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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 rewards, earn intro bonuses and benefit from 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 |
 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 17.74%, 24.24%, or 29.49% Variable APR. |
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 generally 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 (580 to 669), 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, which matches some of the top cash back credit cards out there. You also earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, terms apply. That said, it does charge a modest $39 annual fee and its APR is 29.99% (Variable). See rates and fees.
Capital One QuicksilverOne Cash Rewards Credit Card
on Capital One's website
Recommended FICO® Score*
Capital One QuicksilverOne Cash Rewards Credit Card
APR
29.99% (Variable)
Intro APR
Rewards
1.5% Cash Back on every purchase, every day, 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
1.5% Cash Back on All Purchases
Annual Fee
$39
Card Details
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Best for General Spending: Wells Fargo Active Cash® Card
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 12 months from account opening, after which you'll have a 19.74%, 24.74%, or 29.74% 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.
Wells Fargo Active Cash® Card
on Wells Fargo's website
Recommended FICO® Score*
Wells Fargo Active Cash® Card
APR
19.74%, 24.74%, or 29.74% 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
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- 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 12 months from account opening on purchases and qualifying balance transfers. 19.74%, 24.74%, or 29.74% Variable APR thereafter; 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.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Best for a Long Intro 0% APR Period: Wells Fargo Reflect® Card
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 17.74%, 24.24%, or 29.49% Variable APR. Balance transfers made during the first 120 days you have the card will qualify for the intro rate; transfers 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.
Wells Fargo Reflect® Card
APR
17.74%, 24.24%, or 29.49% Variable APR
Intro APR
Rewards
None
Intro Bonus
N/A
Annual Fee
$0
Card Details
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.74%, 24.24%, or 29.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 Annual Fee.
- Up to $600 of cell phone protection against damage or theft. 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.
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. Review your bank account and expenses to create a holiday budget for yourself. Stay on top of it by tracking your spending.
- Consider DIY gifts. Making gifts yourself, like baked goods, and hand-crafted jewelry, can save you money compared to buying new things.
- Price check gifts. Before making a purchase, do a quick online search to see if you can find a lower price elsewhere.
- Use retail credit cards wisely. While they may offer a discount, they also charge high APRs, so you should only charge what you can afford to repay in full by your due date.
- Sign up for cash back. With websites like TopCashback and Rakuten, you can earn rewards on top of what your credit card offers.
- Limit impulse purchases. It's easy to make unplanned purchases with a credit card, so aim to cut down on impulse buys. Consider adding items to your cart and leaving them there for a few days to see if you still want the items.
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.