The 4 Best Credit Cards for Halloween

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Spooky season is back, and with the return of fall the air is full of pumpkin spice and chilling breezes. It’s also time for Halloween – and that means stocking up on candy, decorations, costumes, and more. Before you hit the stores, check out our list of the best credit cards for Halloween 2023 – designed to ensure you get frighteningly good deals and rewards when shopping!

At a Glance

What are the Best Credit Cards for Halloween in 2023?

Here is a rundown of our top picks for Halloween credit cards for this year’s spooky season:

Bilt Mastercard

Bilt Mastercard
Excellent-Good
BestCards refers to a variation of FICO Score 9, 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. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Mastercard Processing Network
None Annual Fee

Bilt Mastercard

  • 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 29.24% variable based on the Prime Rate Cash Advance APR

At a Glance

The Bilt World Elite Mastercard is a unique rewards credit card from Wells Fargo that lets users earn 1X on monthly rent payments, 3X on travel, 2X on dining, and offers impressive perks including Lyft and DoorDash statement credits – all for no annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • No foreign transaction fees
  • Earn 1X points on rent payments (up to 50,000 points each calendar year)
  • Earn 2X points on travel
  • Earn 3X points on dining
  • Regular Purchase APR: 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
  • Cash Advance APR: 29.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
  • Late Payment Penalty Fee: Up to $40
  • You rent and want to earn rewards on your monthly rental payments
  • You’re a member of Bilt Rewards
  • You don’t want to pay an annual fee

Halloween is one of the scariest nights of the year – but if you rent, November 1st can be just as worrisome. Fortunately, the Bilt Mastercard takes some of the sting out of rent due with its monthly Rent Day promotion.

Bilt Mastercard cardholders earn double points per dollar on all purchases (excluding rent) on the 1st of every month, making the already rewarding credit card a points-accruing machine. As a reminder, the Bilt credit card earns 5X points per $1 spent on Bilt Dining purchases, 3X on all other dining purchases, 2X on travel, and 1X on rent payments (up to 50,000 points each calendar year). That means the Bilt Rent Day promotion can help you earn up to 11X points per $1 spent. Here’s how:

Action Rewards Total Points
Eating at an eligible Bilt Dining restaurant 5X per $1 5
Paying with the Bilt Mastercard 3X per $1 3
“Rent Day” bonus Additional 2X on all purchases* 6
11X per $1
*Bilt Dining not eligible for “Rent Day”

What makes Bilt such a versatile credit card is that it’s a first-of-its-kind card that lets you earn points on rent. Even better, you can use points to cover rent payments through Bilt or towards a future down payment. If you prefer more traditional award options, Bilt Rewards points transfer to several leading hotel loyalty and airline frequent flyer programs:

AAdvantage Aeroplan Emirates Skywards Flying Blue
IHG Rewards World of Hyatt Virgin Points

Other notable features of Bilt that make it a handy tool come Halloween include a mobile app with a built-in Bilt Wallet to help you save money on dining, track rewards, and ensure you are up-to-date on payments (being late on a payment can be very scary). There are no fees that will creep up on you either, so don’t fret about an annual fee or any foreign transaction fees should your travels take you abroad.

Sam’s Club® Mastercard®

Sam's Club® Mastercard®
Excellent-Good-Fair
BestCards refers to a variation of FICO Score 9, 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. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: 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

Sam’s Club is another great retailer for stocking up on Halloween supplies in bulk. The Sam’s Club® Mastercard® is the ideal credit card for the current Sam’s Club member who wants to maximize their savings when buying their body weight in Halloween candy – or anything else, for that matter.

The card earns 3% cash back on Sam’s Club purchases for Plus members, 3% back on dining and takeout, and 1% back on everything else. Even better, the card can also earn a bonus 5% cash back on gas anywhere Mastercard is accepted (on the first $6,000 spent per year. After that, gas purchases will earn 1% back).

The 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 existing and future Sam’s Club members who frequently fill up their gas tank and wants to save at the pump – in October, November, or whenever.

Simon® American Express® Credit Card

Simon® American Express® Credit Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, 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. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
American Express Processing Network
None Annual Fee

Simon® American Express® Credit Card

  • 21.24% to 31.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR

At a Glance

The Simon® American Express® Credit Card is a unique retail credit card that lets you maximize your rewards at the mall and anywhere else Amex is accepted. The card, from digital-first fintech Cardless, earns up to 5% cash back on all Simon Mall purchases – all for no annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • No foreign transaction fees
  • Earn 5% at any Simon Mall, Mills, or Premium Outlet in the U.S.
  • Earn 1% on all your other card purchases
  • Regular Purchase APR: 21.24% to 31.24% variable based on creditworthiness and the Prime Rate
  • You love to shop – either in-person or online – for a wide variety of products
  • You’re brand-loyal to the type of stores you find in the mall
  • You prefer card rewards in the form of statement credits
  • You do’t want to pay an annual fee
Simon® American Express® Credit Card

Simon® American Express® Credit Card

Terms & Conditions

Halloween prep requires plenty of time – from finding the right costume and decorations for your party to rushing to get last-minute supplies. The Simon® American Express® from Cardless makes these hassles a breeze with a streamlined rewards program that maximizes your rewards at the mall.

Simon American Express cardmembers earn an impressive 5% cash back at any Simon Mall merchant or location. You’ll earn maximum rewards regardless of the store name or merchant category – if it’s at a Simon Mall, it’ll earn you 5% back. This broad bonus category applies to any Simon Mall, Simon Mills, or Simon Premium Outlet location nationwide. All other purchases with the card earn 1% cash back per $1 spent.

Cardless credit cards are digital-first card products, meaning you’ll have instant access to your card upon approval, so you can add it to your mobile wallet and start spending (and earning, and saving) right away. Cardless also removes many of the fees you typically associate with credit cards. You’ll pay no annual fee, no foreign transaction fees when shopping abroad, and no fees on late payments, over-the-limit warnings, or returned payments.

Current Build Card

Current Build Card
Good-Poor-Fair
BestCards refers to a variation of FICO Score 9, 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. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good / Poor / Fair
Visa Processing Network
$0.00 Annual Fee

Current Build Card

  • 0.00% Regular Purchase APR
  • 0.00% Cash Advance APR

At a Glance

The Current Build Card is a no annual fee secured card that builds credit while earning up to 7X points and 4% APY on savings. The card features no account minimums, no overdraft fee, and spending insights to help your build credit.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Build credit with no minimum deposits and no annual fee
  • Up to 4% APY on savings
  • Earn up to 7X points on purchases with over 14,000 merchants
  • No overdraft fee
  • Regular Purchase APR: 0.00%
  • Cash Advance APR: 0.00%
  • Annual Fee: $0.00
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: 3% of any Total Due balances outstanding and past due for two or more billing cycles
  • You are new to credit and want an easy way to begin building credit
  • You plan on utilizing Current’s spending insights to help you save money
  • You don’t want to pay an annual fee to earn rewards

Ghosts and goblins are scary – but they’re not nearly as terrifying as bad credit and the impacts it can have on your financial well-being. Fortunately, cards like the Current Build Card are useful for building credit, earning solid rewards, and even padding your savings with up to 4% APY with its Current Save account option.

The Current Build Card is similar to other credit builder options, like Chime and Self, in that Current requires a Current deposit account before applying for the card. Fortunately, like Self and Chime, Current’s savings and spending accounts are versatile, robust, and free. You can build credit by making on-time payments and keeping your credit utilization low, and Current can help your score grow while earning rewards simultaneously.

Current Build earns up to 7X points per $1 spent with select merchants – currently numbering over 14,000+ in the United States. While this reward structure isn’t ideal (requiring a good deal of research before shopping), it’s a generous total and far above most subprime or other credit builder credit cards.

Other noteworthy banking perks with Current include:

  • No overdraft fees.
  • Current removes the holds gas stations put on your account to ensure payment, so your money is available to you instantly.
  • Spend smarter with money management tools that help you track your spending to budget your money better with personalized spending insights.

Suddenly, credit building isn’t so scary, huh?

Featured image by Myriams-Fotos / PixaBay

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About: Cory Santos
Cory Santos

Cory is the senior credit card editor at BestCards, specializing in everything credit card-related. He’s worked extensively with credit cards and other personal finance topics, including nearly five years at BestCards. Cory’s extensive knowledge is an essential part of the BestCards experience, helping readers to live their best financial lives with up-to-date insights and comprehensive coverage of all facets of the credit card space, including market trends, rewards guides, credit advice, and comprehensive credit card reviews.

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