Amanda Peterson
December 1, 2023
• 5 Minute Read
'Tis the season to shop smart and save big! Whether you're on the hunt for the perfect gift or eyeing those tempting holiday discounts, having the right credit card in your wallet can make all the difference. Here are four top-notch credit cards that can elevate your shopping experience and help you make the most out of this festive season.
Let's explore the benefits of the Milestone® Mastercard®, Destiny Mastercard, Chase Freedom Unlimited®, and Chase Sapphire Preferred® Card.
Building Credit with Milestone® Mastercard®
If you're on a journey to improve your credit and still want the flexibility to make holiday purchases, the Milestone® Mastercard® for fair credit is an excellent choice. Designed specifically for those with fair credit scores, this card offers a chance to responsibly build credit while enjoying the convenience of a Mastercard®. Take control of your financial future and elevate your credit score as you shop for the perfect gifts.
- Credit Recommended:
- Fair/Good
- Regular APR
- See terms
- Credit Recommended
- Fair/Good
- Annual Fee
- See terms
Apply Now
on the Milestone Mastercard® secure website.
- Card Brand
- Mastercard
- Credit Limit
- $700
- Cash Advance Fee
- See terms
Highlights
- Greater access to credit than before - $700 credit limit
- Get a Mastercard accepted online, in store and in app
- Account history is reported to the three major credit bureaus in the U.S.
- $0 liability* for unauthorized use
- Access your account online or from your mobile device 24/7
- *Fraud protection provided by Mastercard Zero Liability Protection. If approved, you'll receive the Mastercard Guide to Benefits that details the complete terms with your card.
Instant Credit with Destiny Mastercard® ($700 Limit)
For those seeking instant credit approval without compromising on spending power, the Destiny Mastercard® with a $700 limit is your go-to solution. This card provides a quick and straightforward application process, allowing you to make those holiday purchases without delay. With a clear credit limit of $700, you can shop confidently within your budget and avoid overspending during the festive season.
- Credit Recommended:
- Poor to Good
- Regular APR
- See terms
- Annual Fee
- See terms
- Credit Recommended
- Poor to Good
Apply Now
on the Destiny Mastercard® secure website.
- Brand Name
- Mastercard
- Credit Limit
- $700
- Cash Advance Fee
- See terms
Highlights
- All the benefits of a Mastercard, without a security deposit
- 24/7 access to your account, even on mobile!
- Reports to all three major credit bureaus
- Less than perfect credit is okay, even with a prior bankruptcy!
Unlimited Rewards with Chase Freedom Unlimited®
If you've got a good credit history and love the idea of unlimited rewards, the Chase Freedom Unlimited® is a game-changer. This card offers cash back on every purchase, with no rotating categories to keep track of. Enjoy the simplicity of earning rewards as you shop for holiday essentials. Whether it's gifts for loved ones or festive decorations, the Chase Freedom Unlimited® adds a touch of extra savings to your season.
- Credit Recommended (660-850):
- Good/Excellent
- Rewards Rate 1
- 1.5% - 5% cash back
- Intro (Purchases)
- 0% Intro APR on Purchases 15 months
- Annual Fee
- $0
- Intro Rewards Bonus
- Up to $300 cash back
- Intro (Transfers)
- 0% Intro APR on Balance Transfers 15 months
- Regular APR
- 20.49% - 29.24% Variable
Highlights
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% 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!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Premium Rewards with Chase Sapphire Preferred® Card
For those with excellent credit, the Chase Sapphire Preferred® Card is the epitome of luxury and rewards. Elevate your holiday shopping experience with generous sign-up bonuses, flexible redemption options, and premium travel benefits. From exclusive shopping perks to points that can fund your dream vacation, this card is a symbol of sophistication and financial prowess.
- Credit Recommended (660-850):
- Good/Excellent
- Intro Rewards Bonus
- 60,000 bonus points
- Rewards Rate 1
- 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases
- Foreign Trans Fee
- $0
- Annual Fee
- $95
- Regular APR
- 21.49%-28.49% Variable
- Credit Recommended
- Good/Excellent
Highlights
- 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 Travel℠.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. 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
The Right Card Can Make A Difference
When it comes to holiday shopping, having the right credit cards in your wallet can make all the difference. Whether you're building credit, looking for instant approval, or aiming for top-tier rewards, these four credit cards cater to various credit needs. Remember, the right credit card can transform your shopping habits and make the holiday season even more rewarding. Consider your financial goals and preferences when choosing the card that aligns with your needs. Happy shopping and smart spending!
Editorial Disclaimer: Information in these articles is brought to you by CreditSoup. Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles. The information is accurate to the best of our knowledge when posted; however, all credit card information is presented without warranty. Please check the issuer’s website for the most current information.