Surprising Ways to Save Even More on Black Friday

By Kris Majaski. Last updated 23 May 2017. 0 comments

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If you are one of the thousands of shoppers who have accepted and triumphed over the challenge of Black Friday's frenzied crowds, early hours, and long lines, you're likely familiar with the slew of benefits associated with shopping on this day of huge discounts and bargains. However, you might be missing out on even more savings and perks if you aren't using your credit cards when you shop. While shoppers might be hesitant to break out the plastic for holiday shopping, Black Friday is one of the best shopping days of the year to use a credit card. Here's why you should only use your credit card on Black Friday. (See also:13 Awesome Credit Card Perks You Didn't Know About)

Cash Sign-Up Bonuses

While it's common for credit cards to offer cash sign-up bonuses, there aren't many shopping days better than Black Friday for taking advantage of those bonuses. Black Friday shoppers aim to complete a large part, if not all, of their holiday shopping, which means it's easier to meet the spending requirements that come with sign-up bonuses. Plus, the sign-up bonus you receive in return, can be counted as an additional discount on your purchases, further maximizing the discounts you already scored shopping on Black Friday. (See also: Credit Cards with the Best Cash Bonuses)

Extended Warranty

Many credit cards include an extended warranty feature that we often overlook. In most cases, the card will extend the warranty for at least an additional year. This can become a valuable feature especially when many Black Friday sales and discounts include electronics, gaming systems, and appliances. Usually, if you want to extend the manufacturer's warranty on a purchase, you have to pay extra but using a credit card that comes with extended warranty doesn't cost you anything. Check your card agreement to check if there are any limits to the purchases it covers. (See also: Best Benefits Each Card Issuer Offers)

Price Protection

Some cards include price protection services for ensuring that you’re getting the lowest price possible. Finding the flat screen you waited hours in line for available a week later for an additional $100 off can be maddening. If a product you purchased is available cheaper, you can receive a refund of the price difference.

Theft and Damage Protection

Let's face it, a good deal can stir up any shopper, and things can get hectic on Black Friday. The last thing you want to worry about is stolen or damaged purchases. Many credit cards provide protection against theft or damage — and often loss, as well — and will reimburse you the cost of the purchase.

Return Protection

Because of the very nature of Black Friday, store return policies are often limited. While you might be able to take advantage of a once-in-a-lifetime deal on cashmere sweaters, it does you no good if you find out your mother-in-law is allergic to cashmere and you can't return them. Another reason to use your credit card for Black Friday shopping is because many include return protection. If the store won't accept your return, you can turn to your card's return protection feature and get a refund that way.

Valuable Rewards Programs

You can't really mention the benefits of using credit cards without pointing out the valuable rewards that many offer. If you have a cash back card with rotating rewards, the bonus categories often include popular stores for holiday shopping. What's better than getting an amazing deal on Black Friday, and then getting 5% cash back on top of that? When you map out your Black Friday plan, you can figure out which cards to use to earn the most cash back.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


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