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A Christmas bonus that comes early

Several retailers are offering cash back on balances stored on Christmas Club savings cards, but don’t delay.

The Sears Christmas Club card offers a 3% bonus up to $100 on balances as of November 15th, but the card must be activated by October 31st. The reloadable gift card can be used at Sears, Kmart, Lands End, mygofer and The Great Indoors. Toys R Us has a similar program, but the bonus is paid on the card balance as of October 16th.

I haven’t found any other offers like these in our area, but another way to boost your holiday budget is to open a Christmas Club account at a local credit union. The advantage here is that you can set up direct deposit to make funding the account simple. And you’ll earn a little bit of interest between now and the holidays.

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