U.S. Bank

Most Kroger locations are open on Thanksgiving, but certain departments – such as the pharmacy – may be closed.

If you're planning to make holiday purchases, you can find WalletHub's breakdown of the best and worst retailers for Black Friday deals here.

You can redeem your U.S. Bank Cash+ rewards online from your account or by calling the Cardmember Services number on the back of your card. It's a pretty straightforward process, compared to some other redemption programs.

The Cash+ rewards can be redeemed as a:

• Deposit into your U.S. Bank deposit account
• Statement credit
• U.S. Bank Rewards Card with a $20 minimum and $5 increments

Don't forget, that the Cash+ rewards expire 36 months after the billing cycle in which they were earned.

REI Credit Card benefits include an extended warranty program, price protection, trip cancellation insurance, cellphone insurance, and concierge services. Cardholders also get a $100 REI gift card for making their first purchase within 60 days. There are plenty of other REI Credit Card perks, too: LoungeKey airport lounge membership; discounts on Postmates, Onefinestay home rentals, Boxed purchases, and Fandango movies; free ShopRunner membership; and free Lyft rides.

REI Credit Card benefits and perks:

Extended Warranty: Doubles the manufacturer's warranty (up to 2 years) on eligible purchases.

Price Protection: If the price of an eligible purchase drops within 120 days of purchase, you'll get reimbursed for the difference.

Trip Cancellation Insurance: If a trip purchased with the card is cancelled due to a covered reason, you get reimbursed for non-refundable payments to a common carrier.

Cellphone Protection: Reimburses costs when a covered cellphone is damaged or stolen, as long as you pay the cellphone bill with the card.

Concierge: Call the concierge for help with deliveries, gift buying, event tickets, and other personal needs.

LoungeKey airport lounge membership: Show the REI Credit Card to get a special pay-as-you-go rate of $32 for Lounge Key airport lounge visits.

ShopRunner membership: Gives unlimited free 2-day shipping from over 140 online stores, plus free return shipping.

Discounts: 10% off Onefinestay home rentals, $5 off Postmates orders of $25 or more, every 6th Lyft ride free (up to $10 per ride), 5% back on Boxed purchases, and $5 back when you purchase 2 Fandango movies.

REI welcome gift: $100 gift card after making your first card purchase within 60 days of account opening.

That's not all the REI Credit Card is good for, however. These benefits are in addition to the REI Mastercard's ongoing rewards: 5% back on REI purchases, 2% back on mobile wallet purchases, and 1% back on everything else. With an annual fee of $0, it's hard to beat all those upsides, especially for loyal REI shoppers.

You cannot apply for the Hobby Lobby Credit Card, since it's currently discontinued.

If you're interested in a similar credit card, I'd suggest the Kirkland's Credit Card. You can apply for it with fair credit online, by calling 1-800-431-5921 or in stores.

Keep in mind that an application will result in a hard pull on your credit and may lower your score for a short period of time. So make sure you qualify for it.

The REI Credit Card foreign transaction fee is 0%. So, this credit card will not charge you any fees while traveling internationally or making purchases from foreign-based merchants. To put that in perspective, the REI Credit Card will save you 1% - 3% when making purchases through foreign merchants.