A little bit late with this one as I have been out of the country on vacation recently, but here is something to remember while doing your Christmas shopping during the next month. Through January 4th, 2009, use your Discover card for any purchases at participating malls around the country, and receive a $20 gift card for every $200 you spend. And that's on top of the everyday rewards you usually get for using your Discover card!

The way it works is simple. Just use your card for purchases at participating malls. Save your recipts, and then bring the receipts to mall customer service when you have completed all of your holiday shopping. The gift cards will arrive in the mail in a few weeks. Note that although you are limited to $100 per Discover card, if you have multiple accounts you can make more money off of this deal.

If you don't already have a Discover card, I recommend signing up for either the Discover More Card (1% back on purchases, 5% back on purchases in certain categories, rotating quarterly; plus a $50 sign-up bonus) or the Discover Miles Card (featured in this post).