0% APR credit card can help you.

A 0% APR card will allow you to pay zero interest fees on payments for a specific period after newly opening the card. 

If you hold yourself to paying your card debt off ultimately before interest rates begin to apply, you can conveniently cover your holiday expenses without taking on extra costs.

Save Up For Your Next Vacation

Opening a travel credit card for your next dream holiday can be a great way to cut back on the trip’s costs. With one, you can receive hotel points and airline miles, which you can redeem at authorized travel programs and locations.

When searching for the right travel credit card, it’s best to describe your trip and plans in as much detail as possible to your preferred provider. That enables you to select a credit card best tailored to your spending plans.

Earn Rewards For Your Loyalty

If you’re a frequent shopper at a particular store or shop, charging your purchases to branded retail credit cards can earn you discounts, bonuses, and convertible reward points. 

Qualifying for retail credit cards is much easier than other reward cards, even for people with unattractive credit scores, and they charge little to zero fees annually. However, interest rates may be higher, and the rewards points awarded may be less flexible.


If you’re disciplined enough to repay your credit card debt before interest rates catch up, getting a new credit card that rewards you for your actions can help you save and earn during the holiday.

However, if you’re running behind on your other credit card balances, you may lay off any credit card applications until you’ve cleared your debt. 


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