Limited-time offers, credit card deals for Black Friday and Cyber Monday

Some of the offers below are no longer available and may be out of date.

Holiday season is now fully upon us, and with it, plentiful advertisements for shopping discounts, special deals and limited-time promotions designed to help you save money or earn rewards while you shop.

Navigating these promotions can be tricky – how do you know which promotions are actually a good deal? To help you maximize rewards and savings over the next few months, we’ve collected all the best offers from credit cards, airline and hotel rewards programs and more.

See related: Use airline and hotel shopping portals to boost rewards

Keep checking back as we update this ongoing list of limited-time offers. You might find a great deal on holiday gifts or travel you had already planned.

Best limited-time offers for Black Friday

Black Friday is well-known for its incredible deals on purchases at brick-and-mortar retailers, but that is far from all the holiday has to offer. Select credit card, hotel and airline rewards programs also take advantage of the season to offer you ways to save money on your purchases – or earn some extra rewards. Here’s a quick look at some current available offers.

Save extra on Macy’s Black Friday Specials with Capital One Shopping

Capital One Shopping offers Black Friday Specials through Nov. 28, 2020. Offers might change, but we’ve seen as much as 70% off at Macy’s – and that’s on top of the 8% cash back currently offered through Capital One Shopping.

Get 50% off reward flights with Virgin Atlantic

Beginning Nov. 23, 2020, you can get 50% off all reward seats on the Virgin Atlantic network. To receive the discount, book your reward ticket by Nov. 30 and fly between Nov. 23, 2020, and Oct. 20, 2021.

Save on select Ultimate Rewards gift card redemptions

Throughout November, qualifying Chase Ultimate Rewards cardholders can receive a 10% discount on select gift card redemptions in the Ultimate Rewards portal. Participating retailers include Barnes & Noble, Google Pay, Hello Fresh, Macy’s and more. Note that some discounts are only available to select cardholders, and quantities may be limited.

Get 5% back at Walmart

Cards with rotating bonus categories are particularly lucrative during the holiday season – as eligible categories tend to fall in line with holiday shopping. The Chase Freedom Flex®, for example, is currently offering 5% cash back in up to $1,500 in combined Walmart and PayPal purchases after activation through Dec. 31, 2020.

Receive up to 15% cash back with Rakuten

On Nov. 20, 2020, Rakuten members can earn 10% cash back from more than 200 participating retailers and up to 15% cash back from more than 500 participating retailers between Nov. 26 and Nov. 29. Additionally, Rakuten is offering a $40 referral bonus through Christmas.

Earn extra Marriott Bonvoy points when shopping at Amazon, Walmart and Target

You can earn 6 bonus Marriott Bonvoy points per dollar (for a total of 8 points per dollar) with your Marriott Bonvoy Brilliant® American Express® Card on eligible purchases at Amazon, Target and Walmart, up to $3,500 after enrollment. This promotion is valid through Dec. 27.

Earn 7,500 Hilton Honors points when you’re booking your holiday travel

Earn up to 7,500 points when you book two stays in participating Hilton properties through Dec. 31. To participate, you need to register for the promotion, which you can do here.

Best limited-time offers for Cyber Monday

If you are eager to score steep discounts on your online purchases this Cyber Monday, you might be able to rack up some great rewards along the way. Loyalty program shopping portals, in particular, are rich with opportunities to earn points or miles with the online merchants at which you already shop. Here’s a quick look at some of the promotions available now.

Get 5% back when you shop online

From Nov. 24 to Nov. 30, 2020, eligible Citi cardholders, can enroll to earn 5% back on up to $500 spent on online purchases. Note that co-branded credit cards don’t qualify for this offer, as well as accounts opened after Oct. 23, 2020

Earn 5% cash back on Amazon.com, Walmart.com and Target.com purchase

Discover it® Cash Back cardholders can earn 5% cash back on up to $1,500 in purchases at Amazon.com, Target.com and Walmart.com when they enroll in rotating bonus categories through Dec. 31. All other purchases earn 1% cash back.

Get a 20% discount when redeeming your ThankYou Points

On Nov. 30, 2020, Citi cardholders can use 20% fewer ThankYou Points for select gift and e-gift cards. Eligible gift cards include Apple, Fandango, PetSmart and Topgolf.

Earn up to 15% cash back with Rakuten

On Nov. 30, 2020, Rakuten members can earn up to 15% cash back from more than 500 participating retailers, including Bed Bath & Beyond, Walmart, Macy’s, Michaels, Office Depot and hundreds of others.

Get 20% cash back on Amazon purchases with Amex

New Blue Cash Everyday® Card from American Express cardholders can earn 20% back on Amazon purchases, up to $200, in the first six months of card membership. Terms apply.

Which credit card should you use for these promotions?

That depends on what kind of rewards you are hoping to earn this holiday season. If you want to bulk up your budget for your future travel plans, consider a credit card that earns hotel or airline points and miles – like the Southwest Rapid Rewards® Priority Credit Card. If you stack rewards earned on spending with promotions in airline shopping portals – you can rack up even more points or miles.

For those who prefer more flexible points or cash back, there are plenty of other rewards credit cards that go great with these kinds of deals. For shopping portal promotions, consider using a credit card that earns rewards on online purchases, like the Bank of America® Cash Rewards credit card. That way, you’ll earn extra points or cash back on all your online shopping.

See related: Make the most of an online shopping bonus category

Finally, those with a lot of holiday shopping planned who need time to pay off their purchases without accruing steep interest charges might consider applying for a card with an introductory APR on new purchases. For instance, the Blue Cash Everyday offers several months with an introductory APR on top of a great rewards rate on your purchases.

Bottom line

Limited-time offers and promotions will be popping up all through the holiday season, so be sure to check back regularly for updated deals. By being strategic about your spending, you can make holiday shopping work for you – saving money and earning plentiful rewards along the way.