Best Credit Cards to Use at Apple

The Apple Card is just one option among several that can earn you rewards on your next iPhone or Mac, help you finance those pricey items, or both.
Sep 20, 2022

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Whether you're first in line for the latest iPhone release, comparison shopping for holiday gifts or putting together a new office setup, choosing the right credit card for your next Apple purchase can make a big difference in your savings.

For loyalists, Apple's own branded credit card may seem like the obvious choice. But unless you're taking advantage of that card's interest-free financing benefits, you may be able to find better rewards or benefits elsewhere.

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

Best credit cards to use at Apple

🤓Nerdy Tip

As you compare credit cards for your Apple purchase, make sure to also comparison shop retailers for the best price point on your Apple product. Combining the best product price point with the right credit card rewards is the best way to maximize your savings.

Blue Cash Everyday® Card from American Express

Our pick for: Purchase protection with cash back

American Express Blue Cash Everyday Credit Card
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CARD DETAILS

Annual fee: $0.

APR: 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 16.99%-27.99% Variable APR; see rates and fees.

Welcome offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Terms Apply.

Rewards:

  • 3% back on U.S. online retail purchases on up to $6,000 spent per year.

  • 3% cash back at U.S. supermarkets on up to $6,000 spent per year.

  • 3% back at U.S. gas stations on up to $6,000 spent per year.

  • 1% back on other purchases.

  • Terms apply.

Why we like it for Apple: If you care about purchase protection, the Blue Cash Everyday® Card from American Express can give you 90 days worth of peace of mind against theft or accidental damage to your new device. Plus, you can get 3% back on U.S. online retail purchases up to $6,000 per year — including online purchases through Apple.com. Terms apply.

🤓Nerdy Tip

If you’re purchasing a new iPhone or iPad with a wireless plan attached, extend the protection on your device by paying your monthly wireless bill with one of many cards that offer cell phone insurance.

Discover it® Cash Back

Our pick for: The well-timed buy

Discover it® Cash Back
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CARD DETAILS

Annual fee: $0.

APR: 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 14.24%-25.24% Variable APR.

Sign-up bonus: INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Rewards:

  • 5% cash back in rotating quarterly bonus categories on up to $1,500 in purchases each quarter (requires activation).

  • 1% back on all other purchases.

Why we like it for Apple: If you don’t mind planning ahead to time your purchase with Discover’s annual 5% calendar, this card could earn the highest rewards rate available for Apple purchases. For example, in September 2022, you could earn 5% back on up to $1,500 by ordering through Apple.com and paying through PayPal with your Discover it® Cash Back at checkout. Or from October through December 2022, purchase your Apple products either at Amazon or in person at any store with your Discover it® Cash Back in a digital wallet to earn 5% back.

🤓Nerdy Tip

Compare other popular cards with rotating cash-back categories that may align well with your purchase of a new Apple product. For example, in Q4 of 2022, the Chase Freedom® and the Chase Freedom Flex℠ feature PayPal and Walmart as 5% bonus categories, so you could buy your Apple product in one of those ways as well.

Apple Card

Our pick for: Interest-free financing with cash back

CARD DETAILS

Annual fee: $0.

APR: The ongoing APR is 13.24%-24.24%, Variable.

Sign-up bonus: N/A.

Rewards:

  • 3% cash back on Apple Pay purchases made directly with Apple, including in Apple stores, within the App Store and for Apple services.

  • 3% back on Apple Pay purchases with select other retailers.

  • 2% back on all other purchases made through Apple Pay.

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

  • Up to 24 months interest-free financing on an iPhone or Apple Watch.

  • Up to 12 months interest-free financing on iPads, eligible Macs and select accessories.

  • Up to 6 months interest-free financing on Apple TVs and AirPods.

Why we like it for Apple: Beyond being the obvious choice for Apple loyalists, this card offers the best combination of interest-free financing and cash-back rewards on the same purchase.

PayPal Cashback Mastercard®

Our pick for: Online Shopping

PayPal Cashback Mastercard
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CARD DETAILS

Annual fee: $0.

APR: The ongoing APR is 16.49%, 25.49% or 28.49%, Variable APR.

Sign-up bonus: None.

Rewards:

  • 3% cash back on PayPal purchases, 2% back on all other purchases.

Why we like it for Apple: When you order online through Apple.com (or any other online retailer) and use PayPal at checkout, this card earns 3% cash back on all purchases. But even if you end up buying your Apple device from a merchant — online or otherwise — that doesn't accept PayPal, you won't do any worse than 2% back on the purchase.

🤓Nerdy Tip

Prefer testing out products in person at the Apple Store? You can still take advantage of the rewards available on your PayPal Cashback Mastercard®. Once you've made your final selection, go online to Apple.com to make your purchase through PayPal and select "pick up in store" as your delivery method. Often, your product can be ready to take home in as little as 15-30 minutes.

Wells Fargo Reflect® Card

Our pick for: Financing a large purchase

Wells Fargo Reflect® Card
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CARD DETAILS

Annual fee: $0.

APR: 0% intro APR on Purchases for up to 21 months and 0% intro APR on Balance Transfers up to 21 months from account opening on qualifying balance transfers, and then the ongoing APR of 15.24%-27.24% Variable APR.

Sign-up bonus: N/A.

Rewards: None.

Why we like it for Apple: If you need to make a large Apple purchase now and pay it off over time, this card offers one of the longest 0% APR periods on the market.

Other credit cards to consider

Of course, the Apple Store is not the only place to purchase Apple products, and sometimes you can take advantage of a deal by comparison shopping with other retailers. Consider these co-branded cards for rewards programs that may pair well with a sale on Apple products at a particular retailer:

Note, though, that the rewards offered through these co-branded cards may only be redeemable at affiliated stores.

Alternately, if you're a business owner who needs to purchase Apple laptops or devices for you or your employees, you could consider looking into small-business credit cards. Several of them offer lengthy 0% intro APR periods, and more than a few of them feature "office supply stores" as a bonus category, meaning it might make sense to purchase your Apple products or accessories from Staples or Office Depot.


To view rates and fees of the Blue Cash Everyday® Card from American Express, see this page.

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