The arrival of a new year presents an ideal opportunity to assess your credit card lineup to ensure it's optimized for your spending habits. Whether your annual purchases involve tech gadgets, toys, clothing, or anything else, selecting the right credit card can make a significant difference. Some individuals may prefer cashback rewards over travel perks, while others value purchase protection, including coverage for lost or damaged items or convenient return options. Taking the time to choose the best credit card for your needs can lead to more significant benefits and financial peace of mind throughout the year.

Best Shopping cards offers

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is an excellent choice, particularly when you transfer points from other Chase cards to it. It offers an exceptional sign-up bonus, especially considering its $95 annual fee.

Pros and cons

Chime Credit Builder Visa® Credit Card

The Chime Credit Builder Visa® Credit Card doesn't require a minimum deposit or charge an annual fee, making it an accessible option for building credit. However, it's important to note that you must be a Chime banking customer to apply for this card.

Pros and cons

Discover it® Secured Credit Card

The Discover it® Secured Credit Card stands out as the top choice among secured credit cards due to its attractive rewards program, absence of an annual fee, and the potential for account upgrades.

Pros and cons

Capital One SavorOne Student Credit Card

The Capital One SavorOne Student Cash Rewards Credit Card stands out among student cards with its combination of triple rewards in popular categories and a $0 annual fee.

Pros and cons

Now’s the time to decide whether a credit card you already have in your purse or wallet fits the bill or if you need a new card to ensure you’re using the best choice for your upcoming purchases. So we went through all of the most popular credit cards and picked out six that will make your wallet happy on every purchase you make.


What is a shopping credit card?

A shopping credit card is a type of credit card that offers rewards, discounts, or special benefits specifically tailored to shopping-related expenses. These cards are designed to incentivize cardholders to make purchases, whether in physical stores or online.

What time of year are the best credit card deals?

The best credit card deals can vary depending on the time of year and promotional periods offered by credit card issuers. Here are some general trends to consider:

  1. Holiday Season (Late November to December): Many credit card issuers offer attractive deals and promotions during the holiday season. You may find special cashback offers, rewards bonuses, or discounts on holiday-related expenses such as shopping, travel, and dining.
  2. Back-to-School Season (July to September): Some credit card issuers introduce promotions geared toward back-to-school shopping, including discounts on school supplies, clothing, and electronics. These offers can be valuable for families with school-age children.
  3. Seasonal Sales Events (Throughout the Year): Credit card issuers may align their promotions with major shopping events like Black Friday, Cyber Monday, and Amazon Prime Day. These events often feature discounts, cashback offers, or bonus rewards for specific spending categories.
  4. Travel-Related Promotions (Varies): Credit cards with travel rewards may offer limited-time promotions related to travel, such as bonus miles for booking flights or hotel stays. These promotions can occur throughout the year.
  5. Credit Card Anniversary (Anniversary Month): Some credit cards offer anniversary bonuses to cardholders who have held the card for a year or more. These bonuses may include extra rewards or statement credits.
  6. Credit Card Launches (Varies): When credit card issuers introduce new credit card products, they often offer introductory bonuses and promotions to attract new cardholders. These promotions can occur at any time during the year.
  7. End-of-Year Financial Planning (October to December): Towards the end of the year, some credit cards may offer promotions related to financial planning, including discounts on tax preparation services or bonuses for contributions to specific financial accounts.
  8. Random Flash Sales (Varies): Occasionally, credit card issuers may surprise cardholders with flash sales or limited-time offers on specific purchases, such as restaurant dining or online shopping.

It's essential to monitor credit card offers and promotions year-round, as deals can arise at any time. Credit card comparison websites, email alerts from credit card issuers, and financial news sources can help you stay informed about the latest credit card deals. Additionally, carefully review the terms and conditions of any offer to ensure it aligns with your spending habits and financial goals.

How to get the most out of your store card?

To make the most of store credit cards, follow these guidelines:

  • Always pay your balance in full to avoid high APRs ranging from 25% to 30%.
  • Be cautious with 0% financing offers; pay off the balance within the specified timeframe to prevent retroactive interest charges.
  • Avoid carrying balances on store cards due to lower credit limits, which can negatively impact your credit.
  • Consider general-purpose credit cards for higher credit limits, more versatile rewards, and no retroactive interest.
  • Choose a store credit card that aligns with your spending habits and credit profile, ensuring effective management to avoid interest and fees.

Store credit cards can offer exclusive benefits, but understanding their terms and utilizing them wisely is crucial to maximize advantages.