In today’s tech-driven world, Apple stands as a juggernaut, setting trends and pushing boundaries in personal devices and cutting-edge innovations. But these gadgets can be expensive.
Luckily, you can use credit cards to buy Apple products. These cards give you rewards and benefits when you buy Apple gadgets.
So, whether you’re eagerly awaiting the latest iPhone release, looking to upgrade your Macbook, or simply want addition of a new Apple device to your digital collection, we’ve got you covered with tips and details on how to get the most out of your Apple purchases.
In this guide, we’ll help you figure out which credit card is best for Apple purchases.
What is the best credit card for Apple purchases?
The top credit cards for buying Apple products give you extra rewards when you shop at Apple or other retailers selling Apple products.
To find the perfect card, determine how you spend your money, the bonus rewards you want, and what other perks or fees come with the card.
Choosing the right credit card for your Apple purchases is a smart financial move that allows you to maximize rewards, enjoy added protection and other perks.
With the vast array of credit cards, it can be challenging to pinpoint the absolute best one for Apple products, as their availability extends beyond just Apple stores.
Five Best Credit Cards for Apple Purchases
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Apple Credit Card: Best for Apple Pay
The Apple Credit Card is ideal for Apple purchases because it offers the highest cashback rate of 3% on purchases made directly with Apple, which includes Apple stores, the App Store, iTunes, and various Apple services.
It means you get more value back for every dollar spent on Apple products and services.
Plus, the card seamlessly integrates with Apple Pay, providing 2% cashback on all transactions- in-store or online.
This synergy between the Apple ecosystem and the Apple Credit Card ensures you earn the most rewards when purchasing Apple products, making it the best credit card for Apple purchases.
Sign-Up Offer Rewards Rate Annual Fee None
– 3% cashback on Apple purchases
– 3% on selected merchants like Uber and Uber Eats, Walgreens, Nike, Exxon and Mobil gas station, Ace Hardware
– purchases, etc. made via Apple Pay
– 2% on all other purchases made via Apple Pay
– 1% on all purchases made with the physical Apple Card
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Thanks to a partnership with Goldman Sachs, you can earn interest on your Daily Cash rewards by transferring them to a high-yield savings account.
The Apple Credit Card boasts zero annual fees and does not burden cardholders with additional charges.
Eligible cardholders may even qualify for an introductory 0% APR on specific Apple purchases. Diehard Apple enthusiasts will find this card ideal for all their Apple-related expenses, such as iPhone, Apple Music, Apple TV, MAC, and more.
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card_name: High Rewards on Travel & Dining
It is an excellent credit card for Apple purchases due to its compelling rewards structure and versatile benefits.
The card offers a competitive 2 miles per dollar on everyday spending, including Apple products.
This translates to an impressive 3.7% return on Apple purchases, making it a lucrative option for tech enthusiasts.
MasterCard is widely accepted by Apple, whether shopping at Apple stores, online, or through the App Store.
It comes with an attractive welcome bonus that provides extra value when applied to your Apple purchases and zero foreign transaction fees so you can buy Apple products while traveling internationally.
Sign-Up Offer Rewards Rate Annual Fee bonus_miles_full
– 10X miles on hotels & rental cars booked through Capital One Travel
– 5X miles on flights booked through Capital One Travel
– 2X miles on all other purchases
annual_fees
Additionally, the card_name Credit Card provides valuable perks like purchase protection, extended warranty coverage, and travel insurance, enhancing the overall value.
While it does come with a $395 annual fee, the robust rewards and benefits make it a rewarding choice for those looking to maximize returns on their Apple investments.
You can earn significant miles when buying Apple products- useful for your next trip!
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card_name: Best for Everyday Spending
The card_name card is a top choice for Apple enthusiasts seeking valuable rewards without an annual fee. This card provides excellent cashback opportunities, making it a smart choice for Apple purchases.
Cardholders can earn 3% cashback on their first $6,000 spent each year on U.S. Online Retail Purchases, making it great for purchasing Apple gift cards or accessories.
Sign-Up Offer Rewards Rate Annual Fee bonus_miles_full
– 3% Cash Back at U.S. supermarkets, at U.S. gas stations, and on U.S. online retail purchases, on up to $6,000 per year in purchases (then 1%)
– 1% back on all other eligible purchases
annual_fees
With an introductory APR of intro_apr_rate,intro_apr_duration, then reg_apr,reg_apr_type and balance transfers, the American Express Blue Cash Everyday card is a cost-effective way to finance Apple purchases without accruing interest.
It also provides perks like purchase protection, a $84 Disney Bundle credit, and access to American Express Experiences. Terms Apply**.
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card_name: A Versatile Card
The card_name is a great credit card for purchasing Apple products due to its versatile rewards structure and perks.
While it doesn’t offer a specific bonus for Apple purchases, its rewards categories encompass a broad spectrum, including travel, dining, grocery, and entertainment, which can include spending at the Apple Store or on Apple products online.
Sign-Up Offer Rewards Rate Annual Fee card_name
– Get 5x total points on travel purchased through Chase Ultimate Rewards
– 2x points on other travel purchases
– 3x points on dining, including eligible delivery services & takeout
– 3x on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
– 3x points on select streaming services
annual_fees
Reward points earned with the card_name can be redeemed for various travel rewards, including flights and hotels. Plus, the card provides a lucrative sign-up bonus, which can be valuable for reducing the cost of your Apple purchases.
It offers benefits like travel insurance, 120 days of purchase protection, a one-year warranty extension, and no foreign transaction fees.
The card_name can enhance your overall shopping experience, especially if you’re buying Apple products on your international trip.
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Capital One QuicksilverOne Cash Rewards Credit Card: No Annual Fee Card
The Capital One QuicksilverOne Cash Rewards Credit Card is an exceptional credit card for Apple purchases due to its straightforward and rewarding cashback structure.
With a flat 1.5% cashback on all eligible purchases, including Apple products, it offers a reliable and hassle-free way to earn cash back on your tech purchases.
You can redeem your cashback rewards flexibly, including as a statement credit to offset your Apple purchases. Additionally, this Visa card comes with welcome offer of bonus_miles_full, providing an immediate incentive for Apple enthusiasts.
Sign-Up Offer Rewards Rate Annual Fee bonus_miles_full
– Unlimited 1.5% cash back on all purchases
annual_fees
The intro_apr_rate,intro_apr_duration, then reg_apr,reg_apr_type is advantageous if you need time to pay off your Apple purchases without incurring interest.
Furthermore, it offers 5% back on hotels and rental cars booked through Capital One Travel, no foreign transaction fees, and 6 months of complimentary Uber One Membership.
| Credit card | Uthrive rating | Intro offer | Rewards rate | Annual fee | Learn more |
|---|---|---|---|---|---|
Terms Apply | Rating
4.7/5 | Intro Offer bonus_miles_full | Reward Rates Up to 10x Miles | Annual Fees annual_fees | |
Terms Apply | Rating
4.6/5 | Intro Offer bonus_miles_full | Reward Rates Up to 3% Cashback | Annual Fees annual_fees* | |
Terms Apply | Rating
4.8/5 | Intro Offer bonus_miles_full | Reward Rates Up to 5x Points | Annual Fees annual_fees | |
Terms Apply | Rating
4.6/5 | Intro Offer bonus_miles_full | Reward Rates Up to 5% Cashback | Annual Fees annual_fees |
What credit score do you need for an Apple card?
To secure an Apple Credit Card, offered by Goldman Sachs in collaboration with Apple, you typically need a credit score of 600-700 or higher
. While there is no officially disclosed minimum credit score requirement, this range provides a general guideline on credit scores for Apple cards based on user experiences and industry standards.
However, a credit score is not the sole factor in your application’s approval.
Goldman Sachs takes a holistic approach, considering various aspects of your financial history, including your credit utilization, payment history, income, and debt-to-income ratio.
They may also review your existing relationships with Apple, such as an Apple ID or Apple Pay usage.
A credit score above 700 and a solid credit history are more likely to result in approval, and applicants with higher scores may enjoy better terms, including lower interest rates.
How to apply for an Apple credit card?
Follow these steps to apply for an Apple Credit Card:
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Check Eligibility
Ensure you meet the eligibility requirements before applying. Generally, a credit score of 600 to 700 or higher is recommended for a better chance of approval. You’ll also need to be at least 18 years old and a U.S. resident.
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Gather Required Information
Be prepared with personal information such as your full name, date of birth, residential address, Social Security number, and annual income.
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Apply Online
You can apply for the Apple Credit Card online through the Wallet app on your iPhone or by visiting the official Apple Card website. To apply through the Wallet app, follow these steps:
Step 1: Open the Wallet app on your iPhone.
Step 2: Tap the “+” button to add a new card.
Step 3: Select “Apple Card” and tap “Continue.”
Step 4: Fill in the required information and submit your application.
After you submit your application for the Apple Credit Card, Goldman Sachs, the bank behind it, will review your submission.
The decision can be instant or take a few days. If approved, you’ll receive an offer detailing your credit limit, APR, and terms, which you should review carefully.
To start using your Apple Credit Card, simply accept the offer through the Wallet app.
Keep in mind that approval isn’t guaranteed, as criteria may vary. Maintaining good credit habits is crucial to enhance your chances of approval and secure favorable terms.
How to get approved for an Apple credit card?
To improve your chances of approval for an Apple Credit Card, you must take care of a few things.
To increase your chances, ensure your credit score is in good standing, preferably above 700.
Keep your credit utilization low by paying down outstanding balances on other credit accou
Provide accurate income details to demonstrate your ability to manage credit responsibly.
Review your credit report for inaccuracies and dispute any errors promptly.
If you’re new to credit, consider becoming an authorized user on a family member’s credit card to establish a positive credit history.
Apply directly through the Apple Wallet app for a streamlined process.
Be patient while the issuing bank reviews your application. If approved, review your offer carefully and accept it. Upon acceptance, your Apple Credit Card will be added to your Apple Wallet, ready for use.
How to add a credit card for Apple pay?
To add a credit card to Apple Pay, follow these instructions:
Open the Apple Wallet App and tap the “+” sign to add a new card.
You can manually enter card details or use your device’s camera to capture them.
Input the card number, expiration date, security code, and cardholder’s name if entering manually.
Apple will verify the card with your bank, which may involve additional verification steps.
Agree to terms and set up Touch ID or Face ID for added security.
Your credit card is now added to Apple Pay, allowing you to make secure and convenient contactless payments.
Keep in mind that the exact process may vary depending on your Apple device and operating system version.
Is an Apple Card the best credit card for Apple purchases?
The Apple Credit Card is a top-notch credit card for Apple purchases, but whether it’s the best credit card depends on your specific preferences and spending habits.
It boasts no annual fee and rewards you with 3% cash back for Apple purchases and eligible partners like Nike, Walgreens, and Exxon Mobil. It also grants 2% cash back on Apple Pay transactions and 1% for all other expenses.
However, other credit cards may provide higher reward rates or more flexible redemption options.
For example, some cards offer up to 5% cash back or bonus points on select categories, including electronics and online shopping, which can include Apple products.
Consider your overall spending patterns to determine if the Apple Credit Card or another credit card from our list aligns better with your financial goals and rewards preferences.
How to choose the best credit card for Apple purchases?
The challenge with credit cards lies in the number of options available, making it difficult to find the perfect fit for your lifestyle. To narrow down your choices effectively, consider the following factors:
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Apple Spending
Are you a frequent buyer of Apple products or an avid user of Apple Pay? If you invest in Apple accessories or appreciate the convenience of Apple Pay, opt for a card that rewards these specific purchases.
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Primary or Additional Card
Determine whether you seek an additional credit card to complement your existing lineup with added Apple benefits or if you’re looking for your primary or sole credit card.
Explore more versatile options like the card_name or card_name.
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Rewards Structure
Do you prefer a straightforward, flat-rate rewards card, or are you open to managing rotating or bonus categories? If you prefer simplicity, a flat rate like the Wells Fargo Active Cash® Card may be ideal.
By addressing these questions, you can streamline your credit card selection process and find the best Apple credit card that aligns with your unique preferences.
FAQ
Does Apple Card give discounts on Apple products?
No, the Apple Credit Card does not offer any discounts on Apple products.
Is it worth using Chase points for Apple?
Using Chase points for Apple purchases may not be the most efficient use of points, as their value is generally higher when redeemed for travel through the Chase Ultimate Rewards Portal.
What credit card works best with Apple Pay?
The Apple Credit Card is regarded as the best credit card for Apple purchases as it works seamlessly with Apple Pay, offering 2% cashback for Apple Pay purchases.
Which card gives a discount on Apple products?
No credit card in general gives any discount on Apple products, although some other cashback and rewards points on Apple purchases.
Can I buy an iPhone with a credit card?
Yes, you can buy an iPhone with a credit card, as long as the store or retailer where you’re making the purchase accepts credit card payments.
Many retailers accept credit cards as a form of payment for buying iPhones and other products.
What is the Apple Card interest rate?
The Apple Credit Card‘s interest rate, the Annual Percentage Rate (APR), can vary depending on your creditworthiness when you apply.
The APR for Apple Credit Card range from 19.24% to 29.49% Variable.
Does the Apple Card report to credit bureaus?
Yes, the Apple Credit Card reports to credit bureaus, which can help you build or improve your credit history when you use the card responsibly.
What is the limit on the Apple Card?
The credit limit on the Apple Credit Card varies depending on your creditworthiness and other factors.
It’s determined by the issuing bank, Goldman Sachs, and can range from a few hundred dollars to several thousand dollars or more.
What is Apple Card minimum payment?
The minimum payment for the Apple Credit Card is typically the greater of $25 or the total amount that is due.
