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Card issuers roll out limited-time offers for 2012 holidays

Seasonal discounts and deals can stretch gift-giving budgets

By Erin Peterson

Even the stingiest spenders will be able stretch their holiday budgets by playing their credit cards right.

In 2012, card issuers have again sweetened their year-end offers with limited-time special deals. See the "2012 Credit card holiday promotions" chart below for more details.

Card issuers roll out limited-time offers for 2012 holidays

American Express
If you like to get an early jump on your shopping, American Express has created a special Holiday Picks website where you can redeem your points for popular merchandise. In addition, all merchandise from Bose, Michael Kors Handbags, LG Televisions, Dyson and Wine Enthusiast can be purchased for 20 percent fewer points. Both promotions end Nov. 30. 

For the third straight year, AmEx will also be encouraging consumers to shop at small businesses on Nov. 24. Visit its Small Business Saturday site for details and participating retailers.

Bank of America
Through the end of the year, Bank of America Reward customers who have saved up points can get up to 40 percent off on an assortment of gift cards through WorldPoints Rewards site. They'll also receive bonus points for booking travel through the site and additional discounts on hotels, car rentals, and resorts. 

Capital One
Capital One cardholders can reap extra rewards when they shop at the online portal Perk Central, including bonuses of up to 15 miles per dollar spent. The promotion runs through the end of the year. In addition, ongoing, personalized deals through the mobile site will help on-the-go shoppers save money. After signing up for the deals (which include retailers from The Body Shop to Starbucks), shoppers simply have to make the purchase with their Capital One card, and the discount will be automatically applied. 

Chase
Two cash back holiday promotions from Chase will give Freedom cardholders extra incentives to target their spending:

  • Chase's fourth-quarter cash-back deals offers 5 percent cash back on up to $1,500 in purchases for hotels and airlines, as well as purchases at Best Buy and Kohl's.
  • Cardholders who shop at Kohl's through the Ultimate Rewards shopping portal can tack on an additional 10 percent cash back, which can be used in conjunction with the 5 percent quarterly deal to ramp up savings.

Citi
Citi Dividend Platinum Select cardholders should plan their holiday spending around electronics stores, toy stores and Macy's to receive 5 percent cash back. The deal is limited to the first $300 in purchases and runs through the end of 2012.

While not a holiday offer, since it doesn't expire with the season, Citi also has launched its Price Rewind program that could help bargain-hunting holiday shoppers save money retroactively. If Citi cardholders make a purchase with a card registered with at CitiPriceRewind.com, Citi will watch the price on the item. If it drops by at least $25, cardholders are reimbursed for the difference up to $250.

Discover
An array of cash back deals, increased bonuses, and unique experiences will help Discover cardholders make it through the holiday season and beyond.

  • If you have cybershops or department stores on your shopping list, use a card to reap 5 percent cash back on up to $1,500 in purchases through Dec. 31. Sign up for the promotion at Discover.com.
  • The ShopDiscover shopping portal will be rolling out the red carpet to customers with more than 70 merchants who will increase, and often double, the cash-back bonuses they offer. And if the holidays end and you find yourself without the present you really want, don't fret -- this deal goes through Jan. 10 so you can take advantage even after you've opened your presents.
  • Grab a perk-filled ticket package to the big game with Discover. Starting at $225, fans can grab tickets for the Discover Orange Bowl (Jan. 1) or the BCS football games (Jan. 7). Packages include on-field access, tailgate parties and fan zone passes.

PenFed
Think you might go a bit over budget on your holiday gadgets? Then put your iStuff purchases on your PenFed card. All cardholders receive a six-month 0 percent promotional rate on purchases made at qualifying electronics stores through Dec. 31.

2012 Credit Card Holiday Promotions Chart

 

Offer

Who’s Eligible

Details

Dates

Notes and limitations

American Express Brand Sale

All American Express cardholders

Purchase merchandise from Bose, Michael Kors Handbags, LG Televisions, Dyson, and Wine Enthusiast for 20% fewer points.

Through Nov. 30, 2012

 

American Express Holiday Picks

All American Express cardholders

Visit a special holiday website to buy merchandise with points.

Through Nov. 30, 2012

 

American Express Small Business Saturday

All American Express cardholders

Register your American Express card ahead of time, then shop at a small business on November 24th for a special promotion.

Valid only on Nov. 24, 2012

Signups limited. Visit the site to find all participating small businesses in your area.

Bank of America Gift Card Deals

Bank of America Rewards customers

Use fewer points to purchase gift cards through the WorldPoints Rewards portal.

Through Dec. 31, 2012

 

Bank of America Travel Perks

Bank of America Rewards customers

Receive extra points when you book travel through the WorldPoints Rewards website, as well as discounts for hotels, car rentals, and resorts.

Through Dec. 31, 2012

 

Capital One Perk Central Bonus Rewards

All Capital One cardholders

Receive increased rewards (up to 15 miles per dollar spent) in addition to regular rewards for purchases at the online portal Perk Central.

Through Dec. 31, 2012

Visit the FAQ site for more information.

Chase Fourth Quarter Cash Back Bonus

Chase Freedom cardholders

Earn 5% cash back on purchases at hotels, airlines, Best Buy, and Kohl's.

Through Dec. 31, 2012

Limited to the first $1,500 in purchases in these categories; the rest will earn normal cash back.

Chase Cash Back Kohl’s Bonus

Chase Freedom cardholders

Earn 10% cash back when shopping at Kohl's through the Ultimate Rewards Portal.

Through Dec. 31, 2012

This can be used in conjunction with the Fourth Quarter offer at Kohl's for a total of 15% cash back.

Citi Cash Back Bonus

Citi Dividend Platinum Select cardholders

Receive 5% cash back at Macy's, electronics stores, and toy stores after registration.

Through Dec. 31, 2012

Limited to the first $300 in purchases in these categories.

Discover Fourth Quarter Cash Back Bonus

All Discover cardholders

Earn a 5% cash back bonus on department store and online purchases after signing up at Discover.com

Through Dec. 31, 2012

Limited to the first $1,500 in purchases in these categories; the rest will earn normal cash back.

Discover ShopDiscover Cash Back Bonus

All Discover cardholders

Receive increased cash back bonuses (up to twice as much) from more than 70 ShopDiscover retailers

Through Jan. 10, 2013

Can be combined with the Fourth Quarter Cash Back Bonus

Discover Orange Bowl and BCS  Game Tickets

All Discover cardholders

Buy ticket packages for the Orange Bowl and BCS games on January 1 and January 7, including on-field access, tailgate parties, and fan zone pass.

Through Jan. 7, 2013 or while supplies last

 

PenFed Electronics Promotion

All PenFed cardholders

Receive a 6-month, 0 percent promotional rate on purchases made at qualifying electronics stores.

Through Dec. 31, 2012

 

See related: Chart: Compare 63 gift card offers for 2012

Published: November 16, 2012


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Updated: 12-05-2016


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