The best credit cards to use at Apple

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The Apple Card is just one of many options that can help you earn rewards on your next iPhone or Mac, help fund those expensive items, or both.

Whether you’re the first in line to buy the latest iPhone, comparing Christmas gifts or designing new office decor, choosing the right credit card for your next Apple purchase can make all the difference in your savings.

For loyalists, Apple’s own credit card seems like the obvious choice. But if you don’t take advantage of the card’s interest-free financing benefits, you may be able to find better rewards or perks elsewhere.

Here are the five best credit cards to use at Apple.

Best credit cards to use at Apple

Blue Cash Everyday® Card from American Express

Our Pick: Cash Back Purchase Protection
American Express Blue Cash Everyday Credit Card

Card Details
Annual fee: $0.

APR: 0% introductory APR on purchases and balance transfers for 15 months, then rollover APR from 16.99% to 27.99% variable APR; see Tariffs and Fees.

Welcome Offer: Get $200 in credit after you spend $2,000 with your new card in the first 6 months. Conditions apply.

Remuneration:

3% off US online retail purchases when you spend up to $6,000 per year.

Get 3% cash back on purchases of up to $6,000 per year at U.S. supermarkets.

3% reimbursement to U.S. gas stations on fees up to $6,000 per year.

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1% cash back on other purchases.

Conditions apply.

Why we love Apple: If purchase protection is important to you, the Blue Cash Everyday® Card from American Express gives you 90 days of protection against theft or accidental damage to your new device. Plus, you can earn 3% back on annual U.S. online retail purchases of up to $6,000, including online purchases through Apple.com. Conditions apply.

Discover it® Cash Back

Our pick: buy at the right time
Discover It® Cash Back

Card Details
Annual fee: $0.

APR: 0% introductory APR on purchases and balance transfers for 15 months, followed by ongoing APRs ranging from 14.24% to 25.24% variable APR.

Registration Bonus: Introductory Offer: Unlimited Cash Back Contests – only from Discover. Discover automatically reconciles all cashback you earn at the end of your first year! There is no minimum spend or maximum reward. You can turn your $150 cash back into $300.

remuneration:

Earn 5% cash back on quarterly purchases up to $1,500 (activation required) of rotating quarterly reward tiers.

1% back on all other purchases.

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Why we love Apple: If you don’t mind planning your purchases with Discover’s 5% Almanac, this card offers the highest rewards rate on Apple purchases. For example, in September 2022, you can get 5% back up to $1,500 when you order through Apple.com and pay with Discover it® Cash Back at checkout. Or, from October 2022 to December 2022, use the Discover it® Cash Back in your digital wallet to buy your Apple products in person at Amazon or any store and get 5% back.

Apple Card

Our tip: Interest-free financing with cash back
Apple Card
Card Details
Annual fee: $0.

APR: 13.24% – 24.24% per annum, variable.

Sign-up bonus: Not applicable.

remuneration:

Get 3% cash back on Apple Pay purchases direct from Apple, including at Apple Stores, the App Store, and Apple Services.

3% off Apple Pay purchases at select other retailers.

2% back on all other purchases made with Apple Pay.

1% back on all purchases made with a physical Apple Card.

Interest-free financing for up to 24 months on your iPhone or Apple Watch.

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And, interest-free financing for up to 12 months on iPads, eligible Macs, and select accessories.

Interest-free financing for up to 6 months on Apple TV and AirPods.

Why we love Apple: Not only is this card the obvious choice for Apple loyalists, but it offers the best combination of interest-free financing and cash-back rewards on the same purchase.

PayPal Cashback Mastercard®

Our Picks: Online Shopping
PayPal Cash Back Mastercard

Card Details
Annual fee: $0.

APR: Current APR is 16.49%, 25.49% or 28.49% variable APR.

Sign-up bonus: none.

remuneration:

3% cash back on PayPal purchases and 2% cash back on all other purchases.

Why we love Apple: This card gives you 3% cash back on all your purchases when you order online through Apple.com (or any other online retailer) and use PayPal at checkout. However, even if you end up buying an Apple device (online or otherwise) from a retailer that doesn’t accept PayPal, you’ll get no less than 2% back on your purchase.

Wells Fargo Reflect® Card

Our Choice: Financing Bulk Purchases
Wells Fargo Reflect® Card

Card Details
Annual fee: $0.

APR: 0% APR initially for purchases up to 21 months, 0% APR for balance transfers, up to 21 months after account opening on eligible balance transfers, then 15.99% to 27.99 APR on ongoing % annual interest rate.

Sign-up bonus: Not applicable.

Reward: None.

Why we love Apple: If you’re buying Apple in bulk now and need to pay it off over time, this card offers one of the longest 0% APR terms on the market.

Other Credit Cards to Consider

Of course, the Apple Store isn’t the only place you can buy Apple products, and sometimes you can get great deals by comparing your shopping at other retailers. Consider these co-branded rewards program cards that complement the sale of Apple products at select retailers:

Amazon Prime Rewards Visa Signature Card.
Costco Anywhere Visa® Card by Citi.
Sam’s Club® Mastercard®.
Target REDcard™ Credit Card.
Capital One® Walmart Rewards™ Mastercard®.

Please note, however, that rewards offered through these co-branded cards can only be redeemed at affiliated stores.

Or, if you’re a business owner who needs to buy an Apple laptop or device for you or your employees, you can also look for a small business credit card. Some of them offer a long-term 0% APR introductory period, and many of them have “office supply store” as a bonus category, which means it might make sense to buy your Apple product or accessory from Staples or Office Depot.

So learn more:

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