As the air turns crisp and pumpkin spice fills the shelves, it's not just your wardrobe that needs a seasonal refresh—your credit card strategy does too. Fall is the perfect time to gear up for holiday spending and make the most of the rewards your card offers. Whether you're shopping for gifts, booking travel, or enjoying festive outings, here's how to maximize your benefits and keep your finances in shape.
Know Your Seasonal Rewards Categories
Fall is full of opportunities to earn more with your Members First Credit Card. From October 1 – December 31, 2025, you can earn double the rewards on select digital and retail purchases—just in time for holiday shopping and seasonal prep. This includes:
- Online Shopping: Treat your loved ones—and yourself—by earning 2x rewards when you shop at participating online retailers. Whether you're checking off your holiday gift list or grabbing seasonal essentials, your purchases pay off.
- Wholesale Clubs: Perfect for stocking up on ingredients for festive meals, bulk gifts, and household items. Your holiday prep just got more rewarding.
- Clothing & Shoes: Shop at stores specializing in men’s, women’s, children’s, and family clothing, shoes, and accessories—and earn double the points while refreshing your fall wardrobe or gifting stylish finds.
- Bookstores, Games, Toys, Sports, and Hobby Shops: From cozy reads to creative hobbies and fun gifts, purchases at these retailers are doubly rewarding this season.
Stack Rewards with Holiday Promotions
Retailers often run special promotions in the lead-up to Black Friday and Cyber Monday. Combine these with:
- Cashback portals
- Card-linked offers
- Limited-time point multipliers
Redeem Points for Holiday Gifts and Travel
If you’ve been saving up rewards points, fall is a great time to redeem them to help pay for your holiday travel expenses. You should:
- Book flights early to avoid peak pricing
- Use points for hotel stays or car rentals
Set a Holiday Budget and Track Spending
It's easy to overspend during the holidays. Utilize the My Cards card management and budgeting tool on Internet Banking and the Members First mobile app to:
- Set spending limits
- Categorize purchases
- Turn your card on/off at your discretion
- And more
Staying on top of your spending helps you avoid debt and keeps your financial goals intact.
Be Strategic, Not Impulsive
Maximizing credit card rewards isn’t about spending more—it's about spending smarter. Use your card where it gives you the most value, take advantage of seasonal perks, and aim to pay off your balance quickly to avoid interest charges.
Ready to Make the Most of Fall Rewards With A Members First Credit Card?
Redeem your points today or apply for one of our rewarding credit cards. Whether you're shopping for seasonal essentials, booking travel, or simply enjoying everyday purchases, your Members First credit card rewards you every step of the way.
APR = Annual Percentage Rate. Rates and terms are based on individual credit worthiness. The method of computing finance charges (or interest) for purchases (including new purchase) is based on the Average Daily Balance. Rates are subject to change without notice. For our complete credit card disclosure, click here.
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