Save on Black Friday and Cyber Monday With Credit Card Discounts

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Black Friday and Cyber Monday are just around the corner, which means you’ve got limited time to solidify your strategy, harvest coupon codes, research shopping portals and stack your deals.

Post-Thanksgiving shopping aside, some of the most powerful money-saving and points-earning tools you should already be frequently using are limited-time credit card offers, which reward you for swiping your card with specific merchants. They can also play a huge role in your Black Friday and Cyber Monday shopping plans, and similar to coupons, you must clip them in order to take advantage of the savings.

Below, Select looks at the top American Express, Capital One, Chase and Citi Merchant Offers that may be extra useful for all your upcoming holiday shopping needs.

In almost every case, credit card offers are targeted statement credits or bonus rewards that you’ll receive by shopping at specific merchants with certain cards, providing excellent ways to save money on purchases you’re probably making anyway.

For example, your preferred card may be targeted for a $10 statement credit after you spend $50 at a restaurant you frequent. Simply log in to your account to add the offer to your card and you’ll automatically receive that $10 credit after meeting the spending requirement.

The one exception to this earning structure is Capital One Offers, which functions more like a shopping portal, such as Rakuten. You must navigate to a merchant through Capital One’s website, then make your purchase. You also cannot use other coupons or cash-back offers in tandem with Capital One Offers.

• LG: Receive 2% back on eligible purchases, up to $250 back. Ends Nov. 30, 2022.
• Best Buy: Receive 1 bonus point per dollar, up to 5,000 bonus points. Ends Dec. 15, 2022.
• UrbanOutfitters.com: Receive 3% back on eligible purchases, up to $250 back. Ends Dec. 31, 2022.
• Samsung: Spend $1,000 on eligible purchases and get $200 back. Ends Dec. 31, 2022.
• GoPro: Spend over $200 on eligible purchases and get $40 back. Ends Dec. 31, 2022.
• Bloomingdale’s: Receive 1 bonus point per dollar, up to 10,000 bonus points. Ends Dec. 31, 2022.
• H&M: Receive 10% back on eligible purchases, up to $10 back. Ends Dec. 31, 2022.
• Macy’s: Receive 1 bonus point per dollar, up to 10,000 bonus points. Ends Dec. 31, 2022.
• Kroger: Spend over $50 on eligible purchases and get $25 back. Ends Dec. 31, 2022.
• Ray-Ban: Spend over $155 and get $25 back, up to two times. Ends Dec. 31, 2022.
• Ralph Lauren: Spend over $200 on eligible purchases and get $40 back. Ends Dec. 31, 2022.
• Von Maur: Spend over $150 on eligible purchases and get $30 back. Ends Dec. 31, 2022.
• Under Armour: Spend over $50 on eligible purchases and get $10 back. Ends Dec. 31, 2022.
• T-Mobile: Spend over $100 on eligible purchases and get $50 back. Ends Dec. 31, 2022.
• Staples: Spend over $100 on eligible purchases and get $25 back. Ends Dec. 31, 2022.
• Bose: Spend over $200 on eligible purchases and get $30 back. Ends Jan. 1, 2023.
• Fanatics: Spend over $100 on eligible purchases and get $25 back, up to two times. Ends Feb. 1, 2023.
• Dell: Receive 10% back on eligible purchases, up to $1,100 back. Ends Mar. 26, 2023.
• NBA Store: Spend over $100 on eligible purchases and get $20 back, up to two times. Ends Apr. 24, 2023.
• NFL Shop: Spend over $100 on eligible purchases and get $20 back, up to two times. Ends Apr. 24, 2023.

Which cards are eligible?

All American Express cards are eligible for Amex Offers, including the following:

Even the American Express Serve® Cash Back, American Express’s reloadable prepaid debit card, is eligible for Amex Offers.

Keep in mind that the specific offers you see will vary by the type of card you have. For example, offers from vendors such as T-Mobile and Staples are generally only available for small business cards such as The Business Platinum Card® from American Express or the Marriott Bonvoy Business® American Express® Card. And if you happen to have multiple Amex cards, you’ll generally only be able to take advantage of an offer with one of them. Also, American Express will only display up to 100 offers at a time, so you may need to activate some offers before you can see the rest.

• Walmart: Receive 3% back on eligible purchases.
• Staples: Receive 4% back on eligible purchases.
• H&M: Receive 12% back on eligible purchases.
• Apple: Receive 3% back on eligible purchases.
• Overstock.com: Receive 4% back on eligible purchases.
• Purple: Receive 8% back on eligible purchases.
• Frye: Receive 15% back on eligible purchases.
• American Eagle: Receive 7% back on eligible purchases.
• KitchenAid: Receive 10% back on eligible purchases.
• Ashley Furniture: Receive 4% back on eligible purchases.
• Dior: Receive 10% back on eligible purchases.
• Hugo Boss: Receive 12% back on eligible purchases.
• Samsung: Receive up to 4% back on eligible purchases.
• Sears: Receive 5% back on eligible purchases.
• Bose: Receive 6% back on eligible purchases.
• GoPro: Receive 6% back on eligible purchases.
• Brookstone: Receive 15% back on eligible purchases.
• Kay Jewelers: Receive 10% back on eligible purchases.
• Fanatics: Receive 8% back on eligible purchases.
• GameStop: Receive up to 4% back on eligible purchases.
• Disney Shop: Receive 8% back on eligible purchases.
• NFL Shop: Receive 8% back on eligible purchases.
• Old Navy: Receive 6% back on eligible purchases.

Which cards are eligible?

All Capital One personal credit cards are eligible for Capital One Offers, including the following:

A few things to note: Capital One small business cards are not eligible, unfortunately, and the issuer does not publish end dates for any of its offers. However, Capital One small business cardholders can take advantage of Capital One Shopping, which operates similarly.

• Office Depot: Receive 10% back on eligible purchases, up to $11. Ends Nov. 29, 2022.
• Casper: Spend over $350 on eligible purchases and get 10% back, up to $65. Ends Nov. 30, 2022.
• Dell: Receive 5% back on eligible purchases, up to $100. Ends Dec. 6, 2022.
• American Eagle: Receive 10% back on eligible purchases, up to $11. Ends Dec. 10, 2022.
• Best Buy: Receive 10% back on eligible purchases, up to $25. Ends Dec. 15, 2022.
• Old Navy: Receive 10% back on eligible purchases, up to $8. Ends Dec. 15, 2022.
• Under Armour: Receive 5% back on eligible purchases, up to $6. Ends Dec. 15, 2022.
• Forever 21: Receive 10% back on eligible purchases, up to $8. Ends Dec. 15, 2022.
• Purple: Receive 10% back on eligible purchases, up to $165. Ends Dec. 31, 2022.
• GoPro: Receive 10% back on eligible purchases, up to $22. Ends Dec. 31, 2022.
• Aeropostale.com: Receive 10% back on eligible purchases, up to $9. Ends Dec. 31, 2022.

Which cards are eligible?

As long as your card is issued in the U.S., all Chase credit cards, both personal and business — as well as debit cards — qualify for Chase Offers, including the following:

• Overstock.com: Receive 7% back on eligible purchases. Ends Nov. 30, 2022.
• Sam’s Club: Receive 5% back on eligible purchases. Ends Nov. 30, 2022.
• Fanatics: Spend over $100 on eligible purchases and get $15 back. Ends Nov. 30, 2022.
• Hurley.com: Receive 12% back on eligible purchases. Ends Dec. 26, 2022.
• Aeropostale: Receive 3% back on eligible purchases. Ends Dec. 26, 2022.
• Men’s Wearhouse: Receive 3% back on eligible purchases. Ends Dec. 26, 2022.
• Under Armour: Receive 3% back on eligible purchases. Ends Dec. 26, 2022.
• H&M: Receive 2% back on eligible purchases. Ends Dec. 26, 2022.
• Urban Outfitters: Receive 3% back on eligible purchases. Ends Dec. 26, 2022.
• Saks Off 5th: Receive 3% back on eligible purchases. Ends Dec. 26, 2022.
• Happiest Baby: Receive 6% back on eligible purchases. Ends Dec. 26, 2022.
• MLB Shop: Spend over $100 on eligible purchases and get $15 back. Ends Dec. 30, 2022.

Which cards are eligible?

While Citi doesn’t have a definitive list as to which credit cards qualify for Merchant Offers, most Citi credit cards should, including the following:

If you find credit card offers for stores you plan to shop from this holiday season, you can add a powerful layer of savings on top of those already deeply discounted Black Friday and Cyber Monday prices. These offers can often be combined with savings from shopping portals and promo codes, as they are delivered in the form of statement credits and bonus points after you make your purchase — with, of course, the exception of Capital One Offers, which functions as its own shopping portal.

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