During the holiday season, you might spend more than usual, to buy gifts for family and friends, pay for travel and dining out. But among all the joy, remember that you can also use credit cards to pay back some of their own expenses and softening holiday financial hit.

Cash back credit cards can be used at any time of year, but the festival is a good time to pick a card, we will reward you with cash for the return of the proportion of dollar you spend CreditCards .com industry analyst Ted Rothman said. Card shop that specializes in providing incentives in the fourth quarter shopping, for example, you can get as much time on your gift buying 5%, he said, citing chapter and found it to ASE freedom Visa cash back card.

Cash back card is not as complex as some of the travel rewards cards, Rothman said. The elderly, in fact, tend to cash back cards many young people do, according to a study by the CreditCards.com. “It’s not that hard to get a good deal,” he said.

Of course, it’s ideal for your credit card balance in full each month. If you can not, you may be hit with interest rates as high as 17% ~ 25%, far beyond any cash back earnings. When choosing the best cash back cards give you, carefully compare discount. Think about how you actually spend your money. If your card does not provide consumer of your most frequent category cash back, then your return will not add up to much. “When the selection of suitable Crediton T card, you know, you want something out,” In the CompareCards.com chief industry analyst Matt Schultz said.

Consider cash back card is a “super simple,” Rothman said. Citigroup double cash MasterCard, for example, to -12% of your everything back%, ​​and 1% when you buy, when you pay off, and no annual fee. Alternatively, you can juggle multiple cards may provide specific categories, such as catering or tourism, but get everything back to 2 per cent higher pay less complex, still an attractive return.

Can not find your card

Beginning through the website, such as CreditCards.com, CompareCards.com, Bankrate.com and point review of GuyCredit card information.

There are some outstanding when it comes to cash back cards to consider. To Do uble cash card like Citigroup, Fidelity’s Visa Signature bonus payment of 2% flat on all purchases. Please note that you must deposit your card incentives for Fidelity account, such as your IRA or 529 college savings accounts.

PayPal online payment is increasingly accepted, and many brick and mortar stores, and everywhere use Paypal MasterCard to pay a 2% cash back, Rothman said. The capital of a mercury visas to everything you 1.5% cash back. If you usually during the holidays, when dining out, you can add to your shopping and enjoy the company Capital One MasterCard reward incentives. You can earn 4% in restaurants, and $ 95 annual fee the first year was abandoned.

Find registration bonus, if you do a lot of holiday shopping, it may be very easy trap. Chase Free DOM, for example, offer signup bonus of $ 150, if you spend $ 500 within 90 days. “A lot of this comes down to just maximize the money you would spend anyway,” Rothman said.

Regardless of card you choose, be sure to carefully read the fine print. This finding it card, for example, cash back when you buy online at Walmart.com, rather than if you buy from Wal-Mart Stores, Rothman said. Other cards may only waive the annual fee the first year, or restricted cash back.