Being Smart with Credit Cards Can Help You Get Holiday Shopping Done Faster!

Here’s a very interesting study from who have put together this study and the graphics about  holiday shopping (and waiting till the last minute to do it) as well as credit card usage. It’s also about the best ways to use your credit card to get the most discounts and best rewards for your shopping dollar. See their site for more tips!, a leading online site for smart credit card information, announced today the results of its Holiday Gift Shopping Survey* (fielded Nov. 28, 2018), which shows that 78% of consumers will shop for holiday gifts in December, and 45% still have 75% or more of their gifts to purchase. One in 4 survey respondents said they hadn’t even started shopping for gifts this year.


December Holiday Study:

1 in 4  holiday shoppers still have ALL their gift shopping to do
Thanksgiving shoppers may have set records this year, but many consumers still have a lot of shopping to do, according to data from a new Holiday Gift Shopping Survey* conducted by (fielded 11/28/18).
  found that 78% of consumers will shop for holiday gifts in December, and 45% still have at least 75% of their gifts to purchase (25% are just starting).



Credit Cards Buy More Gifts than Any Other Payment Source

The survey revealed that credit cards (37%) are the most frequent method of payment consumers will use to make gift purchases in December, followed by cash (31%), online payment services (4%), checks (3%), and cryptocurrency (2%).

While more than 6 in 10 consumers said they will use credit cards for some of their holiday purchases in December, a closer look reveals specific credit card use varies:

  • 20% of shoppers said they’ll use credit cards for ALL gifts
  • 13% of respondents said three-quarters of gift shopping will be with credit cards
  • 9% said they’ll use credit cards for HALF of all gift shopping
  • 5% said credit cards will pay for 25% of all gifts
  • 12% said they’ll use credit cards for less than 25% of all their holiday shopping
  • 2% plan to use credit cards only for large and/or expensive purchases
  • 39% of holiday shoppers said they would NOT USE credit cards at all this season

The extra security provided by using a credit card may be a motivator for some users; the survey found that 17% of cardholders use a credit card primarily for online purchases, and around 4% of users took advantage of a virtual credit card for extra protection. Roughly 6% of respondents said they planned to use a mobile wallet to make in-store or online purchases, and just 2% will use tap-and-go or contactless cards for their holiday shopping.

The survey revealed that credit cards (37%) are the most frequent method of payment consumers use to make gift purchases in December, followed by cash (31%), online payment services (4%), checks (3%), and cryptocurrency (2%).


Holiday Gift Shopping Can Be Rewarding

The survey also found that one-third of holiday shoppers who use a credit card will rely on their only card, while most consumers with more than one card will use the card that earns the most rewards for their purchase. Surprisingly, less than 2% of card users prioritize purchase protection when choosing a card for holiday spending.

“Rewards can add up quickly during holiday spending,” said Ashley Dull, editor in chief at “If you’re using credit cards without rewards to buy gifts in December, you could be missing out on savings that can be applied as credit toward your card payments or future purchases.”

Speaking of rewards, 62% of consumers looking to save on holiday gift purchases in December will not redeem credit card rewards. But, for those who do use rewards:

  • 16% – use cash back as a credit to pay for gifts
  • 6% – use points/miles for gifts and/or gift cards
  • 6% – use cash back to pay for holiday travel
  • 4% – use points/miles to pay for holiday travel
  • 6% – use store card offers to save on purchases

Survey results also showed that 62% of consumers looking to save on holiday gift purchases in December will not use credit card rewards!

More than three quarters (76%) of holiday shoppers said they do not take advantage of credit card issuer shopping portals or partner deals, while 8% reported using them for every holiday purchase, another 8% said they use it for some of their shopping, 5% reported using portals or partner deals only for large/expensive purchases, and 3% said they only use them for travel.



*Survey Methodology: polled more than 500 website users of all genders between ages 18 and 75 in the last week of November 2018 in the Google Surveys Publisher Network.

About CardRates: provides education about credit cards to more than 12 million consumers of all ages, advising them on the best card for every financial situation, including cards with the best rates, the highest limits, and how to make better credit and personal finance decisions.


Be smart with your shopping. Try to group your shopping destinations into stores that have great sales as well as offer credit card perks.

Thanks to for this timely piece on how to get the most from your shopping dollars!

Stevie Wilson,

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Author: Stevie Wilson

Digital and social media pioneer and visionary meets disruptive innovator with a passion for topics and conversations that reveal insight into the So. California lifestyle. appeals to a global audience (from Asia to Africa; Middle East to Europe, No. America to Latin America) in variety of topics and sectors: style (beauty and fashion), health & fitness, entertainment (movies, TV, books, music and more) ; food, beverages & spirits; IT Security + tech , travel, special events (red carpet to green carpet) I am known for interviews ( podcasts , textual and video conversations) with notables, celebrities and companies about interesting products & brands; profiles about places that reflect the So. CA vision and special events (Oscars, Golden Globes, Emmys & other events that illustrate celebrity , athletes and home-town "stars" lifestyle and initiatives.) that illuminate the insider's perspective of So. California's lifestyle . Learn what's hot in Los Angeles, NYC, MIami and stops closer to home that make this blog a must-read because the voice, attitude, authenticity and ability to grasp the essence of most sectors, brands & products make it easy for consumers to earn what makes a brand, initiative or product unique - whether, food, fashion or finance (or any other topic "on the table") With 15+ Years online launching websites, online magazines, forums, products & brands, my voice, authenticity and ability to grasp the essence of most sectors, brands & products make it easy for me to share what the online audience and consumers alike want to learn- how to shop, live and reflect the lifestyle they wish to emulate. Need to leverage digital and social media space? Reach out to me!

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