cash back credit cards for holiday shoppingWhile this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs.

The holiday season is almost here, which means it’s time for cozy fires, holiday parties and egg nog. While you’re planning your holiday shopping list this year, you should also be considering the best way to to pay for your purchases. To help you with the planning process, we detailed the best cash back credit cards for holiday shopping.

Why should I pay for my holiday purchases with a credit card?

Although you may be tempted to reach for your debit card, you’ll want to think twice before you start swiping and consider using a credit card instead. Credit cards are not only a more secure way to pay for your purchases, but they can also earn you rewards like travel or cash back. In fact, a handful of major credit cards actually gear their rewards toward holiday spenders, which means you’re getting the best rewards on your holiday-related purchases through the end of the year. And since these are purchases you’re already planning to make, it makes sense to use a cash back credit card to spread some holiday cheer, as you’ll be getting cash for purchases you’re going to make either way. As an added bonus, a majority of the cards detailed below also offer 0% intro APRs on purchases, which means you won’t pay an interest on your holiday purchases or any other purchases you make with these cards until 2017 or later.

Best cash back credit cards for holiday shopping

With so many credit cards on the market, it can be hard to find the best option for your holiday shopping. These are the best cash back credit cards for all your holiday purchases.

Best for gift purchases

Blue Cash Everyday Card from American Express

Blue Cash Everyday® Card from American ExpressThe Blue Cash Everyday Card from American Express (a NextAdvisor advertiser) offers top-notch cash back rewards and a generous intro bonus. When you spend $1,000 in the first 3 months of card membership, you’ll earn a $150 bonus! In terms of ongoing rewards, you’ll earn 3% cash back at U.S. supermarkets (up to $6,000/year in purchases, then it’s 1%), 2% back at U.S. gas stations and select U.S. department stores and 1% on all other purchases. What’s more, these categories do not rotate, which means you’ll always earn cash back on groceries and gas. As if that isn’t enough, you’ll pay no annual fee and get a 15-month 0% intro APR on purchases or balance transfers (with a 3% balance transfer fee).

Discover it Cash Back

Discover it® Cash BackWhether you’re purchasing gifts for the whole family or just a couple of friends, Discover it Cash Back is a great shopping companion. From now through Dec. 31, 2016, you’ll earn 5% cash back in rotating categories (up to $1,500 in combined purchases, then it’s 1%) as well as an ongoing 1% cash back on all other purchases. Something to note is that the 5% categories change quarterly, which means you’ll need to sign up to earn the 5% rewards each quarter, but Discover’s reminders will help you remember to do so. To sweeten the deal, Discover matches all of the cash back you’ve earned at the end of your first year of card membership. For example, if you earn $500 in your first year of card membership, Discover will match that amount and give you $1,000! This means you’re essentially earning 10% in rotating categories and 2% on all other purchases during your first year as a cardholder. On top of that, you’ll pay no annual fee and get a 14-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee). And since Discover is J.D. Power’s top-rated credit card provider for customer satisfaction, you can expect top-notch customer service. Last but not least, unlike the other cards on this list, Discover it Cash Back requires a credit rating of average, good or excellent for approval, which means those with less-than-perfect credit are more likely to be approved.

Chase Freedom – $150 Bonus

Chase Freedom®Another great option for all of your gift purchases is Chase Freedom – $150 Bonus. That’s because from now through the end of 2016, this card earns you 5% cash back at department stores, wholesale clubs (Costco, Sam’s Club and BJ’s) and drug stores (up to $1,500 in combined purchases, then it’s 1%) as well as an ongoing 1% on all other purchases. It’s important to note that the 5% cash back categories rotate on a quarterly basis, which means you’ll need to enroll each quarter to take advantage of them, but that’s easy to do with Chase’s reminders. Next, when you spend $500 on purchases in the first 3 months from account opening, you’ll get a $150 bonus — that’s a 30% bonus — which is something that can definitely add some cheer to your holiday season. Chase Freedom – $150 Bonus cardholders will also get a 15-month 0% intro APR on purchases and balance transfers (with a 5% balance transfer fee). Rounding out the card are no annual fee and a handful of redemption options, including statement credit, direct deposit or gift cards, as well as the option to redeem them for travel by combining your cash back rewards with your rewards from a Chase card that earns Ultimate rewards, like Chase Sapphire Preferred.

Best for groceries

Blue Cash Preferred Card from American Express

Blue Cash Preferred® Card from American ExpressIf you’re cooking the holiday feast or traveling to your family’s festivities, you’ll want the Blue Cash Preferred Card from American Express in your wallet. This card earns you a whopping 6% cash back at U.S. supermarkets (up to $6,000/year, then it’s 1% back), 3% at U.S. gas stations and select U.S. department stores and 1% on all other purchases. And since none of these categories change, you don’t have to worry about keeping track of rotating rewards or enrollment periods after the holiday season is over. Plus, when you spend $1,000 on purchases in the first 3 months, you’ll get a $200 bonus! The Blue Cash Preferred Card from American Express also has a 12-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee), making your season joyful because you don’t have to pay any interest on your holiday purchases. If the $95 annual fee is a deal-breaker, you may want to consider the Blue Cash Everyday Card from American Express (detailed above) which has no annual fee, offers comparable rewards (3% on groceries, 2% on gas and 1% on all other purchases) and includes a generous intro bonus.

Bank of America Cash Rewards Credit Card

Bank of America® Cash Rewards credit cardThose who prefer to do their holiday grocery shopping at wholesale clubs and grocery stores or plan to do a lot of driving this holiday season will appreciate the rewards of the Bank of America Cash Rewards Credit Card. To start, you’ll get 3% cash back on gas and 2% back at grocery stores and wholesale clubs (up to $2,500 in combined grocery/wholesale club/gas purchases each quarter, then it’s 1%) as well as 1% on all other purchases. And since these categories don’t rotate, you can know that you’ll earn the same cash back percentages long after the holiday season has passed. Next, when you spend $500 on purchases in the first 90 days of account opening, you’ll get a $150 online cash rewards bonus. On top of that, you’ll pay no annual fee and get a 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee) for 12 billing cycles. Bank of America banking customers will also get a 10% customer bonus every time they redeem their rewards for cash back into their Bank of America checking or savings account — Preferred Rewards clients can increase that bonus to 25%, 50% or 75%.

Best for all purchases

Chase Freedom Unlimited

Chase Freedom Unlimited®If you’re the kind of holiday shopper that frequents a number of different online and brick-and-mortar stores, you’ll likely want a card that earns you a flat rate on all of your purchases. Chase Freedom Unlimited does exactly that, as you’ll earn an unlimited 1.5% cash back on every purchase. And when you spend $500 on purchases in the first 3 months from account opening, you’ll get a $150 bonus — that’s 30% back! As if that isn’t enough, Chase Freedom Unlimited also has no annual fee and a 15-month 0% intro APR on purchases and balance transfers (with a 5% balance transfer fee).

Citi Double Cash Card – 18 month BT

Citi® Double Cash CardAnother card for those who want to earn a flat rate on every purchase is the Citi Double Cash Card – 18 month BT (a NextAdvisor advertiser). This card offers a unique way to earn cash back, as you get 1% when you make a purchase and an additional 1% when you pay for the purchase, bringing that total to 2% on everything you buy. Although this card doesn’t offer an intro bonus or a 0% intro APR on purchases like the other cards on this list, it does have an 18-month 0% intro APR on balance transfers (with a 3% balance transfer fee), which can be helpful if you’re carrying a balance on another credit card. Rounding out the Citi Double Cash Card – 18 month BT is no annual fee.

Visit our cash back credit card reviews to learn more about these cards and other top options.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.