My Best Buy Visa card, linked with the renowned electronics retailer, offers enticing rewards and exclusive benefits for frequent shoppers and tech enthusiasts. On the other hand, the Apple Credit Card offers high cashback rewards on Apple products, savings accounts, and other benefits for cardholders.
Let's compare them side by side.
General Comparison: Best Buy vs Apple Card
The Apple Card is designed to be used with Apple Pay on an Apple device and offers high cashback on Apple products. It has no annual fees, late fees, or foreign transaction fees.
On the other hand, the My Best Buy Visa card, caters to practical spenders, offering significant cashback incentives for Best Buy purchases, a welcome bonus, and competitive rates for gas and dining.
Cashback Analysis: Which Card Gives More?
 |
| |
|---|---|---|
Spend Per Category | My Best Buy Visa Card | Apple Credit Card |
$15,000 – U.S Supermarkets | $300 | $300 |
$5,000 – Restaurants | $150 | $100 |
$4,000 – Best Buy/Apple Products | $200 | $120 |
$4,000 – Travel
| $40 | $80 |
$4,000 – Gas | $120 | $40 |
Estimated Annual Cashback | $810 | $640 |
Apple Card gives you easy and rewarding ways to use your Daily Cash. Just spend it on Apple Pay purchases wherever you can. Or, if you want to reduce your monthly Apple Card bill right away, turn your Daily Cash into a Statement Credit.
You can also make your money grow by putting Daily Cash into your Apple Savings account. It earns high-interest, helping your savings grow faster. Plus, be generous and share your Daily Cash with friends and family using Apple Pay Cash. It's a nice way to spread the benefits and add a touch of generosity to your interactions.
Best Buy vs Apple Card Additional Benefits: Comparison
When it comes to extra benefits, each card has its own unique benefits. The Best Buy card offers financing options and free shipping, while the main benefits of Apple are no fees and access to Apple's savings account.
My Best Buy Visa Card
Financing Options: Instead of receiving 5% cash back rewards on Best Buy purchases, cardholders have the option to choose financing alternatives. The My Best Buy® Credit Cards offer deferred interest financing, enabling users to make purchases without incurring immediate interest charges for a specific period.
Free Shipping: Enjoy free shipping on qualifying purchases at Best Buy.
No Foreign Transaction Fees: if you travel abroad, you won't pay a foreign transaction fee on purchases.
Apple Credit Card
- Great Wallet App: The Apple Card provides robust tools for managing your debt and spending. The Wallet app offers a clear overview of your transactions, organizes them by category, and provides insights into your spending habits. It also offers payment suggestions to help you pay off your balance faster and more efficiently.
- No Fees: One of the standout benefits of the Apple Card is its fee structure. There are no annual fees, penalty fees, transaction fees, or any other hidden charges associated with the card. This transparency makes it an attractive option for those looking to avoid unnecessary costs while enjoying the benefits of a credit card.
- Access to Apple Savings Account: cardholders can open an Apple savings account and direct Daily Cash to a Savings account.
Security: The Apple Card offers cutting-edge security features, including a unique card number for each purchase, biometric authentication (Face ID or Touch ID), and transaction alerts.
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When You Might Prefer The Apple Credit Card?
You might prefer the Apple card in the following situations:
You Are An Apple Lover: For users who frequently subscribe to Apple services such as Apple Music, Apple TV+, or make App Store purchases, or deeply entrenched in the Apple ecosystem, from using an iPhone to iPad and MacBook, the Apple Card offers seamless integration. It incentivizes spending within the Apple ecosystem, making it more advantageous for those who heavily rely on Apple services.
- High Spend On Apple Products: If you frequently purchase Apple products, such as iPhones, iPads, Macs, or accessories, you may prefer the Apple Card to maximize cashback in these specific categories.
When You Might Prefer The Best Buy Visa Card?
You might prefer the Best Buy card in the following situations:
Tech Enthusiast Shopping Spree: If you're planning a significant tech purchase spree at Best Buy, opting for the My Best Buy Visa Card might be more lucrative. The card offers special financing options, allowing you to defer interest for a specific period, making it advantageous for buying high-end electronics without immediate financial strain.
You Shop At Best Buy Frequently: If you frequently shop at Best Buy and take advantage of their exclusive deals and discounts, the My Best Buy Visa Card could be a better fit. The card provides opportunities for additional savings and rewards specific to Best Buy purchases, making it a practical choice for loyal customers.
Flexible Payment Plans: If you prefer flexibility in payment and want to spread the cost of your purchases over time, the financing options offered by the My Best Buy Visa Card can be advantageous. This is particularly beneficial for larger purchases, allowing you to manage your budget more effectively.
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Compare The Alternatives
If you're looking for a credit card with everyday purchase rewards – there are some good alternatives you may want to consider:
 |
|
| |
|---|---|---|---|
Chase Freedom Flex℠ Card | Amazon Prime Rewards Visa Signature Card | American Express EveryDay® Card | |
Annual Fee | $0
| $0 ($139 Amazon Prime subscription required)
| $95 ($0 intro for the first year) |
Rewards |
1-5%
|
1-5%
5% at Amazon.com, Amazon Fresh , Whole Foods Market and on Chase Travel purchases, 2% cash back on gas stations, restaurants and on local transit and commuting, 1% cash back on all other purchases
|
1-6%
6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit
and U.S. gas stations, 1% cash back on other purchases
|
Welcome bonus |
$200
|
$100
$100 Amazon gift card upon approval
|
$250
$250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
|
Foreign Transaction Fee | 3%
| $0
| 2.70%
|
Purchase APR | 20.49%–29.24% variable
| 19.49% – 27.49% Variable
| 19.24% – 29.99% Variable |
Compare My Best Buy Visa Card
My Best Buy Visa Card is cheaper than the Amazon card, which requires a membership. But, it doesn't mean Amazon wins – here's why.
Costco is a clear winner when it comes to rewards for everyday spending, but the Best Buy Card wins for gadget lovers. Here's our comparison.
My Best Buy Visa vs Costco Anywhere Visa Card: How They Compare?
Compare Apple Card
If you're a geek of both Amazon and Apple and not sure which card is better for your needs, we think we can help – there is a clear winner.
The Amex Gold Card may be more appealing if you dine out frequently and value premium travel perks than the Apple card.
The Apple Card offers competitive cashback rewards on Apple purchases and services – but if you travel frequently, the Unlimited card wins.
The Costco card stands out with substantial cashback rewards on gas, dining, and Costco shopping. In which cases the Apple card may be better?
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