You will be chasing deals this holiday season. But, as your pockets open, let us make sure your maximizing rewards on your credit card spending. At Help Me Build Credit we searched the internet and we choose the best credit cards earning the maximum rewards for each category. Be prepared properly and shop like a pro!


If you’re going to be traveling this holiday season, then the Citi Prestige card will earn you 5 points on every dollar spent on air travel and restaurants. The card does have a $450 annual fee, but it is very possible that after reviewing the benefits, (for example, $250 travel credit and Priority pass lounge access) you will decide that the $450 annual fee is worth it.

Plus, the Citi Prestige comes with a welcome bonus of 50,000 points after you spend $4,000 within the first 3 month


Why earn 1% cashback, when several credit cards are earning 2% cashback on all purchases.

Try a card like the Citi Double Cash or Amex Blue Business card. Both of these cards do not have an annual fee and will earn you 2% cashback no matter where you shop. You can also view more 2% cashback cards here.


My favorite card for grocery shopping is the Amex Blue Cash Preferred. With this card, you will earn 6% cashback on grocery purchases up to $6,000 a year. The card has a $95 annual fee, but if you’re able to max out the $6,000 then that will by far beet the annual fee paid.

The Blue Cash Preferred has a $250 welcome bonus after you spend $1,000 within the first 3 months.


Black Friday and Cyber Monday deals are hot! It’s the perfect time of year to buy gifts and new electronics. If you plan on spending money in office supplies stores like Staples, Office Depot, etc., then look into the Chase Ink Cash card. The Chase Ink Cash card earns 5% cashback on every dollar spent in office supplies stores, up to $25,000 annually. The Chase Ink Cash card does not have an annual fee.

Plus, the Chase Ink Cash card has now a 50,000 point welcome bonus after you spend $3,000 with in the first 3 months.

End Note

At Help Me Build Credit you will learn how to shop savvy and earn savvy!

Happy Holidays!