SHARECOMMENTMORE

CLEVELAND -- It's actually one of my most frequently-asked questions: "What credit card is the best for my holiday shopping?"

As you can imagine, I'm very particular when it comes to which credit card I use and how I use it. After extensive tests by myself and my Ways 2 Save confidants, we've come up with a list of which cards bring you the most holiday bang for your buck.

Obviously my first pick are credit cards without an annual fee, but I do make one exception below and you'll see why. You won't go wrong with any of the cards below. They're all great for your holiday shopping and beyond. If you apply today, you'll have one of these cards in your hands well before the holidays and Black Friday rolls around. If you're looking for more deals, please feel free to follow me on Twitter. CLICK HERE

Best credit cards to earn cash and points from your holiday shopping and travel purchasing to travel over the holidays:

Discover More Card
• Earn 5% cash back on up to $1,500 in purchases at department stores and onall online shopping through December.
• No annual fee

Chase Freedom MasterCard
• Earn $100 bonus cash back after you make $500 in purchases in your first 3 months
• 5% cash back on up to $1,500 spent between Oct. 1 and Dec. 31, 2012 at hotels, airlines (on rooms and tickets purchased directly with the hotel/airline), Best Buy and Kohl's
• No annual fee

Blue Cash Preferred Card from American Express
• Earn $150 cash back in Reward Dollars when you spend $1,000 in the first three months of card membership.
• Get 6% cash back at U.S. stand-alone supermarkets, 3% cash back on gasoline at U.S. stand-alone gas stations and select major department stores; 1% cash back on other purchases.
• No spend minimum, no enrollment, and no rotating categories.
• Annual fee of $75

Capital One Cash Rewards
• $100 Bonus after you spend $500 in the first 3 months
• 50% bonus on the cash back you earn every year
• 1% cash back on all purchases
• No annual fee