With a 15.24 percent annual percentage rate, the Chase Sapphire Preferred Card might seem out of place on this list. However, its value comes from the 40,000 bonus points (redeemable for a $400 statement credit) it gives cardholders for spending $3,000 within the first three months. With that extra money, you might not even need to finance holiday shopping.
An online gift card exchange could help in this same vein, as it enables you to sell unused gift cards for cash and buy new gift cards at a discount. Roughly 60 percent of consumers want gift cards this holiday season, according to the National Retail Federation.
