Best cards for electronics
U.S. Bank Cash+ Visa Signature Card leads with 5% (choose this category).
Rankings use issuer rates verified as of August 6, 2026.
Electronics & computer stores (Best Buy, Apple, Micro Center, B&H).
#15%5%U.S. Bank Cash+ Visa Signature Card
U.S. Bank · Visa · No annual fee · Choose this category
#22x2xThe Business Platinum Card from American Express
American Express · Amex · $895/yr · up to $2,000,000/yr (combined) · Lower rate after the cap
#32%2%Apple Card
Goldman Sachs · Mastercard · No annual fee · Pay with the mobile wallet
#45x5xKroger Rewards World Elite Mastercard
U.S. Bank · Mastercard · ≈1.18x after the cap · No annual fee · up to $3,000/yr · Lower rate after the cap · Pay with the mobile wallet
How to choose
A 5% rate tops this ranking, and it takes homework: the U.S. Bank Cash+ Visa Signature Card pays 5% at electronics stores only if you pick Electronics Stores as one of its two quarterly 5% categories, and only on the first $2,000 in combined purchases across both picks each quarter — 1% after that. There is no annual fee, so the cost of the rate is attention, and on a big-ticket purchase the cap does real work: a $2,000 laptop uses the entire quarter's bucket in one swipe. Behind it, The Business Platinum Card from American Express earns 2x up to a $2,000,000 combined annual cap shared with construction and hardware spending — but it is a $695-a-year business card, so for most personal wallets the contest starts below it.
Apple Card comes next at 2%, but only when you pay through the mobile wallet; that number does not apply on a physical swipe. At Apple itself the same card pays 3% as a merchant offer, which previews how this category actually works: the best electronics rates often live at specific retailers, not in the category. Best Buy and Apple each get their own answer on their merchant pages.
The rest of the field is the flat 2% pack: Citi Double Cash, Wells Fargo Active Cash, Fidelity Rewards Visa Signature, and two American Express business cards — Blue Business Cash and Blue Business Plus — that cap their 2% at $50,000 a year. Electronics is a big-ticket category, so run the math per purchase, not per month: a $2,000 laptop returns $40 at 2%, $100 at the Cash+ card's 5% if the category is selected and the bucket is fresh, and $100 at the My Best Buy Visa's 5% at Best Buy (about 4.5% by our valuation). The moment to deliberate is the $1,000-plus purchase, not the cable.
The math
On $300 a month of electronics, U.S. Bank Cash+ Visa Signature Card returns about $180 a year at our valuations — a flat 2% card returns $72.
Common questions
- What is the best credit card for electronics?
- U.S. Bank Cash+ Visa Signature Card leads with 5% (choose this category).
- How does SwipeCaddy pick the best electronics card?
- We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and surface the fine print so the "best" rate is one you can actually get.
- Is there a credit card with a bonus category for electronics?
- One, with homework: the U.S. Bank Cash+ Visa Signature Card offers Electronics Stores as a selectable 5% category, capped at $2,000 in combined purchases per quarter across its two chosen categories, then 1%. Beyond that, the only category-level bonus is the 2x on The Business Platinum Card from American Express, a $695-a-year business card, and Apple Card's 2% requires paying through the mobile wallet. For most wallets without the Cash+ selection made, the practical ceiling is a flat 2% card, and the higher rates come from merchant offers at specific retailers.
- Should I use a store card like the My Best Buy Visa for electronics?
- At Best Buy, yes — it pays 5%, which our conservative valuation puts at about 4.5% in cash terms, and on a $2,000 purchase that is roughly $100 against $40 from a flat 2% card. This page ranks cards for electronics purchases anywhere, so a rate that exists only at one retailer is answered on that retailer's merchant page instead.
Rankings reflect published earn rates and a conservative valuation of each rewards currency. SwipeCaddy earns no affiliate commission.