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Best Credit Cards for Black Friday and Cyber Monday 2022

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As you gear up for holiday shopping, Black Friday and Cyber Monday are among the best times to find deals. If you're looking to make the most of your holiday shopping on these days, there are credit cards that can help you maximize your savings, earn bonuses and get rewards and other perks along the way.

5 Partner Offers

Our Picks for the Best Credit Cards for Black Friday and Cyber Monday
Capital One QuicksilverOne Cash Rewards Credit Card

Capital One QuicksilverOne Cash Rewards Credit Card

1.5% cash back on every purchase

Wells Fargo Active Cash<sup>®</sup> Card

Wells Fargo Active Cash® Card

2% cash back rewards on eligible purchases

$200 cash rewards bonus after spending $1,000 on purchases in the first 3 months from account opening

Rates and Fees

Wells Fargo Reflect<sup>®</sup> Card

Wells Fargo Reflect® Card

Intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period

Rates and Fees

Chase Freedom Flex℠

Chase Freedom Flex℠

5% cash back on rotating categories

5% cash back on travel purchased through Chase Ultimate Rewards®

3% cash back on dining and drugstores

1% cash back on all other eligible purchases

Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening

Chase Sapphire Preferred<sup>®</sup> Card

Chase Sapphire Preferred® Card

5 points per dollar spent on travel purchased through Chase Ultimate Rewards®

3 points per dollar spent on dining

2 points per dollar spent on all other travel

1 point per dollar spent on all other purchases

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Best for Fair Credit: Capital One QuicksilverOne Cash Rewards Credit Card

Most of the top credit cards for Black Friday and Cyber Monday are targeted to shoppers with good or excellent credit, which means you'll need a credit score of 670 or higher to have a good chance of approval.

If your credit falls into the fair FICO® Score range (580 to 669), consider the Capital One QuicksilverOne Cash Rewards Credit Card. You'll earn cash back and have the chance to build your credit with responsible card use.

The card offers a flat 1.5% cash back on every purchase you make, which matches some of the top cash back credit cards out there. That said, it does charge a modest $39 annual fee, and its APR is 26.99% variable, so it's best to use it only if you don't plan to carry a balance.

If your credit is below the fair range, or if you're new to credit and want to start building a credit history, consider a card like the Credit One Bank® Cash Back Rewards Credit Card.

Best for General Spending: Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card

Apply

on Wells Fargo's website

Good - Exceptional

Wells Fargo Active Cash® Card

APR

17.99%, 22.99%, or 27.99% variable APR

Intro APR

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers

Rewards

2% cash back on Purchases

Intro Bonus

Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months

Annual Fee

$0

Card Details
  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 17.99%, 22.99%, or 27.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
  • Select “Apply Now” to learn more about the product features, terms and conditions
  • Matched For You are statements made by Experian and may not reflect Wells Fargo’s underwriting standards

Rates and Fees

While some holiday shoppers are looking to maximize their rewards with certain retailers or spending categories, consumers with good credit who want simplicity might consider the Wells Fargo Active Cash® Card.

The card offers a flat 2% cash rewards on every purchase you make, so you don't have to keep track of bonus categories or meet other requirements to maximize your rewards every time you shop. You'll also get an introductory cash rewards bonus of $200 when you spend $1,000 in the first 3 months.

If you're looking for interest savings, you'll also get that with this card. It offers an introductory 0% APR on purchases and qualifying balance transfers for 15 months from account opening, after which you'll have 17.99%, 22.99%, or 27.99% variable APR. Balance transfers made within 120 days of card opening qualify for this card's intro APR and carry an intro balance transfer fee of 3% ($5 minimum). Balance transfers made after the first 120 days have up to a 5% fee ($5 minimum).

Of course, if you prefer a card with bonus rewards on certain categories, this one isn't for you. But if you want excellent value on Black Friday, Cyber Monday and beyond, this one stands out.

Best for a Long Intro 0% APR Period: Wells Fargo Reflect® Card

Apply

on Wells Fargo's website

Good - Exceptional

APR

15.99% - 27.99% variable APR

Intro APR

0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers

Rewards

None

Intro Bonus

N/A

Annual Fee

$0

Card Details
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 15.99% to 27.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5.
  • $0 Annual Fee
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
  • Select “Apply Now” to learn more about the product features, terms and conditions
  • Matched For You are statements made by Experian and may not reflect Wells Fargo’s underwriting standards

Rates and Fees

If you're looking to make some significant purchases on Black Friday and Cyber Monday, you may want to prioritize a card with a long introductory APR promotion. For that, turn to the Wells Fargo Reflect® Card.

This card offers a lengthy 18 months (from account opening) intro 0% APR on purchases and qualifying balance transfers, with the chance to extend that for three additional months to 21 months total. To qualify for the extra three months, just pay at least your minimum monthly payment on time throughout the intro period.

Once the 0% intro APR promotional period ends, your interest rate for purchases and balance transfers will increase to a 15.99% to 27.99% variable APR. Balance transfers made during the first 120 days you have the card will incur an intro 3% balance transfer fee ($5 minimum) and qualify for the intro APR; transfers made after the first 120 days incur up to a 5% fee ($5 minimum).

If maximizing interest savings is your top priority and you have good credit, you'll be hard-pressed to find a better option. But if you want a mix of an intro 0% APR and rewards, this one only does one of those.

Best for Rotating Bonus Categories: Chase Freedom Flex℠

Apply

on Chase's website

Good - Exceptional

APR

17.24% - 25.99% Variable

Intro APR

0% Intro APR on Purchases and Balance Transfers for 15 months

Rewards

5% cash back on Rotating Categories

5% cash back on Travel

3% cash back on Dining

1% cash back on All Other Purchases

Intro Bonus

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

Annual Fee

$0

Card Details
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®; our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24% - 25.99%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card.
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

For holiday shoppers who have good credit and are looking to squeeze as much cash back out of their Black Friday and Cyber Monday purchases as possible, the Chase Freedom Flex℠ should be on your radar.

The card offers 5% cash back on up to $1,500 spent in rotating bonus categories that change every quarter when you activate. After you meet the quarterly maximum, you'll earn just 1% back on non-bonus spending. Other ongoing bonus rewards rates include 5% on travel booked through Chase Ultimate Rewards® and 3% back on dining and drugstores.

On top of the card's big bonus rewards, you'll also get a few incentives as a new cardholder. For starters, you'll earn a $200 bonus when you spend $500 in the first 3 months from account opening. You'll also get 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!

Finally, you'll get an introductory 0% APR promotion on purchases for 15 months. After that, the APR jumps to 17.24% to 25.99% variable, depending on creditworthiness.

This card is excellent for maximizing rewards in certain categories, and you'll find it easy to do that during the holidays. But because most of your purchases will likely earn just 1% back, it's best to use it alongside a card with a high rewards rate on everything.

Best for Travel: Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Apply

on Chase's website

Good - Exceptional

Chase Sapphire Preferred® Card

APR

18.24% - 25.24% Variable

Intro APR

N/A

Rewards

5X points on Travel purchased through Chase

3X points on Dining

2X points on Travel

1X points on All Other Purchases

Intro Bonus

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

Annual Fee

$95

Card Details
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®; 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

If you're looking to rack up travel rewards with your Black Friday and Cyber Monday shopping, the Chase Sapphire Preferred® Card is a top choice to consider.

The card offers 5 points per dollar on travel booked through Chase Ultimate Rewards®; 3 points per dollar on dining; 2 points per dollar on other travel; and 1 point per dollar on everything else.

When you first open the card, you won't get an introductory 0% APR promotion. But you can earn 60,000 bonus points after you spend $4,000 in the first 3 months from account opening. That's worth $750 in travel when booked through Chase Ultimate Rewards®.

The card does charge a $95 annual fee, but the welcome offer is worth more than enough to make it worth your while for several years. Consider the card if you have good credit, want travel rewards over cash back and you spend a lot in the card's bonus categories. But if most of your purchases fall in non-bonus territory, shop around and consider other top travel credit cards.

How to Save Money While Holiday Shopping

As you prepare your finances for holiday spending, it's important to plan to maximize your savings. While credit cards can help, here are some other tips to save you money on Black Friday, Cyber Monday and throughout the rest of the holidays:

  • Set a budget for yourself and track your spending to stay on track.
  • Consider DIY gifts like baked goods, hand-crafted jewelry and the like when possible.
  • Price check gifts to see if you can find a lower price elsewhere.
  • Avoid retail credit cards that may offer a discount but also charge high APRs and restrict where you can use them.
  • Sign up for cash back websites like Topcashback and Rakuten, so you can earn rewards on top of what your credit card offers.
  • Cut down impulse buys, especially if you're using a credit card

Prepare Your Credit for Next Year

Most of the best credit cards for Black Friday and Cyber Monday are reserved for people with good or excellent credit. If you're not quite there yet, it may be too late for this holiday season. But it's still a good idea to work on improving your credit for the holidays next year and beyond.

Start by checking your credit score and reviewing your credit report to see where you stand and which areas you can improve on. Then take proactive steps to address those issues and monitor your credit regularly to stay on track.