While holiday shopping with cash is self-limiting and perhaps prudent in these slow times, using your plastic can have tons of advantages. It’s time to take your credit cards out of the freezer and enjoy these holiday freebies.
Most bank debit cards have Visa and MasterCard automatic discounts for shopping at certain merchants offering at least 5% off. “Visa Extras” or “Purchase Rewards” is the most popular debit card rewards program with no fuss and no muss – just enroll through your bank and the rewards are automatic. Visit Visa Extras Rewards Program for complete details.
MasterCard is now offering free two-day shipping this holiday season at top e-commerce sites. Best Buy, QVC, Macy’s, Kohl’s and Walmart are offering the free MasterCard shipping perk. Go to Free Shipping by MasterCard to sign up for the program.
You can upgrade the free shipping program to a broader set of participating merchants through the premium service for an annual fee of $69 and enjoy credits of up to $20 per 2-day shipping charge and up to $1,500 per year at over two dozen additional brand-name participating merchants, including Nordstrom, JCPenney, GameStop, Home Depot, Sephora, and Shutterfly.
Discover cardholders can sign up now to get 5% Cashback Bonus on up to $1,500 in purchases through December for online shopping for things like apparel, electronics, toys, gifts and more. After making $1,500 in online purchases, Discover cardmembers still automatically earn their standard Cashback Bonus on all other purchases. Visit Discover’s website or call 1-800-DISCOVER (347-2683) to nail this perk.
Some of the retailers increasing Cashback Bonus on ShopDiscover include Sears (10%); Nordstrom (10%); Toshiba (10%), Macy’s (10%) and 1800Flowers (20%).