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The best credit cards for Christmas shopping

You could earn up to 5% cashback

Woman shopping for Christmas

Whether you want to earn cashback or reward points, or need a long interest-free period to spread the cost of your Christmas shopping, Which? reveals the best credit card deals.

Wouldn’t it be nice to earn 5% cashback on all of your Christmas shopping, or secure a credit card deal with a long interest-free period? 

Although you might not yet be thinking about your Christmas shopping, now is the perfect time to apply for a new credit card so you can get it in time for December.

There are some great deals out there – whatever your shopping needs – so we’ve pulled together our recommendations for each card type. 

For many of the best deals we’ve included a link to the Which? Money Compare tables where you can find out more. 

Which? Money Compare Table: Credit card comparison tables – find a great deal 

Best cash back credit cards

If you are in a position to pay off all your credit card debt each month, a cash back credit card will let you earn free money on your card purchases. 

American Express currently offers the two best deals in the market, both with a 5% introductory rate. Its Platinum Cashback Card lets you earn 5% cash back, capped at £125 for the first three months, before dropping to a 1.25% rate. The card comes with a £25 annual fee and has a reasonably high purchase APR of 22.9% so its best to avoid borrowing on this card.

Click here for more details about this card.

The Amex Platinum Cashback Everyday Card also offers a 5% introductory cashback rate for three months. However, this is capped at £100, after which you can earn between 0.5% and 1.25% cash back, depending on how much you spend on the card. It’s important to note that you must spend at least £3,000 on this card to qualify for cashback but, unlike the Platinum card, there is no annual fee.

Click here for more details about this card.

The Cashback Plus credit card from NatWest/RBS offers one of the next best deals, paying 1% cashback at all supermarkets and 0.5% cashback on other spending. It’s currently offering a promotional 3% cashback rate on supermarket shopping until the end of 2015. This card comes with a £24 annual fee and an APR of 12.9% on purchases.  

Which? Money Compare table: Cash back credit card table – compare more cash back cards

Best reward credit cards

There are some great reward credit card deals on the market. However, the reward points that you earn can only be used with the brand on the credit card. Interest rates on these cards are also reasonably high so again it’s best to make sure you can repay the bill in full each month. 

At the top of the table for rewards is the House of Fraser Recognition card, which offers 3% back on in-store or online spending at House of Fraser and 1% on all other spending. This card also comes with a £10 welcome voucher but it has a fairly steep 24.9% APR. 

The Lloyds Bank Choice Reward credit card offers the next best deal and comes in two cards – an American Express card and a Visa card. If you use the Amex card you can earn a 1.5% reward rate on all spending on the card and it also offers double points for the first six months (capped at £2,500 of spending per month). 

The Visa version of the card earns at a lower reward rate. There is a £24 annual fee but £12 is refunded each year if you are a Club Lloyds current account customer.

Click here for more details about this card.

The Debenhams MasterCard also offers notable reward rates on card spending – 3% in-store and 0.5% elsewhere. The card pays £5-worth of bonus points when you get your first statement. The card has a 24.9% APR but no annual fee.

Which? Money Compare table: Reward credit card table – compare some of the best deals

Best 0% on purchases credit cards

Need to spread the cost of your shopping this Christmas? Fortunately, there are some lengthy interest-free deals on the market.  

With these cards, it’s best to make sure you clear the balance before the end of the interest-free period, as most cards will revert to their headline rates of around 18.9% typically. Setting up a direct debit to make repayments each month will help you avoid missing any and potentially losing any introductory deals. 

The Post Office Matched MasterCard currently tops our table for the longest interest-free deal, offering a whopping 27 months before the card reverts to its 18.9% headline rate.

Click here for more details about this card.

Clydesdale and Yorkshire Banks offer the next longest deal with 26 months interest-free. 

Click here for more details of the Clydesdale Bank card and here for the Yorkshire Bank one. 

Which? Money Compare Table: 0% purchase credit cards – view more 0% on purchases deals

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Which? Limited is an Introducer Appointed Representative of Which? Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited.

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