The holiday season is here, which means you’re probably thinking about what purchases you’ll be making during the winter months — assuming you haven’t already started your shopping. Before you hit the mall or your favorite retail sites, first you’ll want to add a new credit card to your shopping list. While you may be tempted to reach for your current credit card, debit card or cash to fund your holiday purchases, you’re doing yourself a disservice by using those payment options. That’s because now’s the time when credit card offers are the most competitive. This means by getting a new credit card, you can earn a high intro bonus, get the most cash back on your holiday purchases and more! Not sure which cards are best for the holiday season? We detail the best options below.

Earn a high intro bonus

You can technically earn an intro bonus during any time of the year, but it makes the most sense to get a card with a high intro bonus during the holiday season, as it’s the spending season of the year. And since the average American spends nearly $1,000 on holiday purchases, according to the National Retail Federation, you’ll be able to earn an intro bonus in no time, especially if you also use it for your monthly expenses. If you want to earn one of the highest intro bonuses available right now, consider one of the following cards.

Capital One Savor Cash Rewards Credit Card

Why Now's The Perfect Time to Get a New Credit CardWhen it comes to cash back cards with an intro bonus, you can’t get any better than the Capital One Savor Cash Rewards Credit Card. That’s because this card earns the highest intro bonus of any cash back credit card we review. Cardholders will earn a $500 bonus after spending $3,000 on purchases in the first 3 months. The ongoing rewards are equally as impressive, as you’ll earn an unlimited 4% cash back on dining and entertainment, 2% cash back at grocery stores and 1% cash back on all other purchases. The entertainment category includes purchases at movie theaters, tourist attractions, live theater, amusement parks, zoos and more. This combination of categories (dining, entertainment and groceries) makes the Capital One Savor Cash Rewards Credit Card the perfect option for your holiday gatherings and beyond. The card also has no foreign transaction fees, meaning it’s a card worth taking overseas, and a $0 intro annual fee (after that, it’s $95/year). On the downside, it doesn’t offer a 0% intro APR, which is something that can really be helpful for your holiday shopping.

If you’d prefer a card with no annual fee and a 0% intro APR opportunity, consider the Capital One SavorOne Cash Rewards Credit Card. In addition to no annual fee and a 15-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee), it earns an unlimited 3% cash back on dining and entertainment, 2% cash back at grocery stores and 1% cash back on all other purchases. It also has a $150 bonus that you can earn after spending $500 on purchases in the first 3 months. Both cards are available to those with good to excellent credit (usually considered a credit score of 700 or higher). Rewards earned with either card can be used in the form of check, gift card or statement credit.

Bank of America Cash Rewards Credit Card

Why Now's The Perfect Time to Get a New Credit CardAnother card with a stellar intro bonus is the Bank of America Cash Rewards Credit Card, as cardholders who spend just $500 on purchases in the first 90 days will earn a $200 cash rewards bonus! This card is also perfect for all of your holiday grocery purchases and any road trips to grandmother’s house (or to see any of your other family or friends). You’ll earn 3% cash back on gas and 2% cash back at grocery stores and wholesale clubs (up to the first $2,500/quarter in combined gas/grocery/wholesale club purchases. All other purchases earn 1% cash back. In addition to charging no annual fee, the Bank of America Cash Rewards Credit Card offers a 12-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee, $10 minimum). Rewards earned with the Bank of America Cash Rewards Credit Card can be used for a check or statement credit. Bank of America banking customers can also redeem their cash rewards for an electronic deposit into their checking or savings account. In fact, doing so will earn you a 10% customer bonus on every redemption — Premium Rewards customers can earn a bonus of 25% to 75%! The Bank of America Cash Rewards Credit Card, which is available to those with good to excellent credit (usually considered a credit score of 700 or higher), also has no annual fee.

Maximize your holiday purchases

Whether you do your holiday shopping on Amazon.com or you prefer brick-and-mortar stores, there’s a credit card out there that will earn cash back on your purchases. Using a cash back credit card on your holiday purchases will help you maximize your purchases, meaning you will earn rewards on purchases you’re already planning to make. If you to reward yourself for spreading some holiday cheer, these are the cards you’ll want in your wallet.

Discover it Cash Back

Why Now's The Perfect Time to Get a New Credit CardIf you’re an Amazon.com shopper, the Discover it Cash Back card should be in your wallet, as it earns 5% cash back on Amazon.com and wholesale club purchases from now through Dec. 31, 2018 (up to the quarterly maximum, currently $1,500, then it’s 1% back) and 1% cash back on all other purchases. The 5% categories rotate quarterly, which means they will change starting Jan. 1, 2019, and you’re required to activate them every quarter, but you can earn some serious cash with Discover it Cash Back. For example, if you max out the 5% cash back on Amazon.com and wholesale club purchases, you’ll earn $75 just on those category purchases! What’s more, Discover will match all of the cash back you earn in the first year of card ownership. This means if you earn $300 cash back in the first year, Discover will match that $300 to give you a total of $600 back! If you apply for the Discover it Cash Back card now, you can use your Cashback Match bonus to cover next year’s holiday purchases! Rewards earned with the Discover it Cash Back card can be redeemed for a statement credit,  gift cards or a charitable donation. They can also be deposited into your bank account or used via Amazon.com. On top of that, cardholders will get a 14-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee). After the intro APR expires, a go-to variable rate applies. As if that isn’t enough, the card has no annual fee and no foreign transaction fees! Discover it Cash Back requires average to excellent credit for approval (usually considered a credit score of 700 or higher) and comes with a whole host of perks, including free social security alerts, a free monthly FICO score and more!

Wells Fargo Cash Wise Visa Card

Why Now's The Perfect Time to Get a New Credit CardThose who do their holiday shopping at a number of different websites and stores will get the most bang for their buck with the Wells Fargo Cash Wise Visa Card. This card earns an unlimited 1.5% cash back on all purchases and offers a $200 cash rewards bonus to cardholders who spend $1,000 on purchases in the first 3 months, two perks that will absolutely benefit holiday shoppers. Cardholders who use mobile wallets (e.g., Apple Pay or Google Pay) will earn 1.8% on qualifying mobile wallet purchases made in the first 12 months. Rewards earned with this card can be redeemed via a direct deposit into a Wells Fargo checking or savings account, at a Wells Fargo ATM or via a physical check. Want to avoid interest on your holiday purchases? The Wells Fargo Cash Wise Visa Card has you covered with a 12-month 0% intro APR on purchases and balance transfers (with an intro balance transfer fee of 3% for 12 months, then it’s 5%). It also has no annual fee and requires good to excellent credit to qualify (usually considered a credit score of 700 or higher). Finally, Wells Fargo Cash Wise Visa Card holders who use their card to pay their monthly cell phone bill will be rewarded with up to $600 in mobile protection against covered damage and theft (with a $25 deductible per claim and up to 2 claims per year).

Putting off credit card interest

Paying credit card interest is a drag, especially when you’re trying to share some holiday cheer. That’s where a low APR credit card comes in. With one of the following cards, you’ll be able to avoid credit card interest on your holiday purchases until 2020!

BankAmericard credit card

Why Now's The Perfect Time to Get a New Credit CardAvoiding interest is easy with the BankAmericard credit card because it offers an 18-month 0% intro APR on purchases and on balance transfers made in the first 60 days (with a 3% balance transfer fee, $10 minimum). This card doesn’t earn rewards like the previously mentioned cards, but it does have no annual fee and no penalty APRs, which means paying late won’t increase your APR. The BankAmericard credit card, which is available to those with good to excellent credit (usually considered a credit score of 700 or higher), also provides cardholders with a monthly FICO score for free and a number of online credit education tools.

Wells Fargo Platinum Visa Card

Why Now's The Perfect Time to Get a New Credit CardThe Wells Fargo Platinum Visa Card is another option with a long 0% intro APR opportunity. You’ll receive an 18-month 0% intro APR on purchases and on balance transfers made within the first 120 days of account opening (with an intro balance transfer fee of 3% for 18 months, then it’s 5%). Cardholders will pay no annual fee and get up to $600 mobile protection against covered damage or theft when they use their Wells Fargo Platinum Visa Card to pay their monthly cell phone bill (with a $25 deductible and a maximum of 2 claims per year). The Wells Fargo Platinum Visa Card is available to those with good to excellent credit (usually considered a credit score of 700 or higher) and provides cardholders with budget and money management tools, along with free access to their FICO score.

The holiday season can be stressful, but if you have the right credit card as your shopping companion, you can really make the most of all of your seasonal purchases. Visit our reviews of the best credit cards to learn more about the cards detailed in this post and their competitors.

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.