Some deals already are online or in stores, but as the rush begins, here are some background and suggestions from WalletHub, a personal finance website:
— Belk, JCPenney and Stage (the latter not in the Tri-Cities) are the top three of 2018’s Best Stores for Black Friday, offering an average discount of at least 62.1 percent. Kohl’s, which is in the Tri-Cities, was a close fourth.
— More than 10 percent of items will be more expensive on Black Friday than they currently are on Amazon.com.
— Jewelry will offer the most value on Black Friday relative to their current prices, while computers and phones are expected to be the least rewarding deals.
— Thirty-five percent of people plan to spend more than $500 on holiday shopping in 2018, versus 33 percent last year, according to WalletHub’s 2018 Holiday Shopping Survey.
— Disney, iTunes and Visa top the list of 2018’s Best Gift Cards.
— Consumers can save more than $500 with one of 2018’s Best Credit Cards for Holiday Shopping.
— Most consumers already have access to little-known credit card benefits that can really come in handy over the holidays, including price-drop protection and coverage for damaged or stolen items.
— All store credit cards do not charge an annual fee, and the average card offering rewards in the form of discounts gives you more than 29 percent off your first purchase, according to WalletHub’s 2018 Store Card Landscape Report.
— Most of the major retailers offering zero percent financing use a dangerous feature called deferred interest, which has the potential to make holiday purchases up to 27.5 times more expensive than expected.