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Hanging decorations, enjoying festive music and traditional food and picking out special gifts all add to the holiday excitement. And, using a credit card to pay for these experiences and purchases may give you benefits you might not expect. Try these tips to keep your finances on track and add more happy to your holidays.

Get more for your money.

Shopping online? Navy Federal members can earn even more rewards—just by shopping with their favorite merchants through our Member Deals site. We’ve partnered with more than 900 well-known retailers to help you multiply your rewards through discounts and special offers. Even Platinum cardholders can score big and earn cash back on their purchases. Best of all, the rewards you earn through Member Deals are in addition to those you already earned just by using your card.

Stretch your holiday dollars with rewards.

You can make your holiday budget stretch even further if you have a credit card that earns rewards on your purchases. Whenever you use your card, you earn rewards points or cash back, and some even double or triple the number of points you earn for certain types of purchases.

With Navy Federal Credit Cards, you can easily redeem your points for merchandise, travel or cash back to cover some of your holiday costs. And, as always, if you have a cashRewards card, you can use the cash back to pay for your purchases. Whether you have Visa®, Mastercard® or American Express®, all offer special perks, so checking what other benefits they offer could score you more savings. Check your email for special offers during the holidays and throughout the year.

Track your holiday and household spending.

When you use one credit card for all your holiday shopping, it’s easy to see how much of your holiday budget you’ve used and how much remains. And, with our mobile app,* you can even check your account before you check out. Sign in and choose your credit card account. Then you’ll see your purchases listed by date, even those that are still pending—so you can watch what you’re spending.

You can also add family to your card so you can track everyone’s spending in one place, set limits for each user and keep everyone organized and on budget. Plus, you’ll earn rewards on everyone’s holiday purchases.

Enjoy the protection your credit card offers.

Need a payment reminder or want to be notified when your account is charged for purchases online, on the phone or by mail order? You can set up account notifications for these and more.

Navy Federal accounts are monitored for fraud and unusual activity 24/7, and we’ll notify you of anything suspicious. See a transaction you didn’t authorize? You’re also protected by our Zero Liability policy—our guarantee you won’t lose a cent due to unauthorized transactions you report.

Enjoy Your Holidays

You’re all set for smart holiday shopping. That’s something you’ll be celebrating long past the holidays! If you have a Navy Federal Credit Card, be on the lookout for special offers or check Member Deals for updates.

Don’t have a card with us? Navy Federal offers a number of rewards credit cards that can get you started. See what you can earn.

This article is intended to provide general information and shouldn't be considered legal, tax or financial advice. It's always a good idea to consult a tax or financial advisor for specific information on how certain laws apply to your situation and about your individual financial situation.