Three Best Cards for Holiday Shopping

Wells Fargo Active Cash, Prime Visa, and Chase Freedom Unlimited are the best cards for holiday shopping.

A woman's hand holds a credit card, with holiday lights in the background.
(Image credit: Getty Images)

For our review of the best shopping cards, we may get compensation if you visit partner links on our site. We may not cover every available offer. Our relationship with advertisers may impact how an offer is presented on our website. However, our selection of products is made independently of our relationship to advertisers. Interest rates, fees, rewards and other terms listed in this article are subject to change. Before you apply for a credit card, check its current terms and conditions with the issuer.

Are you eyeing a new credit card for holiday shopping this year? Whether you’re a dedicated bargain-hunter or avoid the local mall like the plague, you’re probably going to get sucked into some heady holiday shopping. With the help of a new study by WalletHub on the six best cards for shopping, we’ve got you covered. We’ve whittled their list down to our top three picks, saving you time. 


Wells Fargo Active Cash® Card 

This card provides 2% cash rewards on all purchases, making it a great card to slip into your wallet if you prefer simple, straightforward rewards.

Three benefits sweeten this card deal. New cardholders earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months, the card offers a 0% APR on balance transfers and purchases for 15 months, and there is no annual fee.

Skip this card if you are planning significant travel outside the U.S., as there is a 3% foreign transaction fee.


Prime Visa credit card 

The card comes with a new $100 intro offer that you can access as soon as you are approved. You'll earn 5% back at and Whole Foods, and 10% or more on rotating categories at As the name suggests, to open the card you’ll need to have an Amazon Prime subscription. An Amazon Prime membership costs $139 per year or $14.99 per month, so the first year is more than covered by the welcome offer. Besides the required Prime subscription, the card has no annual fee

The card may only be linked to one Amazon account. So, if your household has multiple Amazon accounts, be sure to keep track of which one is linked to the card, or you may forfeit the 5% back on Amazon purchases.


Chase Freedom Unlimited® credit card

This is a compelling no-fee option for people who want to earn points, cash or miles as they shop, dine or travel. Earn three points on dining and drugstore purchases, and 1.5 points per dollar on other spending.

Plus, earn 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year.

The card is especially useful for domestic travelers who are willing to book trips through Chase’s Ultimate Rewards program. Plus, the card offers 0% APR on purchases and balance transfers for the first 15 months.

The Chase Freedom Unlimited® Visa provides up to five points per dollar spent through Chase's travel program. The card offers trip cancellation and trip interruption insurance; you may be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.  

Chase cards also offer excellent rental car insurance.

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Ellen Kennedy
Personal Finance Editor,

Ellen writes and edits personal finance stories, especially on credit cards and related products. She also covers the nexus between sustainability and personal finance. She was a manager and sustainability analyst at Calvert Investments for 15 years, focusing on climate change and consumer staples. She served on the sustainability councils of several Fortune 500 companies and led corporate engagements. Before joining Calvert, Ellen was a program officer for Winrock International, managing loans to alternative energy projects in Latin America. She earned a master’s from the U.C. Berkeley in international relations and Latin America.