As the year comes to a close, there are several enticing credit card offers available for the fourth quarter of 2023. This is the perfect time to take advantage of holiday shopping and maximize your rewards. Let’s explore some of the best credit card offers currently on the market.
Chase Freedom Flex
One of the top credit card offers is the Chase Freedom Flex. This public offer is currently available on the Chase website for a limited time. By spending $500 in the first 3 months, you can earn a $200 bonus. Additionally, you will receive 5% back on gas and grocery purchases, up to $112,000 spending, for your first 12 months with the card. It’s important to note that the rewards on this card are in the form of Chase points, which can be turned into cash back or redeemed for travel. The Chase Freedom Flex also offers 5% back on PayPal purchases in the fourth quarter, making it a great option for online shopping.
Chase Freedom Unlimited
Another excellent credit card offer from Chase is the Chase Freedom Unlimited. This card also has a public offer on the Chase website for a limited time. By spending $500 in the first 3 months, you can earn a $200 bonus. The Chase Freedom Unlimited is a catch-all card, offering 1.5% back on all purchases. Like the Chase Freedom Flex, the rewards are in the form of Chase points, which can be combined with other Chase cards for even greater value.
Chase Ink Unlimited
If you’re a small business owner, the Chase Ink Unlimited is a fantastic option. With no annual fee, this card offers a $900 bonus cashback after spending $6,000 in the first 3 months. The rewards on this card are in the form of Chase Ultimate Rewards points, which can be redeemed for cash back or transferred to other Chase cards for enhanced value. The Chase Ink Unlimited is a great catch-all card, offering 1.5% back on all purchases.
Capital One Venture X
For those looking for a premium travel credit card, the Capital One Venture X is an excellent choice. With a standard signup bonus of 75,000 bonus miles after spending $4,000 in the first 3 months, this card offers great value. The annual fee is offset by a $300 travel credit and a 10,000 mile anniversary bonus. The Capital One Venture X earns 2x miles on all purchases and provides premium travel benefits such as airport lounge access and TSA pre-check.
American Express Blue Cash Everyday
The American Express Blue Cash Everyday card is a cash back focused card with a $200 signup bonus. By spending $2,000 in the first 6 months, you can earn $200 as a statement credit. This card offers 3% cash back on US supermarkets, online US retail purchases, and US gas stations. The 3% cash back categories are limited to $6,000 of spending per calendar year.
City Double Cash
The City Double Cash card typically does not come with a signup bonus. However, there is currently a limited time offer of $200 cash back after spending $1,500 in the first 6 months. This offer is not available on the public City website, but can be found through special links. The City Double Cash card earns 2% cash back on all purchases, making it a great option for those looking for straightforward cash back rewards.
American Express Gold Card
The American Express Gold Card is a popular choice for food enthusiasts. With 4x points per dollar on grocery store and restaurant purchases, this card is perfect for those who enjoy dining out. Although the annual fee is $250, it is offset by up to $240 in annual credits and additional travel benefits such as airport lounge access and TSA pre-check. The signup bonus for this card varies, so it’s important to find the best offer available.
During the holiday shopping season, it’s also worth utilizing cashback portals like Rakuten to maximize your rewards. By shopping through Rakuten, you can earn additional cash back or even American Express Membership Rewards points on top of the rewards earned from your credit cards.
These are just a few of the best credit card offers currently available. Take the time to explore these options and find the ones that best suit your spending habits and goals. Remember, it’s important to choose a card that aligns with your needs and offers rewards that you can maximize. Happy shopping and happy earning!