Holiday Spending Hacks: Get the Most from Your Credit Card

The holidays can be magical, but let's be real, they can also be a whirlwind of shopping lists, crowded stores, and receipts that seem to multiply overnight. Between finding the perfect gifts, planning festive meals, and maybe even booking a trip, your budget can feel stretched to the max.

Here's the good news: your credit card rewards can be your secret weapon this season. Every swipe, tap, or click can earn you countless points, miles, or cashback that add up faster than you think. And redeeming those rewards? It's easier than wrapping a gift bag. They can help you check off your holiday list and even allow you to treat yourself without overspending.

Ready to make every dollar work harder? Here are four smart ways to make holiday shopping easier with credit card rewards:

Everyday Essentials

Before you even hit the holiday sales, think about the purchases you make every day, from groceries and gas to those streaming subscriptions that stack up pretty quickly depending on how many you have. While they may not be glamorous, they're the foundation of your rewards and help you get the best bang for your buck.

Every time you fill up your tank or stock up on snacks for a movie night, you're earning cashback or points. Later, those rewards can cover part of your bills or help fund your gift shopping spree. Some cards even let you apply rewards as statement credits, which means less stress when the next bill arrives.

And remember, if your card offers bonus points for essentials like groceries or fuel, make sure you're using it for those necessities. It's like giving yourself a discount every time you shop.

Treat Yourself

The holidays aren't just about giving; they're also about enjoying a little something for yourself. Luckily, your rewards make that possible without all the guilt.

You've been running around town, checking off your gift list, and now you're craving a cozy dinner out or that new gadget you've had your eye on. Instead of dipping into your budget, redeem your points for gift cards to your favorite restaurants or stores. Or use them for special purchases like home goods and electronics that you've been waiting for the right time to get.

Some cards offer extra savings through holiday related promotions that earn you more points for travel, shopping, and more, so it's a good idea to check your card's portal before you shop. You might score a little extra for less.

Travel and Experiences

If your idea of holiday cheer involves a getaway, your credit card rewards can help make it happen. Use travel points to book flights, hotels, or rental cars. From there, you can watch your out-of-pocket costs shrink and save yourself a little something for when you're actually on vacation.

Maybe you'll want matching family shirts or a refrigerator magnet spelling out the town you visited. Either way, you'll have the chance to splurge on items like that if you save early with your rewards.

Also, take advantage of options like seat upgrades or vacation packages with your rewards. A little nudge toward comfort can turn holiday travel from stressful to unforgettable. Just remember to book early and keep an eye out for bonus point offers through your card's travel portal.

Maximize Your Rewards

Real magic happens when you start stacking your rewards with other savings. Many credit cards have online shopping portals that give you extra points or cashback when you buy through their links. Combine that with store discounts or seasonal sales, and you've got a recipe for serious savings.

Before you start shopping, take five minutes to check your financial institution's website for limited-time promotions or bonus categories offered with your credit card. Those little details can add up to big rewards.

SCCU Visa Signature® and Visa® Platinum Cards

At Space Coast Credit Union, we make it easy to turn everyday spending into rewards that work for you.

SCCU Platinum Card

For every $1 spent, get 2% cashback on streaming, 1.5% cashback at gas stations and EV charging stations, and 1% cashback on all other purchases.

Redeem cashback directly to your account for instant savings.

SCCU Signature Card

For every $1 spent, earn 3X points on travel, streaming services, and groceries, 2X points at restaurants, and 1X point on everything else.

Redeem your way, whether that's gift cards, cashback, or Real-Time Rewards.

Both cards offer flexible redemption options and security features, making them perfect for holiday spending and beyond.

Make Every Dollar Count

Holiday shopping doesn't have to be stressful or expensive. By using your credit card rewards wisely, you can save money, enjoy perks, and even treat yourself along the way.

Check your card's reward options today and start redeeming!