Millions of Americans use Apple products and services daily. From iPhones and MacBooks to iPads, Apple Watches and other brand devices, it’s hard to go anywhere without seeing someone using products made by the popular tech company.

Thinking about adding a new Apple device to your digital arsenal? Here’s a look at some of the best cards for Apple purchases:

  • Apple Card: Best for Apple Pay
  • Bank of America® Customized Cash Rewards credit card: Best for Apple.com purchases
  • Discover it® Cash Back: Best for intro APR
  • American Express® Business Gold Card: Best for small businesses
  • Costco Anywhere Visa® Card by Citi: Best for Costco members
  • Capital One Quicksilver Secured Cash Rewards Credit Card: Best for building credit

Apple Card: Best for Apple Pay

Why we picked it: The Apple Card* is an obvious addition to our list for Apple purchases. First, it’s specifically designed to work with Apple products and Apple Pay. The card earns 3 percent back on Apple purchases as well as with select retailers, 2 percent back on other spending when paying with Apple Pay and 1 percent back on all other purchases. You can even earn interest on your Daily Cash rewards by moving them to a high-yield savings account through a partnership with Goldman Sachs.

The Apple Card has no annual fee and doesn’t charge any other fees. Cardholders can qualify for introductory 0% APR on select Apple purchases (intro APR offers vary between eligible products).

Pros:

  • Generous cash back rate on all purchases
  • No annual fee
  • Interest earning on your rewards

Cons:

  • Requires owning an iPhone or iPad to access all card features
  • Bonus rates require using Apple Pay with your card
  • Cardholders only receive a physical card by request

Who should apply? iPhone owners who regularly use Apple Pay or want 0% introductory financing on Apple products.

Who should skip? Consumers who don’t have an iPhone.

Bank of America® Customized Cash Rewards credit card: Best for Apple.com purchases

Why we picked it: The Bank of America® Customized Cash Rewards credit card offers high rates on purchases made directly through Apple.com. Cardholders earn 3 percent cash back in the category of their choice, 2 percent at grocery stores and wholesale clubs (up to $2,500 in combined spending at grocery stores, wholesale clubs, and in choice categories each quarter) and 1 percent on all other purchases.

Online shopping is among the 3 percent categories you can choose from, which includes retailers like Apple.com and Amazon.com. Bank of America Preferred Rewards members can earn 25 to 75 percent more on eligible purchases.

Pros:

  • High cash back rates in certain categories
  • Ability to change 3-percent category monthly

Cons:

  • Rewards in some cash back categories are capped each quarter
  • Charges foreign transaction fee

Who should apply? Frequent online shoppers and current Bank of America Preferred Rewards members who qualify for increased cash back rates.

Who should skip? Individuals who prefer a simpler rewards structure.

Discover it® Cash Back: Best for intro APR

Why we picked it: Discover it® Cash Back is an excellent card to have If you want to finance Apple purchases over time without interest. The card offers 0% introductory APR on purchases and balance transfers. The card has no annual fee and earns 5 percent cash back on quarterly rotating categories you activate and 1 percent cash back on all other purchases. Plus, Discover matches all of the cash back you’ve earned at the end of your first year.

Pros:

  • 5 percent cash back on quarterly rotating spending categories
  • Generous welcome bonus
  • Lengthy intro APR offer

Cons:

  • 5 percent bonus cash back is capped at $1,500 per quarter
  • Bonus categories require activation

Who should apply? Apple fans who want to finance purchases over time while avoiding expensive interest charges.

Who should skip? Individuals who want to earn a higher cash back rate on everyday purchases.

American Express® Business Gold Card: Best for small businesses

Why we picked it: The American Express® Business Gold Card allows you to earn 4X points on the top two categories where you spend the most each billing cycle. Among the eligible categories is U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions, which includes Apple.

Cardholders can also earn 4X points for the first $150,000 spent in two select categories annually (after that, 1X points) and 1X points on other eligible purchases.

The card protects your business’ Apple purchases with additional benefits like purchase and extended warranty protection.

Pros:

  • Generous welcome bonus offer
  • High bonus rewards rates

Cons:

  • $375 annual fee
  • Rewards have a $150,000 annual spending cap
  • Few luxury travel benefits

Who should apply? Business owners with expenses that align with the card’s bonus categories.

Who should skip? Business owners who want access to luxury perks like airport lounge membership.

Costco Anywhere Visa® Card by Citi: Best for Costco members

Why we picked it: The Costco Anywhere Visa® Card by Citi* requires a Costco membership, but it earns bonus cash back in several ways, including Costco and Costco.com purchases. The popular wholesale club sells a wide array of Apple products.

The card earns 4 percent cash back on eligible gas and EV charging purchases for the first $7,000 per year (after that, 1 percent), 3 percent cash back on restaurants and eligible travel purchases, 2 percent cash back on all other purchases from Costco and Costco.com and 1 percent cash back on all other purchases.

Pros:

  • No annual fee
  • No foreign transaction fees
  • Damage and theft protection

Cons:

  • Limited redemption options (cash back is provided as an annual credit card reward certificate that’s redeemable for cash or merchandise at U.S. Costco warehouses)
  • Costco membership is required, which costs $60 to $120 annually

Who should apply? Costco members with upcoming Apple purchases.

Who should skip? Individuals without a Costco membership and those who prefer more flexible rewards.

Capital One Quicksilver Secured Cash Rewards Credit Card: Best for building credit

Why we picked it: You can still enjoy earning rewards even if you have fair credit. The Capital One Quicksilver Secured Cash Rewards Credit Card earns unlimited 1.5 percent cash back on every purchase. Note, however, that this card has an initial credit line of $200, so you may need to stick to less expensive Apple products (unless you provide a larger security deposit to qualify for a higher limit). With responsible card use, you can be eligible for an upgrade to an unsecured Quicksilver card.

Pros:

  • No annual fee
  • Opportunity to graduate to an unsecured card
  • Automatic credit line reviews

Cons:

  • $200 minimum security deposit
  • High APR

Who should apply? People with fair credit who want access to a credit card.

Who should skip? Individuals with good enough credit to qualify for an unsecured credit card.

The bottom line

The best credit cards for Apple products offer bonus rewards rates through Apple or other retailers that sell Apple products. Remember that Apple products are widely available, so there may be additional credit cards that are a better fit if you prefer shopping with specific retailers.

Consider your spending habits, bonus rates, other card benefits and fees to find the best card for your next Apple purchase.

*The information about the Apple Card and Costco Anywhere Visa® Card by Citi has been collected independently by Bankrate. The card details have not been reviewed or approved by the issuer.