Use Your Credit Cards to Cash in on Holiday Bargains

Have you finished your holiday shopping yet? Probably not. If you are like most people you are still formulating the list of items you want to buy and trying to figure out just what you can afford this holiday season. While you may not have thought of it yet, your credit cards may be able to help you out in making some of your purchases a little more affordable.

Seasonal Discounts

The first thing you should do is look at that last credit card statement that came in. In addition to your bill and list of charges you made, there likely is also some seasonal advertising on that statement. You see, credit card companies work with stores to offer special discounts and deals to their customers when they use their credit card. If you don't pay attention to those deals, you may miss out.

Cash Back Rewards Credit Cards

Do you have a cash back rewards credit card? These are a great way to get a little something back for the holiday shopping you need to do. Depending on where you use the card you can get anywhere from a penny to a nickel back for every dollar you spend. All those pennies and nickels add up quickly and will soon be a nice check back in your hand.

Shopping Rewards Credit Cards

Shopping rewards credit cards are usually from a particular store that you like and have purchased a lot from in the past. Have you paid attention to any of the perks of this card? From discounts on your purchases to rebates on the items you buy this season, you may be able to save a lot by using the cards you have for the stores you love.

Travel Rewards Credit Cards

If you like to see the world, or just would like to see another area of the country, you may want to put your holiday spending on your travel rewards credit cards. This time of year the points can add up quickly and before you know it, you will be able to cash in on a trip to somewhere.

If you don't have any of these types of credit cards to enjoy the perks from, maybe it's time you did. Do a little comparison-shopping and find the best credit cards that will offer you perks you can use.

Steve Sikes is an MBA and writes articles on credit cards and other financial products. To read other articles and compare and apply online for top credit card offers for low interest, balance transfers, rewards, cash back , business, airline miles, you will want to visit http://www.CreditCardWave.com