Should you use points for holiday shopping? Consider your options - Business Insider

Varying percentages and rotating calendar categories require extra attentionIf you want to earn points as you shop for the holidays but also save money in the end, consider signing up for a rewards credit card that lets you score ais an excellent option for this strategy, since you can earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening, and you can also earn 5% cash back on up to $1,500 in quarterly bonus categories after activation , 5% back on...

. This means you could pay off your holiday purchases for 15 months without any interest, leading to more potential savings.There's no 'right' way to use your points If you're planning to spend money on holiday gifts or splurges for yourself this year, it's smart to take stock of your credit card rewards to see how they can help you. You may be able to cash in points for gifts you couldn't otherwise afford, or for gift cards you can give or use to buy gifts your family and friends will love.

However, it could make more sense to sign up for a new credit card and use it for holiday purchases so you can earn a big welcome bonus. If you start working toward the minimum spending requirement now, you could even parlay the points or cash back you earn more into gifts for loved ones on your list.

Just remember that, when it comes to using a credit card for rewards, it's crucial to pay off your balance each month and avoid interest at all costs. At the end of the day, you'll only end up "ahead" with rewards if you stay out of debt.

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