Bonus-friendly holiday season offers appealing credit card sign-up bonuses, encouraging smart spending and usage.

The "bonus-friendly season" from October to December is a prime time for those looking to apply for new credit cards, as attractive sign-up bonuses can be met through holiday spending. However, it's essential to assess credit requirements, potential annual fees, and whether the card's rewards fit your spending habits. Most importantly, ensure you can pay off your balance monthly to avoid interest charges and debt accumulation while pursuing these rewards.