Best Halloween Credit Cards

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Mastercard Processing Network

$0 Annual Fee

Citi Custom Cash℠ Card

18.99% – 28.99% (Variable) Regular Purchase APR
18.99% – 28.99% (Variable) Balance Transfer APR
29.99% (Variable) Cash Advance APR
0% for 15 months on Purchases Intro Purchase APR

At a Glance

The Citi Custom Cash? Card is a generous cash back credit card that offers up to 5% back on eligible purchases. The card, from Citi, does not charge an annual fee and rewards 5% back on the top spending category each month, with options including transit, travel, gas, groceries, dining, and more.

Best Benefits
Rates & Fees
Why Should You Apply?

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.99% – 28.99%, based on your creditworthiness.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
No Annual Fee
Citi will only issue one Citi Custom Cash℠ Card account per person.

Intro Purchase APR: 0% for 15 months on Purchases
Regular Purchase APR: 18.99% – 28.99% (Variable)
Intro Balance Transfer APR: 0% for 15 months on Balance Transfers
Balance Transfer APR: 18.99% – 28.99% (Variable)
Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
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 want to earn 5% back but do’t want quarterly categories
You plan on spending $1,500 within the first 90 days
You have a large purchase in mind that you want to pay down over time
You plan on transferring an existing balance within the first four months
You don’t want to pay an annual fee

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Citi Custom Cash℠ Card

Part of the process of preparing for Halloween is realizing that you simply don’t have enough candy. Maybe you “accidentally” ate it all before the first trick-or-treaters arrived, or perhaps you didn’t purchase enough. Either way, a quick trip to the local store is usually on the cards.

Speaking of cards, the Citi Custom Cash℠ Card is a great cash back pick for last-minute candy purchases. The card can earn you 5% in cash back on your highest spending category each billing period, including grocery stores (where there is plenty of candy).

The 5% back categories with the Custom Cash include the following and are limited to the first $500 spent every billing period: dining, drugstores, fitness clubs, gas stations, grocery stores, home improvement stores, live entertainment, select travel, select streaming services, and select transit.

The Custom Cash also features a lengthy introductory period with 0 interest on balance transfers and purchases. That 0% intro APR period extends for 15 months, making the card rewarding, versatile, and convenient.

Sam’s Club® Mastercard®

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Mastercard Processing Network

None Annual Fee

Sam’s Club® Mastercard®

20.65% or 28.65% variable based on creditworthiness and the Prime Rate Regular Purchase APR
20.65% or 28.65% variable based on creditworthiness and the Prime Rate Balance Transfer APR
25.65% 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: 20.65% or 28.65% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 20.65% 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: 25.65% 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

More Details

Sam’s Club® Mastercard®

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 – October, November, or whenever.

Citi® Double Cash Card – 18 month BT offer

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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

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Citi® Double Cash Card – 18 month BT offer

While the Citi Custom Cash Card earns 5% back in select categories, the different rewards approach of the Citi Double Cash Card also makes it an exceptional option for Halloween purchases.

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 those purchases. So, the card essentially earns 2% cash back almost everywhere. That unlimited 2% cash back is more than what a close competitor – the Chase Freedom Unlimited – provides at 1.5%. Additionally, the card carries no annual fee and offers a lengthy 18-month 0% intro APR offer on balance transfers for new accounts.

The lack of an annual fee, the prospect of 2% cash back, and the 0% introductory APR on balance transfers make the Citi Double Cash Card a solid everyday credit card for those looking to save this Halloween, holiday season, or any day of the year.

Chase Freedom Flex

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None Annual Fee

Chase Freedom Flex

19.74% to 28.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
19.74% to 28.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
29.74% variable based on the Prime Rate Cash Advance APR
0% for 15 months from account opening date Intro Purchase APR

At a Glance

The Chase Freedom Flex is a hybrid cash back credit card that offers something for everyone. The card earns 3% cash back on dining and drugstore purchases, plus up to 5% back on rotating categories each quarter after activation – all for no annual fee.

Best Benefits
Rates & Fees
Why Should You Apply?

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening
Earn 5% on up to $1,500 on combined purchases in bonus categories each quarter you activate
Earn 5% on travel purchased through Chase Ultimate Rewards
Earn 3% on dining at restaurants, including takeout and eligible delivery services
Earn 3% on drugstore purchases
Earn 1% on all other purchases
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24%-27.99%
No annual fee – You wo’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card

Intro Purchase APR: 0% for 15 months from account opening date
Regular Purchase APR: 19.74% to 28.49% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 15 months from account opening date
Balance Transfer APR: 19.74% to 28.49% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance APR: 29.74% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR: Up to 29.99%
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40

You want a versatile cash back credit card that earns rewards across various categories
You don’t mind the lower cash back rates for dining and drugstore purchases over previous Chase cards
You prefer to book travel through Chase Ultimate Rewards
You don’t want to pay an annual fee for premium Mastercard features

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Chase Freedom Flex

The Chase Freedom Flex is another excellent cash back credit card with 5% rotating categories. For Q4 2022, the Freedom Flex earns 5% back on the first $1,500 in combined spending on purchases in-store at Walmart and via PayPal.

Walmart is another great source for Halloween candy, decorations, and supplies, but PayPal is the real enticing bonus category with the Freedom Flex. PayPal is an extremely useful online payment and mobile wallet tool – accepted by millions of retailers worldwide. All you need to do is link the Freedom Flex to your PayPal account and set it as the default payment method. This versatility makes the 5% category near-universal – especially if the retailer where you pick up your Halloween goodies features contactless payments.

Prime Visa

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Visa Processing Network

None Annual Fee

Prime Visa

18.99% to 26.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
18.99% to 26.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
29.74% variable based on the Prime Rate Cash Advance APR

At a Glance

The Prime Visa Signature® Card 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: 18.99% to 26.99% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: N/A
Balance Transfer APR: 18.99% to 26.99% 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: 29.74% 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

More Details

Prime Visa