Save money on your holiday purchases with these offers

The post is updated with new information and offers on a regular basis.

You might be planning your shopping strategy for the holidays. There are ways to save money on these purchases.

A lot of attention is given to some credit card perks. Lounge access, avoiding checked bag fees, and elite status are things you should think about. There are other benefits on your credit cards that can help you save money during the holidays. These can be offered in the form of spending credits.

If you already have a credit card in your wallet, you can use the benefits to save money during the holiday season.

Offers from credit card issuers

Credit card issuers have offers programs. Deals can be added to your credit card through targeted promotions.

If you add an offer to your card and use it to make a purchase with the merchant, you can receive a bonus. These come in a number of different formats.

• Spend X amount of money, receive Y amount of money back.
• Spend X amount of money, get Y% back.
• Spend X amount of money, get Y number of bonus points.
• Get extra bonus points for each dollar spent with a particular merchant.

All of the offers need to be added to your credit card in advance. You will need to use the same credit card for eligible purchases with the merchant participating in the offer.

Credit card merchant offers can save you a lot of money.

It's important to read the terms of offers to make sure your purchases will Trigger the offer, such as needing to pay at the pump on most gas station offers.

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These are targeted offers. Not everyone will get the same offers, and there may be different offers for different banks.

You can find the best travel offers on credit cards this month.

Amex Offers

Amex offers are the most well-known of the merchant offers. When you enroll in an offer, the amount of time you have is usually longer than with other merchants. Many offers from American Express allow you to complete the spending requirements over multiple transactions instead of having to spend all of the required amount in one purchase.

There is a guide to saving money with Amex offers.

Here are a few of the best offers we're seeing at the moment.

• Sephora: Get 5 bonus points per dollar, with a maximum of 1,500 points (expires Nov. 30, 2022).
• Apple Pay: Spend five times using Apple Pay, get $15 back (expires Nov. 30, 2022).
• eBay: Spend $15 or more, get $5 back (expires Dec. 19, 2022).
• Origins: Spend $75 or more, get $15 back (expires Dec. 25, 2022).
• Ralph Lauren: Spend $200 or more, get $40 back (expires Dec. 31, 2022).
• Bloomingdale's: Spend $75 or more, get $15 back (expires Dec. 31, 2022).
• H&M: Get 25% back on purchases, with a maximum of $10 back (expires Dec. 31, 2022).
• Macy's: Spend $60 or more, get $10 back (expires Dec. 31, 2022).
• Lululemon.com: Spend $100 or more, get $20 back or 2,000 bonus points (expires Jan. 31, 2023).
• Tommy Hilfiger: Spend $75 or more, get $25 back (expires Jan. 31, 2023).

You have to add the offers to your card before you make a purchase.

You can see which purchases qualify, whether purchases must be made in a certain channel, and whether you can use multiple purchases with that particular offer.

You can only have 100 new offers on an American Express credit card at a time. If you want to get more offers to show up, you have to wait for offers to expire or add some of your offers to a card.

It's possible to get more Amex offers on your card.

BankAmeriDeals

Those with Bank of America or Merrill Lynch credit cards can take advantage of BankAmeri Deals.

BankAmeriDeals cash-back deals have a full guide.

If you're wondering how to save money during the holidays, these are the best offers we're seeing right now that can put money back in your pocket.

• Overstock.com: 10% back on your first purchase, with a maximum of $45 back (expires Nov. 15, 2022).
• Zazzle: 10% back on your first purchase, with a maximum of $9 back (expires Nov. 19, 2022).
• Babbel: 10% back on your first purchase of a subscription service of at least $37.95, with a maximum of $9.50 back (expires Nov. 19, 2022).
• Godiva: 10% back on your first purchase, with a maximum of $13 back (expires Nov. 29, 2022).

Cash back on credit card purchases can be provided at eligible merchants. You need to add a deal to your card before you make a purchase.

You can read the terms of the offer if you click on it. If you add the offer to your card, it will say that it's valid on your first purchase.

Capital One Offers

Capital One offers can be used by credit card holders. Some of the best Capital One offers are here.

• Sam's Club: Up to 12% back (new memberships) or as low as 1.5% on standard purchases.
• H&M: 12% back.
• Apple: 3% back.
• Macy's: 5% back.
• Ulta Beauty: 7% back.
• Uniqlo: 6% back.
• Sephora: 5% back.
• The North Face: 15% back.
• Lego: Up to 6% back.
• Journeys: 12% back.

It is important to understand how Capital One offers work.

Save money with Capital One offers.

Capital One offers can be scrolled through or you can look for a merchant at the top of the screen. There are no deadlines for these offers on the main page.

Details are available if you click on an offer. The peculiarity of Capital One offers becomes evident here.

The "continue to merchant" link is located at the top of the offer details page. Many of the offers require you to use them within 24 hours, and if you back away from the link you follow, you won't receive the cash back.

Cookies are used to track your progress when you add an offer to a purchase. It works like a shopping portal in this way.

Chase Offers

Chase offers tend to have a shorter lifespan and don't apply across multiple charges. Chase offers are available on both personal and small business cards.

You have a guide to Chase offers.

These are the best offers that are currently on offer.

• Bloomingdale's: Get 15% back, with a maximum of $20 back (expires Nov. 24, 2022).
• Banana Republic: Get 15% back, with a maximum of $10 back (expires Nov. 24, 2022).
• Gap Factory: Get 20% back, with a maximum of $10 back (expires Nov. 24, 2022).
• Adidas.com: Get 10% back, with a maximum of $17 back (expires Nov. 28, 2022).
• The Art of Shaving: Get 10% back, with a maximum of $16 back (expires Dec. 8, 2022).
• Under Armour: Get 5% back, with a maximum of $6 back (expires Dec. 15, 2022).
• Callaway Golf: Get 10% back, with a maximum of $46 back (expires Dec. 15, 2022).
• Aeropostale.com: Get 10% back, with a maximum of $9 back (expires Dec. 31, 2022).
• Vineyard Vines: Get 10% back, with a maximum of $20 back (expires Dec. 31, 2022).

The offers clearly show how long the promotion will last. You will need to click on an offer to find more information.

You don't have to spend a lot of money to get a statement credit of 10% back on Shop Disney.com. There is a maximum amount of money you can get. No matter how much you spend, you won't get any money back because you maximized the offer.

Citi Merchant Offers

There is no list of which cards have access to merchant offers. Most Citi credit cards should be able to access these deals.

There are more cards added to the merchant offers.

Here's how to save money with some of the best offers on offer.

• Uber Eats: Spend $25 or more, get $10 back (expires Nov. 30, 2022).
• Sam's Club: Get 5% back on a single transaction (expires Nov. 30, 2022).
• GameStop: Get 3% back on a single transaction (expires Dec. 1, 2022).
• Men's Wearhouse: Get 3% back on a single transaction (expires Dec. 23, 2022).
• Aeropostale: Get 3% back on a single transaction (expires Dec. 23, 2022).
• Carter's OshKosh B'gosh: Get 2% back on a single transaction (expires Dec. 23, 2022).
• MACcosmetics.com: Get 4.5% back on a single transaction (expires Dec. 23, 2022).
• UrbanOutfitters.com: Get 3% back on a single transaction (expires Dec. 23, 2022).
• H&M: Get 2% back on a single transaction (expires Dec. 23, 2022).
• Tommy Hilfiger: Spend $75 or more, get $15 back (expires Dec. 31, 2022).

You can often add the same offer to more than one credit card, which is a good thing. Merchants that are near the mailing address are not very helpful on your next vacation.

You can see details when you click on an offer. The details will tell you if the offer can be used more than once. That includes both online and in person transactions.

Make sure to read the terms

It's important to understand the terms of the offers. This will make sure you get the credit or bonus points you are expecting.

There are a number of key items to look for.

• When the offer ends.
• Whether the offer applies to a single transaction or more than one.
• If there is a minimum spending amount required in order to receive the rebate or bonus points.
• What types of transactions are eligible and where those transactions must take place (online, limited numbers of stores, etc.).
• Whether the offer applies to purchases, subscription services or anything offered by that merchant.
• If certain products are excluded, such as gift cards.
• Whether you need to follow a special link when shopping with that merchant in order to receive the rebate.

Stack with shopping portals

Shopping portals are worth highlighting in their own section. Extra clicks can be used during your online shopping experience to get more rewards. A percent of cash back or bonus points can be used.

You can read the following articles for more information.

Use spending credits on your cards to cover gifts

You can get holiday gifts without spending your own money. Credit cards that give credits on a monthly, quarterly or yearly basis are worth considering. Two examples are available.

Each year, the Platinum Card from American Express gives up to $100 in shopping credits. It is available from January to June and July to December. If you purchase a gift for a friend or relative that costs $50 or less, you can get a statement credit from American Express and have no out-of-pocket expenses. It's necessary to enroll in advance for this benefit.

Travel credits can be up to $300 per year. If you purchase a bus pass, gift card for train rides or another travel themed gift for someone, you will receive reimbursement for your purchase.

Which purchases count as travel with the Chase reserve?

Giving gifts that cost you nothing in the end is a great way to save money during the holiday season.

You should use credit card perks this month.

Bottom line

It's not necessary to break the bank to give gifts for the holiday season. With these tips on how to save money during the holidays, you should have a better idea of how your credit cards can help.

Between credit card rebate offers, shopping portals and your credit card's built-in perks, you may be able to get extra rewards on your holiday purchases. If you stack all of these, you'll get bonus points if you buy a gift that doesn't cost you anything.

The additional reporting was done by the person.