Credit card benefits to use for last minute holiday shopping

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If there’s one thing he’s been guilty of, along with millions of other Americans, it’s waiting until the last minute to shop for holiday gifts. According to a study conducted by OnePoll during the 2020 holiday season, half of the respondents bought a gift on Christmas Eve and 39% of them made the purchase on Christmas Day.

If you find yourself in that same pickle, don’t worry. There are many credit card benefits that you can use to ensure that the gifts you request arrive in a timely manner.

Outline the details of the perks you can take advantage of to make sure your last-minute Christmas shopping goes smoothly.

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Credit Card Benefits for Last-Minute Christmas Shopping

Store Manager

ShopRunner is a shipping service that offers free two-day shipping when you shop with one of its partner brands, from Saks Fifth Avenue to MLBShop and Cole Haan. Usually, an annual membership costs $79, but there are many rewards credit cards that give free membership to the service.

The full list of stores ShopRunner partners with is here, and while there are dozens of cards that award free memberships, a few of our favorites are:

If you don’t have a credit card that offers ShopRunner as a feature, you can sign up for a three-month free trial of the service.

Credit cards with instant numbers upon approval

If you’re interested in adding a new credit card to your wallet, whether it’s to increase your purchasing power or earn a valuable welcome bonus, but want to be able to start spending right away, consider applying for a card with “instant” access to the number. This means that once approved, you can request that card details be sent to you immediately instead of having to wait for your new card to appear in the mail.

This is convenient if you are shopping online, but what if you plan to make purchases in person? Instead of a physical credit card, you can enter your new account details into your smartphone’s digital wallet, such as Apple Pay®, and pay with your phone.

Here are some credit cards that offer instant access numbers:

Amazon Prime or Walmart Plus

There are a few credit cards that offer free Amazon Prime and Walmart Plus memberships. Each of these programs offers fast and free shipping for your orders. In some regions, an Amazon Prime or Walmart+ membership allows you to have orders delivered to your door in just a few hours.

One might assume that a Walmart Rewards™ or Amazon Rewards Visa Signature card comes with their own subscription service for free as part of being a card member. However, this is not the case.

If you’re looking for Walmart+ benefits, consider applying for the Platinum Card from American Express. When you sign up, you get a statement credit for your Walmart+ monthly membership fee ($12.95 + applicable taxes) when you use your Platinum Card to pay. The card comes with a long list of other benefits for luxury travel, shopping, and more. Plus Ups are excluded.

If you’re a current undergraduate student, you can qualify for a variety of student credit cards, including the Deserve® EDU Mastercard for Students – which pays you back up to $59 for life after you sign up for an Amazon Prime Student subscription and spend $500 on eligible purchases at The first three billing cycles.

professional advice

If you plan to make one or more expensive purchases in the last days of the shopping season, consider getting a credit card with purchase protection. This is a free policy that covers many items from theft or damage in the first 90 days after purchase, up to a certain dollar amount.


Information about the SoFi credit card, Bank of America® Premium Rewards® credit card, Walmart Rewards™ card, and Amazon Prime Rewards Visa Signature card was collected independently by Select and was not reviewed or provided by the issuer prior to publication. If you purchase something through Amazon Prime Rewards Visa Signature card select links, we may earn a commission.

Editorial note: The opinions, analyses, reviews or recommendations contained in this article are those of the editorial board alone, and have not been reviewed, approved or otherwise endorsed by any third party.

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