Do you get “cash back” rewards on your credit card? Redeem those rewards by using it to pay your credit card bill. You can also see what other ways are available for redeeming the rewards.
We normally pay for most of our Christmas gifts by redeeming our credit card rewards for gift cards. Twenty dollars worth of rewards money often gets us a $25 gift card in return. Amazon will even link up to Discover card so you can use your rewards directly to pay for Amazon purchases.