No matter if it is for an iPhone, MacBook, or something else entirely – credit cards offer rewards while protecting purchases with damage and theft coverage as well.
Apple Card offers an attractive daily cash back rate for people shopping with them; however, it may not be suitable for every shopper.
1. Discover it Cash Back
Apple products are beloved staples among tech enthusiasts, yet their premium electronics can be costly. Finding a credit card to use at Apple will enable you to maximize savings and rewards while simultaneously cutting costs.
Discover it Cash Back offers compelling value to anyone who regularly uses Apple products, including its wallet and apps. It earns you 3% back when purchasing from Apple directly and select partner merchants; two percent on Apple Pay purchases; and one percent for other purchases – not to mention no annual fee and $0 late payment fee waiver! Plus it comes equipped with access to FICO credit score information, an online monthly spending summary summary feature, as well as overnight card replacement service!
Apple enthusiasts who wish to finance purchases over time without incurring interest can use this card, which matches all cash back earned in its first year. You must activate quarterly rotating categories in order to take advantage of higher cash back rates.
Apple Card is not the only card offering great value when used to buy Apple products; for instance, Chase Sapphire Preferred and American Express Platinum Card both provide purchase protection and extended warranty coverage on every new purchase. This coverage could offset an annual fee for some consumers depending on how often they shop with this type of credit card.
Small business owners can realize great value from using some of the top cards for purchases at Apple. Cards such as American Express’ Blue Cash Everyday provide lengthy 0% introductory APR periods on all purchases with “office supply stores” being one of their bonus categories – ideal for Apple shoppers who frequently need office supplies and computer accessories for their devices. Furthermore, they provide travel rewards on each purchase plus valuable extras like no foreign transaction fee and extended payment terms to lower interest rates on larger purchases and make payments more manageable.
2. Chase Sapphire Preferred
Apple products are an integral part of life, so using a credit card that offers maximum rewards on Apple purchases makes sense. Such cards typically provide cash back, points or other incentives when shopping at Apple as well as extended warranty and purchase protection plans that could save money when investing in one of their gadgets.
The Apple Card was specifically created for those deeply immersed in Apple’s ecosystem. With an excellent rewards rate for Apple purchases and its sleek metal card that integrates perfectly into iPhones and other Apple products, as well as providing zero interest for six to 24 months on purchases made at participating merchants, its rewards rates offer excellent returns for spending with the company.
However, due to its limited value outside the Apple ecosystem, this card may not be ideal for people who shop often at non-Apple merchants and stores. Other cards like Chase Sapphire Preferred may offer greater flexibility as general-purpose rewards cards.
Chase Sapphire Preferred credit cards provide not only a generous 3% rewards rate on Apple purchases but also earn points that can be redeemed for travel and other rewards. Their zero liability protections protect you against unwarranted charges on your card while their cutting-edge fraud monitoring alerts you immediately to potential risks.
Chase Sapphire Preferred’s unpublished “5/24” rule can be an inconvenience; this means if you receive five new cards within 24 months from any issuer, your application for it may be denied. While this should not be a dealbreaker for most shoppers, it should be remembered when applying for this card. Otherwise, however, this card offers great perks and points when shopping Apple and extra incentives are given out when spending on bonus categories each billing cycle.
3. Ink Business Preferred
Chase Ink Business Preferred offers businesses that prioritize Apple purchases with significant rewards at an unbeatably competitive rate, in addition to boasting a set of robust benefits and an annual fee of only $95, including an attractive signup bonus and high rewards rates in many expense categories.
This card not only offers 3X points on business travel, shipping, internet advertising and cable and phone services purchases; but it also features an impressive perk: cellphone protection. When paying their cellphone bill with this card, consumers will get up to $600 of coverage for damage or theft of company-owned devices; considering how often businesses spend money on cell phones this is an invaluable feature that could save a substantial sum in case of loss.
The Ink Business Preferred offers several valuable perks for business travelers, including primary car rental collision damage waiver and roadside dispatch services. Furthermore, no foreign transaction fees apply when making transactions outside the U.S. Additionally, for frequent flyers this card offers trip interruption and cancellation insurance as a further benefit.
There may be other cards offering more points on Apple purchases, but the Ink Business Preferred is an ideal solution for small-business owners making significant purchases and seeking a card with good earning rates across a range of categories. Multiple Ultimate Rewards cards that earn in different areas will enable you to maximize their value – as you’ll be able to redeem them at higher rates when booking travel through Chase website.
For those without the strong need for the Ink Business Preferred card, its sister cards Ink Business Cash and Unlimited both provide solid earnings rates with many perks – including being able to transfer earnings between cards. Furthermore, both don’t count against the 5/24 rule, making them suitable options for those newer to credit. It is possible to hold all three Ink Business cards (and their associated signup bonuses) simultaneously!
4. Barclaycard Arrival Plus
The Barclaycard Arrival Plus stands out among travel credit cards by providing travelers with valuable travel rewards without making them select a particular airline or hotel chain. In addition to an attractive sign-up bonus, this card earns two miles for every dollar spent across all purchases – giving an effective earning rate of 2.1% (comparable with many other travel cards).
Notably, the Barclaycard Arrival Plus card no longer accepts new applications; instead, its features were integrated into the new Arrival Premier card that has similar but higher annual fees. One potential advantage is being able to transfer Arrival Plus miles directly into loyalty programs – something worth keeping in mind if upgrading.
Barclaycard Arrival Plus stands apart from competing travel rewards cards by not imposing mileage caps or blackout dates; rather, it uses statement credit redemptions to help offset travel purchases on your statement. In addition, this card provides several additional perks that some other cards don’t, such as trip cancellation insurance and price protection.
As a World Elite Mastercard, the Barclaycard Arrival Plus waives foreign transaction fees, an invaluable feature for international travelers. In addition, exclusive travel perks like concierge travel assistance and Priceless Cities experiences are provided – plus it is one of only few cards that will ship a replacement card directly to a foreign address in case of loss or theft, providing added peace of mind while traveling.
TransUnion may also provide an advantage, since most other cards access Experian or Equifax reports instead of TransUnion for your credit report inquiries, helping keep hard inquires down – beneficial to both your score and future credit applications. If you carry high debt levels however, this card may not be suitable; in such instances it would be wiser to find one offering 0% balance transfer offers or similar promotional deals instead.