Why Use a Rewards Checking Account for Holiday Shopping?

The holidays are here…and so are the expenses! From gift shopping to festive dinners, it’s easy for costs to pile up. But what if your holiday spending account turned your expenses into kickbacks? That’s where a rewards checking account comes in. It provides a simple way to earn perks, stick to your budget, and shop like a pro—all while enjoying the season. Keep reading to learn about checking accounts with rewards and why they are a great idea.

Rewards Checking Account Meaning

A rewards checking account is just like a regular checking account, but better. Instead of simply holding your money, it offers incentives for everyday purchases. Whenever you use the debit card linked to your checking account rewards, you can earn benefits like:

• Cash back on purchases
• Points for gift cards or merchandise
• Discounts at participating retailers

These advantages will help you turn your checking account into a “holiday helper.” Every swipe brings you closer to extra perks, without the stress of credit card debt!

3 Reasons to Choose Rewards Checking for Holiday Spending

Let’s face it, your holiday purchases are already happening. Why not get rewarded for them? Here are 3 benefits of checking accounts with perks:

1. Maximize Bonuses During Peak Spending

The holiday season is prime time for earning rewards because your spending naturally increases. Groceries for holiday meals? Gifts for loved ones? Travel expenses? All of these can earn benefits when you pay with your debit card online or in person.

And here’s the best part: those same rewards can fund the next item on your list. Use the cash back and special discounts to cover presents and festive extras. It’s the gift that keeps on giving!

2. Stay on Budget while You Shop

Overspending during the holidays is easy, but using your debit card rewards will save you from breaking the bank. Here’s how:

• Track transactions easily through digital banking
• Set a holiday spending cap and use your account only for gifts and travel
• Enjoy rewards as a bonus (rather than an excuse to overspend)

By keeping all holiday purchases in one account, you will have a clear picture of your spending—not a jumbled pile of receipts and card statements.

3. Safer than Credit Cards

During the holiday season, credit cards often carry 2 main risks: 1) interest charges and 2) debt. The best rewards checking accounts offer smarter alternatives:

• No interest fees
• Secure debit transactions with easy monitoring
• Built-in fraud protection and zero-liability coverage

Plus, using your checking account reduces any temptation to overspend on credit. You will enjoy the security of a checking account AND the benefit of rewards—without the financial hangover! And if something does go wrong, you have the backing of your bank’s fraud protection team, so you can shop confidently this winter.

What Banks Have the Best Checking Account Rewards?

If you are ready to find the top rewards bank account, look no further than Academy Bank’s Select Rewards Checking Account! It’s easy to open and loaded with perks. Plus, it offers EVERYTHING you need for a stress-free holiday season.

Why is it the best rewards checking account?

• Earn cash back shopping rewards
• Save with exclusive discounts at thousands of retailers, both local and national
• Track spending easily with mobile³ and online banking
• Free ATM machine access through MoneyPass¹
• Buyers’ protection and extended warranty,^✝ providing extra coverage for those big-ticket holiday purchases
• Cut costs at the pump with fuel rewards for holiday travel²
• Roadside assistance during your travels^✝
• Enjoy travel and leisure savings on hotels and entertainment
• Identity theft protection and resolution, adding security for holiday transactions
• Cell phone protection^✝…because life happens
• AND MORE!

Unwrap better banking this season! Explore the Select Rewards Checking Account online or visit a local branch! (Banks near me).

Open Rewards Checking

Want to see all your options? Compare checking accounts here.

MORE HOLIDAY MONEY TIPS:
Holiday Fraud Protection
How to Build Credit While Holiday Shopping
Top Ways to Use a Personal Loan for Holiday Expenses
Online Calculators & Money Management