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20 cards ranked

Best credit card to use at Sennheiser.

Online ShoppingElectronics Stores

Sennheiser's consumer line — Momentum headphones and earbuds, the audiophile HD 600 series, and Accentum mid-rangers — carries one of the most respected names in audio, with consumer operations now run by Sonova. Direct US orders code as online electronics retail and include certified refurb stock.

Picks without a tag earn at Sennheiser both in-store and online. Watch for theOnline onlytag — those bonuses only apply on sennheiser.com.

  1. #1
    U.S. Bank
    5% on electronics stores if you select it as a bonus category (up to $2,000/quarter, then 1%)
    Choose 2 categories each quarter, up to $2,000 combined
    5%
  2. #2
    American Express Business Goldif it’s your top category
    American Express
    4x points on electronics stores if it's your top eligible spend category that cycle (up to $150,000/year, then 1%)
    Automatically on your top 2 spending categories each billing cycle from 6 eligible (U.S. advertising, U.S. electronic goods retailers and software/cloud providers, U.S. restaurants, U.S. gas stations, transit, U.S. wireless telephone service), combined cap. Flights earn 3x via AmexTravel.com.
    4.8%4x points
  3. #3
    Bank of America Cash Rewards SecuredOnline onlyif you select it
    Bank of America
    3% on online shopping if you select it as a bonus category (up to $2,500/quarter, then 1%)
    3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
    3%
  4. #4
    Bank of America Customized Cash RewardsOnline onlyif you select it
    Bank of America
    3% on online shopping if you select it as a bonus category (up to $2,500/quarter, then 1%)
    3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
    3%
  5. #5
    American Express
    3% on online shopping (up to $6,000/year, then 1%)
    U.S. online retail purchases
    3%
  6. #6
    Robinhood
    3% flat-rate cashback
    3%
  7. #7
    American Express
    4x points on online shopping
    Eligible U.S. online retail purchases
    2.0%4x points
  8. #8
    American Express
    2% flat-rate cashback
    2%
  9. #9
    Capital One
    2% flat-rate cashback
    2%
  10. #10
    Citi
    2% flat-rate cashback
    1% when you buy, 1% when you pay
    2%
  11. #11
    First Electronic Bank
    2% flat-rate cashback
    Tiers of 2%, 2.5%, 3%, or 4% based on assets held on Coinbase; tiers above 2% are capped at $10,000 in eligible purchases per month, then 2%. Requires Coinbase One membership.
    2%
  12. #12
    Elan Financial Services
    2% flat-rate cashback
    When deposited into an eligible Fidelity account
    2%
  13. #13
    American Express
    2% flat-rate cashback
    Unlimited 2% cash back on eligible purchases
    2%
  14. #14
    Chase
    2% flat-rate cashback
    2.5% on purchases of $5,000 or more per transaction
    2%
  15. #15
    WebBank
    2% flat-rate cashback
    2%
  16. #16
    Navy Federal
    2% flat-rate cashback
    Issued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%
    2%
  17. #17
    PNC
    2% flat-rate cashback
    2%
  18. #18
    U.S. Bank
    2% flat-rate cashback
    2%
  19. #19
    Wells Fargo
    2% flat-rate cashback
    2%
  20. #20
    Wells Fargo
    2% flat-rate cashback
    2%

Headphone purchases in the $200–$400 band reward a live category: U.S. Bank Cash+ set to electronics stores can return 5 percent where the merchant classifies as electronics, Bank of America Customized Cash set to online shopping is a solid 3 percent, and open-box HD 6XX-adjacent deals on a flat 2 percent card still come out well.

Last updated August 5, 2026