15/08/2022

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40 Best possible Tech Presents to Purchase This Vacation Season 2021

Select’s editorial team works independently to review financial products and write articles we think our...

Select’s editorial team works independently to review financial products and write articles we think our readers will find useful. We may receive a commission when you click on links for products from our affiliate partners.

Holiday shopping is equal parts exciting and stressful. For many people, that stress isn’t just about running around figuring out what gifts to get their loved ones — it’s also about making sure their finances don’t take a serious hit as a result of increased spending.

According to the International Council of Shopping Centers’ Annual Holiday Shopping Intentions survey, the average holiday shopper plans to spend $637 on gifts and other holiday-related expenses this year.

So to help you manage your holiday budget and get the best deals possible, members of the Select team chimed in with their best tips. Here’s what they shared:

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Set price alerts for specific products

Use a combo of rewards apps and credit cards to try reward stacking

Reward stacking is when you combine several shopping rewards programs to maximize the discounts, points and cash back you receive on a purchase. This could mean buying a gift using a credit card that allows you to earn cash back and using a browser extension on top of that to earn cash back there as well.

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Ashirvad Parikh, CNBC’s e-commerce compliance manager, takes this approach with his shopping. For example, he might use one credit card to get a complimentary membership for a grocery delivery service then use a rewards app to find items he can get cash back on. From there, he might purchase those items with another credit card offering grocery rewards to earn additional cash back.

There are many reward shopping services and credit cards that can help you earn as many rewards and cash back as possible. Personally, I love the Rakuten browser extension for getting cash back since it’s simple to use — just add it to your browser and click the “activate” button when you’re on an eligible website. There are hundreds of retailers that participate. From time to time, the cash-back percentage for different retailers may temporarily increase or even double, which gives you an opportunity to earn even more for items you were going to purchase anyway.

And when it comes to credit cards, the Wells Fargo Active CashSM Card gives you 2% cash rewards on all eligible purchases with no limit to how much cash back you can earn. And new cardholders can take advantage of the welcome bonus: Earn $200 in cash rewards after you spend $1,000 on purchases in your first three months from account opening.

Wells Fargo Active Cash℠ Card

On Wells Fargo’s secure site

  • Rewards

    Unlimited 2% cash rewards on purchases

  • Welcome bonus

    $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months

  • Annual fee

  • Intro APR

    0% APR on purchases and qualifying balance transfers for the first 15 months from account opening

  • Regular APR

    14.99% to 24.99% variable on purchases and balance transfers

  • Balance transfer fee

    Introductory fee of 3% ($5 minimum) for 120 days from account opening, then up to 5% ($5 minimum)

  • Foreign transaction fee

  • Credit needed

If you prefer rewards related to travel perks, the Discover it® Miles card offers unlimited 1.5X miles for every dollar spent on all purchases. And Discover will automatically match all the miles you earn at the end of your first year of using the card. So for example, if you rack up 35,000 miles within the first 12 months, Discover will match you with 35,000 miles. That’s a total of 70,000 miles or $700 toward travel.

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Discover it® Miles

On Discover’s secure site

  • Rewards

    Automatically earn unlimited 1.5x Miles on every dollar of every purchase – with no annual fee.

  • Welcome bonus

    Discover will match all the Miles you’ve earned at the end of your first year.

  • Annual fee

  • Intro APR

    0% Intro APR for14 months on purchases and 10.99% Intro APR for 14 months on balance transfers

  • Regular APR

  • Balance transfer fee

    3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

  • Foreign transaction fee

  • Credit needed

Organize a holiday gift exchange and set a price limit

Save up for a holiday shopping fund throughout the year

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Shop on Black Friday and Cyber Monday to see if you can get anything on your list on sale

Don’t wait until the last minute

For rates and fees for the Discover it® Miles, click here.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.