Best Credit Cards for Avoiding Interest on Holiday PurchasesWhile 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 a time of giving, but it can also be expensive. Whether you’re purchasing gifts for your immediate family or hosting a feast for your family and friends, there may be some unexpected expenses you have to cover. While you can always reach for your current credit card, chances are you will find yourself paying interest if you don’t pay off the balance before the statement closes. If you need some extra time to avoid interest on your holiday purchases, look into one of the 0% APR credit cards. These cards not only provide you with 0% intro APRs on purchases for up to 18 months, but some cards also offer cash back rewards, allowing you to make the most of your holiday shopping. Keep reading to see our list of the best credit cards for avoiding interest on holiday purchases.

Best Credit Cards for Avoiding Interest on Holiday Purchases

Cards with a combination of cash rewards and 0% intro APRs

Using a cash back credit card that offers a 0% intro APR on purchases makes sense for holiday shopping because it allows you to spread the spirit of the season, earn cash back on your festive purchases and avoid a hefty interest bill. Here are our top picks for cards with a combination of cash rewards and 0% intro APRs.

Chase Freedom – $150 Bonus

Chase Freedom®Chase Freedom – $150 Bonus offers the perfect combination of cash back and a long 0% intro APR. Kicking things off is a 15-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee, $5 minimum). Next, cardholders will earn 5% cash back on rotating bonus categories (up to $1,500 in combined purchases, then it’s 1% back) and 1% on all other purchases. You’re required to activate the 5% back categories every quarter, but Chase will text or email you when it’s time. As if that isn’t enough, cardholders who spend $500 on purchases within the first 3 months from account opening will earn a $150 bonus! Rounding out Chase Freedom – $150 Bonus, which requires good credit (usually considered a credit score of 700 of higher) for approval, is no annual fee.

Discover it Cash Back

Discover it® Cash BackWant to avoid interest on purchases and get some stellar cash back rewards? If so, Discover it Cash Back is your card. That’s because this card offers a 14-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee), and from now through December of 2017, you’ll earn 5% back on Amazon.com and Target purchases (up to the quarterly maximum, currently $1,500, then it’s 1% back). These categories rotate on a quarterly basis, so you’ll earn 5% on a variety of categories throughout the year. You must activate the 5% rewards every quarter, but Discover will remind you to do so. On top of that, Discover matches all of the cash back you’ve earned at the end of your first year as a cardholder, so if you earn $500 cash back in the first year, Discover will match that and give you a total of $1,000 back. The Cashback Match bonus means you’re effectively earning 10% back on rotating categories and 2% on all other purchases for the first year. Discover it Cash Back also has no annual fee and no foreign transaction fees. What’s more, Discover offers a handful of perks to its cardholders, including free identity theft protection alerts and special deals and discounts on travel, entertainment, fashion and more, and Discover it Cash Back is available to those with average to excellent credit (usually considered a credit score of 670 or higher).

Blue Cash Preferred Card from American Express

Blue Cash Preferred® Card from American ExpressPlanning to cook for the whole family and want to avoid interest on the hefty grocery bill? The Blue Cash Preferred Card from American Express (a NextAdvisor advertiser) is your best bet. That’s because this card not only offers a 12-month 0% intro APR on purchases and balance transfers (with a $5 or 3% balance transfer fee, whichever is greater), but it also earns a whopping 6% cash back at U.S. supermarkets (up to $6,000/year in purchases, then it’s 1% back), 3% back at U.S. gas stations and select U.S. department stores and 1% on all other purchases. And when you spend $1,000 on purchases within the first 3 months of account opening, you’ll get a $200 statement credit. Although the Blue Cash Preferred Card from American Express has a $95 annual fee, the card does earn some impressive cash back on everyday purchases, which means it could make sense for those who frequent the grocery store, gas station or department stores. Still, if you can’t get past the annual fee, you may want to look into its sister card, the Blue Cash Everyday Card from American Express, which earns comparable rewards, offers a $150 intro bonus opportunity and has no annual fee. Both cards are available to those with good to excellent credit.

The holiday season can be a financially stressful time, but it doesn’t have to be if you’re using one of the best credit cards for avoiding interest on your holiday purchases. Want to learn more about the cards detailed in this post? Check out our 0 interest credit cards to see what sets these cards apart from other top names on the market.

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.