The best credit card for electronics is the Chase Freedom Unlimited® card because it has great rewards, a low introductory APR, a $0 annual fee, and valuable secondary benefits. For example, it gives purchase protection that covers eligible items for 120 days against damage or theft, up to $500 per claim and $50,000 per account. Cardholders also get extended warranty protection.
When it comes to rewards, Chase Freedom Unlimited gives cardholders 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1.5% back on all other purchases (plus an additional 1.5% cash back on everything, up to $20,000 spent the first year). Plus, the introductory APR offer includes 0% for 15 months on purchases.
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
Benefits: Purchase protection and extended warranty protection
Ongoing Rewards: 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1.5% back on all other purchases (plus an additional 1.5% cash back on everything, up to $20,000 spent the first year)
Intro APR: 0% for 15 months on purchases and balance transfers
Regular APR: 19.49% - 28.24% (V)
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Annual Fee: $0
Min. Credit Required: Good credit
Benefits: Purchase protection, extended warranty protection
Initial Bonus: $300 for spending $3,000 in the first 3 months
Ongoing Rewards: 5% cash back on hotels and rental cars booked through Capital One Travel, 4% cash back on dining, entertainment and popular streaming services, 3% back at grocery stores and 1% back on all other purchases (except for 8% back on Capital One Entertainment purchases and 10% back on purchases made through Uber & Uber Eats)
Annual Fee: $95
Min. Credit Required: Good credit
Benefits: Purchase protection, return protection, extended warranty protection, and pay with points on amazon.com
Initial Bonus: 60,000 bonus points for spending $4,000 in the first 3 months
Ongoing Rewards: a total of 10 points per $1 spent on hotels and car rentals booked through Chase, a total of 10 points per $1 spent on prepaid restaurant reservations or takeout orders made through Chase, a total of 5 points per $1 spent on flights purchased through Chase, 3 points per $1 spent on all other travel and dining purchases, and 1 point per $1 on all other purchases
Annual Fee: $550
Min. Credit Required: Excellent credit
Intro APR: 0% for up to 21 months from account opening on purchases and qualifying balance transfers
Regular APR: 17.74% - 29.74% Variable
Balance Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Annual Fee: $0
Min. Credit Required: Good credit
Benefits: Purchase protection, and extended warranty protection
Initial Bonus: $50 Amazon.com gift card upon approval ($100 for Prime members)
Ongoing Rewards: 3 points per $1 spent at Amazon.com and Whole Foods Market, 2 points per $1 spent at gas stations, restaurants and drug stores, and 1 point per $1 spent on all other purchases
Annual Fee: $0
Min. Credit Required: Good credit
Ongoing Rewards: 2% Cash on all purchases using Apple Pay (1% for purchases made with the physical card), 3% on purchases made directly with Apple, including at Apple Stores, on the App Store and for Apple services, and on purchases made at select merchants (like Exxon, T-Mobile, Nike, Uber and more)
Deferred APR: 0% for 6 - 24 months on purchases
Regular APR: 15.49% - 26.49% (V)
Annual Fee: $0
Min. Credit Required: Good credit
Ongoing Rewards: 2.5 points per $1 spent on Best Buy purchases
Deferred APR: 0% for 12 - 24 months on purchases
Regular APR: 30.74% (V)
Annual Fee: $0
Min. Credit Required: Fair credit
Benefits: Purchase protection and extended warranty protection
Initial Bonus: $1,000 for spending $10,000 in the first 3 months
Ongoing Rewards: 5% cash back on travel through Chase, 2.5% back on every purchase totaling at least $5,000, as well as 2% back on all other purchases
Annual Fee: $195
Min. Credit Required: Good credit
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.