If you plan on putting your Christmas shopping on plastic this season, it’s worth looking into these credit card deals. Before you sign up for the first store credit card offered to you, consider these top four holiday credit cards featured by CNN Money that can really give you the most bang for your buck.

Some of the best perks include:
5% Cash back on purchases before Jan 1, 2012
$200 Cash back after spending $500
0% APR for 1 year
No annual fees

Chase Freedom 5% Cash Back

For new customers signing up for the Chase Freedom card in the next few weeks, you can get $200 cash back after you spend $500. That’s a 40% savings just for using the card. You’ll also get 5% cash back for purchases made in department stores, dining, charities and movies through January 1, 2012.

The Chase Freedom card doesn’t charge an annual fee and it takes about 7 days to receive the card after you’re approved.

Capital One Cash

With an introductory rate of 0% for a year, the Capital One Cash card is offering $100 for new card members who spend $500 in the next 3 months. You’ll also get 1% back for all purchases, plus there’s no annual fee.

(The Chase Freedom card is better, in my opinion, but it’s worth showing the Capital card.)

Upromise World Mastercard

Bank of America offers a card that allows you to shop online at upromise.com where you’ll get 11% cash back. The rewards go into a college savings account linked through Upromise and Sallie Mae. There’s no annual fee and the 0% rate only lasts for 7 months.

Citi Dividend

The Citi Dividend card is offering 5% cash back on department stores, electronics, toys and clothing through Dec 31, 2011 and 1% cash back on every other purchase. There’s no annual fee, and you can get $150 cash back after making $750 in purchases in the first 3 months.

A Word to the Wise About Holiday Credit Cards

Don’t let the lure of spending money to get 5% back cause you to spend more than you have budgeted. The best way to use a credit card is to swipe it to buy thing you were going to buy anyway. Don’t get in the habit of leaving the balance on the card for the full year because of the ‘0% no interest’ offer. If you make a mistake and forget to make the payment, the credit card company will charge you interest for that entire year, which can really add up. Be smart and responsible when taking advantage of these enticing deals.

This has been a guest post by Tim from Kirksville, MO
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