Best credit card to use at Apple.
Online Shopping
Apple's own retail channels — apple.com, the Apple Store app, and ~270 physical Apple Stores — code as online shopping for most cards on the .com side and as electronics in-store. Apple purchases through Apple Pay also enable several merchant-specific bonuses on cards that bonus Apple Pay, but those typically require the purchase to be made via the Apple Pay button rather than chip-and-PIN. The Apple Card itself earns 3% on Apple-branded purchases, which is the strongest non-promotional rate you'll find here.
Picks without a tag earn at Apple both in-store and online. Watch for theOnline onlytag — those bonuses only apply on apple.com.
- #1U.S. BankEarns 6% at AppleIf selected as one of your 2 quarterly retailers (up to $1,500/quarter, then 1.5%)6%
- #2U.S. Bank5% on online shopping if you select it as a bonus category (up to $2,000/quarter, then 1%)Choose 2 categories each quarter, up to $2,000 combined5%
- #3Blue Cash EverydayOnline onlyAmerican Express3% on online shopping (up to $6,000/year, then 1%)U.S. online retail purchases3%
- #4Hilton Honors American Express SurpassOnline onlyAmerican Express4x points on online shoppingU.S. online retail purchases2.0%4x points
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- #62%
- #72%
- #8First Electronic Bank2% flat-rate cashbackUp to 4% with higher crypto balances on Coinbase; requires Coinbase One membership2%
- #9Elan Financial Services2% flat-rate cashbackWhen deposited into an eligible Fidelity account2%
- #10American Express2% flat-rate cashbackUnlimited 2% cash back on eligible purchases2%