Alex Johnson, WalletHub Credit Card Consultant
@alex.johnson2
The best credit card for electronics is the Blue Cash Preferred® Card from American Express because it has great rewards, a low introductory APR, and valuable benefits. For example, it gives purchase protection that covers eligible items for 90 days against damage or theft, up to $1,000 per claim and $50,000 per account per year. Cardholders also get extended warranty protection.
When it comes to rewards, Blue Cash Preferred gives cardholders 6% cash back at U.S. supermarkets (up to $6,000 spent per year), 6% back on select U.S. streaming subscriptions, 3% back at eligible U.S. gas stations and on transit, and 1% back on other eligible purchases, received as rewards dollars (which can be redeemed as a statement credit and at Amazon.com checkout). It also comes with an initial bonus of $250 statement credit for spending $3,000 on eligible purchases in the first 6 months. Plus, the introductory APR offer includes 0% for 12 months on purchases. The card has a regular APR of 19.74% - 28.74% (V), however, and an annual fee of $0 intro 1st yr, $95 after.
There are lots of good electronics credit cards out there. How many options you have and how much they’ll save you come down to your credit score and whether you want to be limited to a store card.
Best Credit Cards for Electronics
Initial Bonus: $200 cash back for spending $1,500 within the first 90 days
Ongoing Rewards: 2% cash back on all purchases
Purchase Intro APR: Not Offered
Regular APR: 18.99% - 28.99% (V)
Annual Fee: $0
Credit Score: Good
Initial Bonus: $250 statement credit for spending $3,000 on eligible purchases in the first 6 months
Ongoing Rewards: 6% cash back at U.S. supermarkets (up to $6,000 spent per year), 6% back on select U.S. streaming subscriptions, 3% back at eligible U.S. gas stations and on transit, and 1% back on other eligible purchases, received as rewards dollars (which can be redeemed as a statement credit and at Amazon.com checkout)
Purchase Intro APR: 0% for 12 months
Regular APR: 19.74% - 28.74% (V)
Annual Fee: $0 intro 1st yr, $95 after
Credit Score: Good
Initial Bonus: N/A
Ongoing Rewards: 2% cash back on all purchases
Purchase Intro APR: Not Offered
Regular APR: 19.49% - 33.99% (V)
Annual Fee: $0
Credit Score: Good
Initial Bonus: 75,000 miles for spending $4,000 on purchases within 3 months from account opening
Ongoing Rewards: 5 miles per $1 spent on hotels, vacation rentals and rental cars booked through Capital One Travel, 5 miles per $1 spent on Capital One Entertainment purchases through 12/31/25, as well as 2 miles per $1 on all other purchases
Purchase Intro APR: Not Offered
Regular APR: 19.99% - 28.99% (V)
Annual Fee: $95
Credit Score: Good
Initial Bonus: N/A
Ongoing Rewards: 4% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
Purchase Intro APR: 0% for 24 months
Regular APR: 17.24% - 28.24% (V)
Annual Fee: $0
Credit Score: Good
Initial Bonus: $250 Amazon gift card instantly upon approval
Ongoing Rewards: 5% back at Amazon.com, Amazon Fresh, Whole Foods Market with an eligible Prime membership, 5% back on Chase Travel purchases, 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), as well as 1% back on all other purchases
Purchase Intro APR: Not Offered
Regular APR: 19.24% - 27.99% (V)
Annual Fee: $0
Credit Score: Good
Initial Bonus: N/A
Ongoing Rewards: 3% cash back on purchases made directly with Apple and select merchants (like Exxon, T-Mobile, Nike, Uber and more) via Apple Pay, 2% cash back on all other Apple Pay purchases, and 1% back when using the physical card
Purchase Intro APR: 0% for 6 - 24 months
Regular APR: 17.74% - 27.99% (V)
Annual Fee: $0
Credit Score: Good
Initial Bonus: 30,000 points after spending $3,000 within the first 90 days
Ongoing Rewards: 2 points per $1 spent on all purchases
Purchase Intro APR: 0% for 12 months
Regular APR: 16.24% - 26.24% (V)
Annual Fee: $0
Credit Score: Good
The best credit cards for electronics include options for financing, rewards, price protection and purchase protection. You need to decide which factors are most important to you based on what types of electronics you’re thinking about buying and how fast you’ll pay them off.
American Express Insurance Benefits Disclosure: Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Coverage is provided by AMEX Assurance Company.
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Thomas Garcia, Member
@tgarcia_pro
It’s realistic to get 5% back on every electronics purchase. Several cards here offer it. If you can get more, go for it.
Kevin Richardson, Member
@krich_business
- Best Buy Card: 10% back on first purchase + regular promos (perfect for in-store pickups)
- US Bank Cash+: 5% back at electronics stores (up to $2K/quarter)
- Chase Freedom Unlimited: Flat 1.5% everywhere + $200 sign-up bonus
Mena Jesston, Member
@mena_jesston
I think Best Buy has a pretty good store card, and the Amazon card has great rewards too, if you're used to shopping there.
Mark Stam, Member
@markstam
By far Amazon Store Card. They have everything you can think of and you have at your door in a glimpse if you have Prime.
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