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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.
4 Partner Offers
| Our Picks for the Best Credit Cards for Black Friday and Cyber Monday | |
|---|---|
 Capital One QuicksilverOne Cash Rewards Credit Card | 1.5% cash back on every purchase 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply) |
 Wells Fargo Active Cash® Card | 2% cash rewards on eligible purchases $200 cash rewards bonus after spending $500 on purchases in the first 3 months |
 Wells Fargo Reflect® Card | Intro APR for 21 months from account opening on purchases and qualifying balance transfers, then 17.99% - 29.99% variable APR. (Rates & Fees) |
 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, 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 and 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply), 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 29.99% 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® Platinum Visa® for Rebuilding Credit.
Best for General Spending: Wells Fargo Active Cash® Card
Wells Fargo Active Cash® Card
on Wells Fargo's website
Recommended FICO® Score*
Wells Fargo Active Cash® Card
APR
19.99%, 24.99%, or 29.99% variable APR
Intro APR
Rewards
Earn unlimited 2% cash rewards on purchases
Intro Bonus
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Annual Fee
$0
Card Details
- Earn a $200 cash rewards bonus after spending $500 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 19.99%, 24.99%, or 29.99% 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
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 $500 in the first 3 months from account opening.
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 a 19.99%, 24.99%, or 29.99% variable APR. Balance transfers made within 120 days of account opening qualify for this card's intro APR and carry a balance transfer fee of 3% ($5 minimum). Balance transfers made after the first 120 days have 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
Wells Fargo Reflect® Card
APR
17.99% - 29.99% variable APR
Intro APR
Rewards
None
Intro Bonus
N/A
Annual Fee
$0
Card Details
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.99% to 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 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
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 21-month (from account opening) intro 0% APR on purchases and qualifying balance transfers. Once the 0% intro APR promotional period ends, your interest rate for purchases and balance transfers will increase to a 17.99% - 29.99% variable APR. Balance transfers made during the first 120 days you have the card will qualify for the intro rate; transfers made after the first 120 days incur 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 Travel: Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
APR
21.24% - 28.24% Variable
Intro APR
Rewards
Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
3x Points on Dining
2x Points on Other 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 5x on travel purchased through Chase Ultimate Rewards®; 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, 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.
- 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.
- Member FDIC
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.