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Best credit cards to use at Apple

Written by Edited by
Published on September 13, 2023 | 4 min read

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If you’re a fan of Apple products, you may want to consider a credit card that will help you maximize rewards on those purchases. With so many options available, choosing the best card for you can be overwhelming, but we’ve researched and rounded up the top credit cards for Apple purchases to help you choose the card that will work best for you. 

Comparing the best credit cards to use at Apple

If you’re considering adding new technology to your household, here’s a look at some of the best cards you can use for Apple purchases.

Card Name Best for Highlights Bankrate Score
Apple Card* Apple Pay
  • 3% cash back on Apple purchases and select merchants when using Apple Pay

  • 2% cash back on Apple Pay purchases

  • 1% cash back on other purchases
3.5
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card Cash back
  • 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose

  • 3% cash back on your first $1,500 in eligible purchases each quarter on your chosen everyday category

  • 1.5% cash back on other purchases
N/A
Bank of America® Customized Cash Rewards credit card Online shopping
  • 3% cash back on your first $2,500 in combined purchases with the 2% category each quarter on your chosen everyday category

  • 2% cash back at grocery stores and wholesale clubs 

  • 1% cash back on other purchases
4.1
Discover it® Cash Back Intro APR
  • 5% cash back on rotating categories each quarter up to $1,500 in purchases (1% after)

  • 0% intro APR on purchases and balance transfers for 15 months and 3% intro balance transfer fee until December 10, 2024 (18.24% to 28.24% variable APR and 5% balance transfer fee after)

  • 1% cash back on other purchases
4.4
American Express® Business Gold Card
Small businesses
  • 4X points on your top two spending categories each month (from a choice of six categories) on the first combined $150,000 in purchases each year (1X points after)

  • 1X points on other purchases
5.0

Top credit cards to use at Apple

Apple Card image
Best for Apple Pay

Apple Card

Rating: 3.5 stars out of 5
3.5
Best for cash back

U.S. Bank Shopper Cash Rewards™ Visa Signature® Card

Bank of America® Customized Cash Rewards credit card image
Best for online shopping

Bank of America® Customized Cash Rewards credit card

Rating: 4.1 stars out of 5
4.1
Discover it® Cash Back image
Best for intro APR

Discover it® Cash Back

Rating: 4.4 stars out of 5
4.4
American Express® Business Gold Card image
Best for small businesses

American Express® Business Gold Card

Rating: 5 stars out of 5
5

How to choose the best credit cards to use at Apple

Consider your spending habits, bonus categories and other card features to find the best card for your next Apple purchase.

  • Try to earn a welcome bonus with your purchase. Apple purchases are generally expensive, so you may be able to complete or knock out a significant chunk of your minimum spending requirement on a new credit card welcome bonus with your purchase, which can quickly put rewards or cash back in your pocket.
  • Consider cards that can serve you well for the long term. While you want to find the best rates for Apple purchases, consider the other bonus categories and features offered. If a card provides opportunities for everyday value, it’s a much better choice for the long term.
  • See what you can stack together. If you can maximize multiple features of a card with your purchase, the value will grow exponentially. For example, making a large purchase on the U.S. Bank Shopper card could earn 6 percent cash back while also earning your welcome bonus, which could earn over $340 in cash back for your purchase. 

What to watch out for when making Apple purchases

Making Apple purchases isn’t always straightforward. Here are some things to watch out for.

  • Remember that Apple products are widely available. You may want to shop around with specific retailers to find the best deal, especially if you have cards that offer better rewards at other stores.
  • The Apple Store doesn’t officially have a price match policy. Other retailers that sell Apple products have official price-matching policies, so if you think you might see the price drop soon, you may want to keep this in mind since you won’t get a better price.
  • Read the fine print on what you’re buying, especially your warranty. Make sure you examine all the technical features of your purchase so that they’ll meet your needs. Also, consider what kind of warranty comes with your purchase and determine whether an extended warranty from AppleCare makes sense. Remember, many cards come with extended warranty and purchase protection, so you’ll want to familiarize yourself with the details of your card if it offers these features.

Frequently asked questions

What’s next? 

Check out these Bankrate tools to match your next card.

The bottom line

When purchasing Apple products, choosing the right credit card can help you save money and earn rewards. With so many great credit card options, it’s essential to carefully consider your spending habits and choose the one that best fits your needs. So the next time you’re in the market for an Apple product, make sure to use the right credit card and reap the benefits.

*The information about the Apple Card, U.S. Bank Altitude® Reserve Visa Infinite® Credit Card and the U.S. Bank Shopper Cash Rewardsâ„¢ Visa Signature® Card has been collected independently by Bankrate. The card details have not been reviewed or approved by the issuer.Â