Best Credit Cards for Last-Minute Holiday Shopping

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Last updated on August 24th, 2023

Buying presents during the holidays is stressful, but what happens if time is running out and the space under your tree is looking particularly bare? Here are some of our favorite credit cards for last-minute holiday shopping:

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At a Glance

The Best Credit Cards for Last-Minute Shopping

Looking for a credit card that provides the versatility you need for any last-minute holiday shopping? Here are some of our top picks:

Sam’s Club® Mastercard®

Sam's Club® Mastercard®
Excellent-Good-Fair
BestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Excellent/ Good/ Fair
Mastercard Processing Network
None Annual Fee

Sam’s Club® Mastercard®

  • 20.9% or 28.9% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 20.9% or 28.65% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 25.90% or 31.65% variable based on creditworthiness and the Prime Rate Cash Advance APR

At a Glance

The Sam’s Club® Mastercard® offers Sam’s Club members everywhere up to 5% cash back on gas purchases, 3% back on dining, and more – all for no annual fee. From Synchrony Bank, the card also features no foreign transaction fees, Mastercard’s near-global acceptance, and special savings when shopping at Sam’s locations nationwide.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn 5% cash back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%)
  • Earn 3% cash back on Sam’s Club purchases for Plus members. Club members earn 1% cash back
  • Earn 3% cash back on dining and takeout
  • Earn 1% cash back on other purchases at Sam’s Club and wherever Mastercard is accepted
  • No annual fee
  • Regular Purchase APR: 20.9% or 28.9% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 20.9% or 28.65% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.90% or 31.65% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $40
  • You’re a current Sam’s Club or Sam’s Club Plus member
  • You frequently purchase gasoline with a credit card
  • You do’t want to pay an annual fee or foreign transaction fee
  • You spend heavily on dining each month

The Sam’s Club® Mastercard is another great last-minute holiday shopping resource, especially given the sheer volume (and array) of products offered by Sam’s Club. The card offers Sam’s Club members everywhere up to 5% cash back on gas purchases, 3% back on dining, and more – all for no annual fee.

Earning 5% back with the Sam’s Club Card is on par with many of the other nominees for “best gas credit card,” making it something of a no-brainer for the current Sam’s Club member who frequently purchases gasoline and wants to save at the pump this holiday season.

Keep in mind that the Sam’s Mastercard requires a current Sam’s Club membership – and requires a Sam’s Plus membership to reach that maximum rewards rate.

Citi® Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer
Excellent-Good
BestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Excellent/ Good
Mastercard Processing Network
$0 Annual Fee

Citi® Double Cash Card – 18 month BT offer

  • 18.99% – 28.99% (Variable) Regular Purchase APR
  • 18.99% – 28.99% (Variable) Balance Transfer APR
  • 29.99% (Variable) Cash Advance APR

At a Glance

The Citi® Double Cash Card is one of the most versatile cash back credit cards on the market today, thanks to impressive, flat-rate cash back, lucrative introductory 0% APR offers, and more. Cardholders earn 2% back on every eligible purchase: 1% back at the time of sale and an additional 1% back when they pay their statement balance. Cash back is redeemable for statement credits, direct deposits, checks, or converted as ThankYou® points.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.99% – 28.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Regular Purchase APR: 18.99% – 28.99% (Variable)
  • Intro Balance Transfer APR: 0% for 18 months on Balance Transfers
  • Balance Transfer APR: 18.99% – 28.99% (Variable)
  • Balance Transfer Transaction Fee: 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.
  • Cash Advance APR: 29.99% (Variable)
  • Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
  • Penalty APR: Up to 29.99% (Variable)
  • Annual Fee: $0
  • Foreign Transaction Fee: 3%
  • Late Payment Penalty Fee: Up to $41
  • Return Payment Penalty Fee: Up to $41
  • You prefer earning cash back at a flat rate rather than in rotating categories
  • You’re looking to either consolidate existing balances or pay down a large purchase with no interest charges for an extended period of time
  • You like to have the flexibility of converting cash back into lucrative rewards points
  • You’re considering a credit card without an annual fee
Citi® Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer

Terms & Conditions

The Citi® Double Cash Card earns a flat-rate 1% cash back on all eligible purchases – and another 1% back when the account holder pays off that balance. Additionally, the card features no annual fee and a lengthy 18-month intro APR offer for new accounts.

The lack of an annual fee, the prospect of 2% back, and the 0% introductory APR on balance transfers for the first 18 months make the Citi Double Cash Card the perfect everyday credit card for those looking to save when last-minute shopping, or hoping to pay down an existing card balance.

The Double Cash from Citi earns rewards as ThankYou Points. Cardmembers can opt for statement credits, gift cards, merchandise, or other award options or use their points to book travel through Citi ThankYou® Rewards.

Prime Visa

Prime Visa
Excellent-Good
BestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Excellent/ Good
Visa Processing Network
None Annual Fee

Prime Visa

  • 19.49% to 27.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 19.49% to 27.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR

At a Glance

The Prime Visa offers cardholders impressive rewards on all Amazon.com and Whole Foods purchases, as well as elevated cash back at gas stations, drug stores, restaurants, transit, commuting, and more.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Instant Amazon.com gift card on approval
  • Earn 5% Back at Amazon.com and Whole Foods Market with an eligible Prime membership, plus 5% Back on purchases made through Chase Travel.
  • Earn 2% Back at restaurants, gas stations, and drugstores, plus 2% Back on local transit and commuting, including rideshare.
  • Earn 1% Back on all other purchases
  • No foreign transaction fees
  • No annual fee
  • Regular Purchase APR: 19.49% to 27.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: N/A
  • Balance Transfer APR: 19.49% to 27.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 29.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39
  • Minimum Deposit Required: N/A
  • You frequently shop at Amazon or Whole Foods
  • You have an existing Amazon Prime membership
  • You want a card with no foreign transaction fees and Visa concierge services for your travel plans
  • You want a flexible rewards program, including savings at gas stations dining
  • You want the excellent customer service Amazon is known for

Actually getting out of the house and hitting the stores is one of the worst parts of last-minute shopping. Fortunately, sites like Amazon make shopping from the comfort of your own home a breeze this holiday season – and the Prime Visa from Chase is the perfect tool for maximizing your savings when shopping with the ubiquitous brand.

The Prime Visa offers 5% cash back on Amazon.com and Whole Foods purchases, plus 2% back at restaurants, gas stations, and drugstores. New accounts also receive an Amazon gift card instantly upon approval – plus, Chase is extending the 2% cash back to all purchases with the card through March 2022.

Like the Sam’s Club Mastercard, the Prime Visa requires an active Amazon Prime membership to receive the most rewards. Non-Prime members only receive 3% back with Amazon or Whole Foods, which, while decent, isn’t 5%.

Upgrade Triple Cash Rewards Visa®

Upgrade Triple Cash Rewards Visa®
Excellent-Good-Fair
BestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Excellent/ Good/ Fair
Visa Processing Network
None Annual Fee

Upgrade Triple Cash Rewards Visa®

  • 14.99% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 14.99% to 29.99% Balance Transfer APR

At a Glance

The Upgrade Triple Cash Rewards Visa® offers no fees, low rates, cash back, and credit lines up to $25,000 in one unique package. The card provides the flexibility and predictability consumers need to pay down balances and get debt-free quickly.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
  • No annual fee
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
  • *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.
  • Regular Purchase APR: 14.99% to 29.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 14.99% to 29.99%
  • Balance Transfer Transaction Fee: Up to 5%
  • Foreign Transaction Fee: Up to 3%
  • You struggle to pay off your credit card balances
  • You want to earn up to 3% cash back on purchases
  • You can reliably pay off your statement balances to earn cash back for your purchases
  • You have a desire to get debt-free quickly
  • You don’t want to pay an annual fee
Upgrade Triple Cash Rewards Visa®

Upgrade Triple Cash Rewards Visa®

Terms & Conditions

The Upgrade Triple Cash Rewards Visa® offers 3% cash back on all eligible purchases in select Home, Auto, and Health categories. Those triple cash back (3% back for every $1 spent on purchases) categories are broad, making the card a versatile earner that excels for use in everyday life – or the last-minute shopper seeking just the right gift.

The Triple Cash Rewards Visa works and behaves just like other Upgrade Card products – a huge plus for those that want a great low rate and the predictability of an installment loan.  Cardholders can use funds from their line of credit to their bank account to pay off existing debt. This process makes the card an ideal alternative for a balance transfer credit card.

The information related to the Citi® Double Cash Card has been collected by BestCards.com and has not been reviewed or provided by the issuer or provider of this product or service.

Featured photo by Alexas_Fotos/ PixaBay

About: Cory
Cory Santos

Cory is BestCards.com's "Jack of all trades" and resident credit expert, covering all facets of the credit card space. Cory holds academic degrees in both the U.S. and U.K. In addition to credit cards, Cory finds that jogging, cats, and memes are essential parts of a balanced day.

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