St. Louis -- I call this perfect timing. Black Friday and Cyber Monday have come and gone, but the top credit card perks are popping up all over the place. With more than 100 different credit card promotions this shopping season, I thought I would narrow it all down to a top 3 list.
I've tested customer service for the banks behind these promotions extensively and I've had financial experts weigh in too. The viewers I've interviewed have made it clear: Air miles, free flights and holiday gift cards/cash back are a top priority.
1) Free flights holiday travel credit card offer
Southwest Airlines Rapid Rewards Premier Credit Card
Current Promotion: 2 round trip flights
Limited Time Offer:
• Get 2 round trip flights after you spend $2,000 in the first 3 months of opening your account ($800 in "Wanna Get Away?" fares).
• Get 6,000 points every year after your card member anniversary. That's enough for a $100 "Wanna Get Away?" fare.
• Two points per $1 spent on Southwest Airlines and AirTran Airways purchases made directly with the airlines and on Rapid Rewards hotel and car rental purchases.
• One point per $1 spent on all other purchases.
Alternate: Citi Platinum Select/AAdvantage Visa Signature Card
Current Promotion: 30,000 bonus American Airlines AAdvantage miles
• Earn 30,000 American Airlines AAdvantage bonus miles after $1,000 in purchases within the first 3 months of card membership.
• Your first eligible checked bag is free.
• Priority boarding.
• 25% savings on eligible in-flight purchases
2) The most perks for regular spending
Citi ThankYou Preferred Rewards Card
Current Promotion: $400 in gift card cash back
• Earn up to 40,000 bonus ThankYou Points: 20,000 bonus points after you spend $3,000 in the first 6 months and an additional 20,000 bonus points after you spend $3,000 in the next 6 months.
• Earn 1 point for every $1 you spend on all purchases.
• Receive an anniversary bonus every year you're a card member.
• No expiration and no limit on points you can earn.
3) Discover Open Road Card
Current Promotion: Easy $100 cash back, extra 5% off in December
• No annual fee.
• Get $100 cash back when you make $500 in purchases within 3 months.
• 5% cash back bonus everywhere you shop online, up to $1,500 in online purchases through December.
• 1% cash back bonus on all other purchases after your total annual purchases exceed $3,000.
• 24/7 travel assistance with free car rental insurance.
• $0 fraud liability guarantee.
• Wallet protection with $1,000 in emergency cash and credit monitoring.