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Buying a new iPhone, iPad, or MacBook isn’t cheap. The best credit cards for Apple purchases can help protect your purchases and earn bonus points in the process. Each card can help you differently, so you will need to decide if you want to earn cash or travel rewards.
Capital One Venture Rewards Credit Card
Most rewards credit cards only award 1 point/mile per $1 on Apple purchases. The Capital One® Venture® Rewards Credit Card earns unlimited 2 miles per $1 on all Apple purchases and non-Apple purchases. Through January 2020, you earn 10 miles per $1 on Hotels.com/venture purchases.
You can redeem your Venture miles for travel statement credits, booking upcoming travel, and transferring to Capital One airline loyalty programs.
Additional card benefits include an (up to) $100 fee credit for Global Entry or TSA PreCheck to avoid long airport security lines. The built-in Wikibuy shopping tool will compare the online prices for Apple products if you don’t need to buy directly from Apple. It’s also possible your devices can be extended up to 1 year after the original warranty expires.
The signup bonus is 50,000 bonus miles (worth $500 in award travel) after spending $3,000 in the first 3 months. Also, the annual fee is $0 for the first year then $95. Learn more in our in-depth Capital One Venture Card review.
Ink Business Preferred Credit Card
The Ink Business Preferred℠ Credit Card is one of the best business credit cards for Apple purchases. First, you get 3 Ultimate Rewards points on the first $150,000 in combined annual spending for these purchases:
- Shipping purchases
- Internet, cable, and phone services
- Social media and search engine advertising
All non-bonus spending earns 1 point per $1 spent. This includes any purchases made directly from Apple like iTunes or Apple Music. The Ink Business Preferred is also one of the best Chase credit cards.
If you buy the new iPhone through your cell phone service provider, you can get up to 3x Ultimate Rewards points on your purchases. A fringe benefit is getting free cell phone protection (up to $600 per claim) too.
In addition to earning up to 3x points on Apple purchases, your points can be worth at least 25% more than other credit cards. Your points are worth 1.25 cents each when booking any award travel on the Chase travel center. Each point can be worth potentially more when you transfer them to a 1:1 airline or hotel partner like United Airlines, Southwest Airlines, and World of Hyatt.
For non-travel rewards, your points are worth 1 cent each.
A third way to maximize your Apple purchases with the Ink Business Preferred is the 80,000-point signup bonus. This bonus is worth up to $1,000 in award travel. You will need to spend $5,000 in the first 3 months to earn the bonus. Upgrading to a new Apple device can make it easy to reach this minimum spend.
American Express Business Gold
The American Express® Business Gold Card lets you earn up to 4 Membership Rewards on Apple purchases. You can earn bonus points on the first $150,000 in combined annual spend for 2 categories of choice:
- U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions (includes Apple)
- Airfare purchased directly from airlines
- Online, TV, and radio advertising purchases (U.S. purchases only)
- Gas stations (U.S. purchases only)
- Restaurants (U.S. purchases only)
- Shipping purchases (U.S. purchases only)
Direct purchases technology providers include Apple, Dell, IBM, Intuit, New Egg, and TigerDirect. Other third-party sellers like Best Buy, Amazon, and eBay don’t qualify for bonus points on Apple purchases. This is also one of the best Amex Business credit cards.
Your American Express Membership Rewards points are most valuable when redeemed for award flights. Each point is worth 1 cent each when redeeming points on AmexTravel.com. One valuable perk of this card is that you get 25% of your redeemed points back (up to 250,000 points per year) for any flight on the airline of your choice. Plus, you get points back on any business class or first class flight booked on AmexTravel.com.
You can also transfer your points to over a dozen airline and hotel loyalty programs. Most of the Membership Rewards transfer partners let you transfer points at a 1:1 ratio. Some of the best airline transfer partners include Delta, Emirates, British Airways, and Singapore Airlines.
You may also appreciate the American Express Business Gold for its business benefits like working capital terms and free Bill.com vendor pay. Complimentary travel protection benefits include secondary car rental insurance and lost baggage insurance (up to $1,250 for carry-ons and $500 for checked baggage).
Wells Fargo Propel American Express Card
The information related to Wells Fargo Propel American Express® Card has been collected by Johnny Jet and has not been reviewed or provided by the issuer or provider of this product or service.
The Wells Fargo Propel American Express® card provides $600 cell phone protection per claim (up to $1200 per year). You qualify for this coverage when you pay your monthly cell phone bill with the Wells Fargo Propel. Because of this, it is one of the best credit cards for an iPhone purchase.
The Propel Card also award 3 Go Far Rewards points per $1 on these lifestyle purchases:
- Transit and rideshare
- Gas stations
- Popular streaming services (includes Apple Music)
Your points are worth 1.5 cents each when booking award flights. Each point is worth 1 cent each for all other travel, cash, and gift card rewards. This is one of the best credit cards for online shopping.
This card doesn’t have an annual fee or foreign transaction fee, which is why it’s also one of the best no annual fee travel credit cards. The signup bonus is 30,000 bonus points (worth $300 in cash rewards) after spending $3,000 in the first 3 months.
Learn more: Travel Rewards Credit Cards
The Apple Card can be your best option if you make routine Apple purchases such as through the App Store, Apple Music, or iCloud storage. You can also earn bonus points when you use Apple Pay. This Apple card also lets you redeem your purchase rewards daily for cash credit:
- 3% back on all Apple purchases
- 2% back on Apple Pay digital wallet payments
- 1% back on all remaining purchases
As not all merchants accept Apple Pay digital wallet payments(yet), many of your non-Apple purchases may only earn 1% back.
There are two other downsides for this card. First, you can’t redeem your daily cash for travel rewards (which some cards make more valuable than cash rewards). Second, this card doesn’t offer special equipment protection or AppleCare.
There is no annual fee or foreign transaction fee. This can also be one of the easiest credit cards to apply for as you only need a 600 credit score or higher to be approved. Most of the best credit cards require a minimum of 740 credit score.
If you’re interested in other easy credit cards, check out our post on the best first credit cards.
Capital One Quicksilver Cash Rewards Credit Card
The Capital One® Quicksilver® Cash Rewards Credit Card has one of the highest rewards rates for a cash back credit card. You earn unlimited 1.5% back on all purchases. A flat-rate rewards card can be a better option if Apple purchases are a small part of your monthly spending plan.
Your rewards points are redeemable for cash statement credits, erase recent purchases, and gift cards. Because of this, it can be one of the best cash back credit cards, depending on what you are looking for.
The signup bonus for the Capital One Quicksilver Cash Rewards Card is $150 bonus cash after spending $500 in the first 3 months. A large Apple purchase can easily let you earn this bonus.
There is no annual fee or foreign transaction fee. You will need a 740 credit score or above to have the best approval odds for this card.
Summary of the Best Credit Cards for Apple Purchases
Several of the best credit cards for Apple purchases award bonus points when you make purchases directly from Apple. Others might only award the base rate of 1 point per $1. However, these cards may offer free cell phone protection, more flexible point redemption options, or both.
Can I buy an iPhone with a credit card?
Yes. Any major credit card will let you purchase an iPhone directly from Apple, from a third-party retailer (i.e., Best Buy or Amazon), or through your cell phone service provider.
You should try to use a credit card that awards bonus points on the purchase and provides cell phone protection. Some credit cards, like the Wells Fargo Propel American Express® card, offer up to $600 in cell phone protection when you pay your full monthly cell phone bill with your Propel Card.
Does the American Express Business Gold earn bonus points on Apple purchases?
It’s possible to earn 4 Membership Rewards points per $1 on Apple purchases with the American Express® Business Gold Card. You will need to choose “select technology providers” to be one of your two bonus categories. Then, you can earn bonus points when you make Apple purchases directly from Apple and certain third-party retailers including TigerDirect.
What credit cards provide cell phone protection?
A few personal and business credit cards offer free cell phone protection. You will need to charge your entire monthly cell phone bill to the card. Most credit cards provide up to $600 per claim and an annual $1,200 coverage limit. You may also have to pay a per-claim deductible of up to $100.
Participating credit cards include:
- Chase Ink Business Preferred
- Wells Fargo Propel
- Uber Visa Card
- Citi Prestige Card
- IHG Premier Card
- Most Mastercard World and World Elite credit cards
Do credit card extended warranties cover Apple cell phones and computers?
It’s possible that credit card extended warranty benefits protect consumer electronics like iPhones, iPads, and MacBooks. Your credit card can extend the warranty up to one year after the original Apple warranty expires. The original warranty must also be three years or less.
However, you will need to review your credit card benefits guide to verify your Apple products are eligible.
Your credit card purchase protection benefits may also cover your purchase costs within the qualifying coverage period (usually 120 days from the purchase date). Once again, you will need to verify which events your credit card covers. Damages from normal wear and tear or neglect probably won’t be reimbursed.
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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.