Best Credit Cards For Apple Purchases

A list of the best credit cards for purchases with Apple based on your spend, pulled from a database of 250+ cards. Calculate and compare results.


Apple is one of the big four companies in the world next to Facebook, Amazon, and Google. Apple is most known for the iPhone as well as several other items including Macbooks, Airpods, and iPods. Apple purchases can be on the expensive side so you'll want to make sure you're getting the most out of your investment.

The easiest way to earn on Apple purchases is by using one of Apple's two credit cards. The Goldman Sachs Apple Card is the newest card and it offers 3% daily cash on Apple purchases and features several other categories. Daily cash is credited to your Apple Cash account daily, meaning you don't have to wait for your statement to cut to use it. The Barclays Apple Rewards Card also earns a 3% return, but rewards can only be redeemd for iTunes and Apple gift cards. It also offers special financing which can be useful if you don't want to pay the full amount up front. I've used it several times, and recommend it as long as you pay off your balance in full before the financing period ends.

You will not find this card in the list below, but the American Express Platinum Card is a great option for Apple purchases. Not because of the low 1 Membership Rewards Points you earn per $1 spent at Apple, but because of the superb purchase protection the card offers. You'll get 90 days of purchase protection (up to $10,000 per occurrence), up to 1 additional year of warranty, and 90 days of return protection (even if the store refuses to accept your return). The card has a hefty fee, but it loaded with benefits that primary AND authorized users have access to.

Apple is not a store that most people make multiple purchases at per year, so if you're not grabbing either of the three cards listed above, you can benefit with any standard 2% cash back credit card or a card that earns a great return on points that you find valuable such as the AMEX Blue Business Plus.

Best Cards By Category Calculator

The Best Credit Cards By Category Calculator below will find the best credit cards for the listed categories based on your spend and the filter options selected. This will output a list of up to 50 credit cards sorted by total return.

Compare credit cards side by side based on spend, benefits, and fees.

I recommend using the Rewards Calculator which allows you to compare results side by side other cards, factor in sign up bonuses, add authorized users, select elite status (hotel cards), and much more.

Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.

Apple.com

Apple (In-Store)

Apple Music

Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option. If you want to calculate based on a full year, you can leave it set to a duration of 'year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such. Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations. You can set any of the currencies listed below to 0 to calculate based on the non-transfer value (in which most are 1 cent per point with the exception of Chase's 1.25/1.5 cent redemptions).
When transferring to other programs, you should be able to get 1 to 2 cents in value for most of the programs listed below, so I defaulted most to a low average of 1.5 cents. You can click on the to learn more about the value of the currency (opens in a new tab/window).

Include Annual Credits/Bonuses

Several credit cards feature annual bonuses. These are usually anniversary bonuses for having the card, airline credits, hotel credits, and more. If you want these included in the calculation, you can check thy box below.

Bank

The bank that issues the card. De-select the banks that you do not want in the results.

Network

The network that the card is tied to such as VISA, Mastercard, Discover, or AMEX.

Card Type

The type of card such as a co-branded airline card, bank rewards card, or cash back card. Do note that some store cards will appear under cash back if you're able to redeem cash back like a normal cash back credit card.

Reward Type

The type of rewards the card earns. This will either be points, miles, or cash back.

Personal/Business

Toggle the showing of personal or business cards in the results. Card combinations are also featured on this site. The combo option is only available if it's more than one category you're enter spend for.

Annual Fee

The range of fees you're willing to pay to wield such awesome credit cards. The First Year Free (FYF) / First Year Reduced (FYR) option will only show FYF/FYR cards that has an second year (and onward) annual fee that falls within the range you entered.

Income Requirements

Some credit cards require a certain amount of annual individual or household income. Enter a max income or enter -1 to show all cards.

Foreign Transaction Fees

Toggle whether to include credit cards that have a foreign transaction fee, foreign conversion fee, or any other type of charge that has to do with making purchases outside of the region.

Results

Do note that results may take a few seconds to generate after doing a search.
You can click on the 'Rewards Calculator' for any of the cards listed in the results to calculate even more accurate results. You'll be able to enter spend for other categories, toggle fees, add authorized users, and more.
Results Will Appear Here

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