Transcript: The Changing Battlefield ...

During peak shopping periods like Black Friday and Cyber Monday, some incentives can jump up considerably. For example, during Cyber Monday, cashback reached as high as 15 percent for some shops.

Learn about the best ERP software available right now, including SAP S/4HANA, Oracle NetSuite ERP, and Microsoft Dynamics 365.

Looking for the best business plan software? I tested data-driven platforms to help you plan your business operations from the ground up, from content schedules to funding to market research.

Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC Select will update as changes are made public.