Best credit cards for holiday shopping: Maximize cash back on deals - Business Insider

: 2% back on all purchases — 1% when you make a purchase and another 1% when you pay it off

Bank of America Cash Rewards credit card: 3% back in a category of your choosing and 2% back at grocery stores and wholesale clubs on a combined $2,500 in spending each quarter; 1% back on other purchases: Only 1 point per dollar, but if offers purchase protection so it's a good option for expensive items.

With the holidays well on their way and your time left to shop slowly dwindling, you're probably looking for ways to save money and maximize your spending. It always makes sense to shop around forright rewards credit card , you'll earn cash back or free travel for each dollar you spend. And many credit cards offer valuable consumer protections that can help you save money and protect you against loss or damage. So before you hit the stores or start browsing the web, it pays to figure out if you have the right card for your needs

Keep in mind that we're focusing on the rewards and perks that make these credit cards great options, not things like interest rates and late fees, which will far outweigh the value of any points or miles. It's important to practice financial discipline when using credit cards by paying your balances in full each month, making payments on time, and only spending what you can afford to pay back.

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