Best Credit Card for Electronics
Compare the top credit cards for electronics stores and purchases and find which one earns the most rewards.
Electronics purchases at Best Buy, Apple, and similar retailers often earn bonus rates on business cards with an office supplies/electronics category. For personal spending, cards with a broad online shopping bonus typically capture electronics purchases.
Top Pick
American Express Business Gold Card
4x on Electronics & Technology
Note: This card has a $150,000 annual spending cap for Electronics & Technology. Earnings above this amount will be at the base rate.
More Good Options
Target CircleTarget Circle Credit Card5xpts/dollar5.0%return5x base rate (no bonus for Electronics)
Bilt RewardsBilt Palladium Card2xpts/dollar4.0%return2x base rate (no bonus for Electronics)
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Capital OneCapital One Venture Rewards2xpts/dollar3.7%return2x base rate (no bonus for Electronics)
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Rewards Calculator
Enter a monthly spend amount above to see estimated annual rewards per card.
Common Questions
What is the best credit card for Electronics?
The American Express Business Gold Card is currently the top pick for electronics stores and purchases, earning 4x points per dollar — an effective 8.0% return.
How many points do you earn on Electronics purchases?
The top-rated card for electronics stores and purchases, the American Express Business Gold Card, earns 4x per dollar — an effective return of 8.0%.
Is there a no-annual-fee card that earns rewards on Electronics?
Yes — the Apple Card earns 3x on electronics stores and purchases with no annual fee (3.0% effective return).
Is a premium card worth the annual fee for Electronics spending?
The American Express Business Gold Card ($375/yr) earns 4x on electronics stores and purchases. If you spend $391/month or more on electronics, the rewards offset the annual fee — before counting travel credits and other perks.
Which card earns the most if I spend $500 per month on Electronics?
American Express Business Gold Card: $480/yr, Apple Card: $180/yr, Target Circle Credit Card: $300/yr. The American Express Business Gold Card earns the most at $500/month.
Do rotating category cards earn on Electronics?
Some cards — like Chase Freedom Flex and Discover it — occasionally feature electronics as a 5% bonus category for one quarter per year. Year-round, a dedicated electronics card typically outperforms rotating category cards since you can't always count on the bonus.