So you've finally figured out what to get everyone for the holidays. You've made your shopping list and checked it twice. But before you head to the mall, you should make one final review -- of your credit cards.

Putting holiday purchases on plastic can yield better deals than other methods of payment, assuming it doesn't entice you to spend more than you would otherwise. Not only are issuers dangling promotional interest rates and seasonal rewards, but regular benefits can lead to better deals and shopper protections long after purchases are unwrapped.