Credit Cards » Compare Credit Cards » My Best Buy Visa Card vs Apple Card: How They Compare?
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My Best Buy Visa Card vs Apple Card: How They Compare?

The Apple Card offers high cashback on Apple products, while the Best Buy card wins when it comes to gas and BestBuy purchases. Let's compare
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: April 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

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.

 

best buy credit card

Apple card

My Best Buy Visa Card
Apple Credit Card
Annual Fee
$0
$0
Rewards
5% back in rewards on shopping at BestBuy, 3% back in rewards on gas purchases, 2% back in rewards on dining, takeout and grocery purchases, 1% back in rewards on everyday purchases
3% cash back at Apple and select Apple pay partners. 3% Daily Cash back at Ace Hardware, Duane Reade, Exxon, Mobil, Nike, Panera Bread, T-Mobile, Uber, Uber Eats, and Walgreens. 2% on other Apple pay purchases, and 1% on all other purchases
Welcome bonus
10% back in rewards on your first day of purchase
N/A
0% Intro APR
N/A
N/A
Foreign Transaction Fee
N/A
$0
Purchase APR
15.99% – 31.49% variable
15.99% – 26.99% Variable
Read Review
Read Review

Cashback Analysis: Which Card Gives More?

In our analysis, we considered using Apple Pay for all transactions with the Apple Card. However, even then, it appears that the Best Buy card offers more attractive cashback rewards.

Unlike regular cashback credit cards that provide monthly rewards, the Apple Card's Daily Cash feature accumulates daily, syncing with your earnings and seamlessly depositing into your Apple Cash or Apple Savings account.

best buy credit card

Apple card

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.

Apple card redeem cash
Apple card redeem cash (Screenshot from Apple app)

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

best buy credit 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

Apple 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.
Apple cash how i earned
Apple cash how I earned (Screenshot from Apple app)
  • 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.

Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
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:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
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:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
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:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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.
Apple cash spend by category
Apple cash spend by category (Screenshot from Apple app)

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.

Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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

amazon prime visa

AMEX Blue Cash Preferred Card review

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% 5% cash back on up to $1,500 in combined purchases on selected categories each quarter and 5% cash back on travel purchased through Chase Ultimate Rewards®. Also, you can earn 3% cash back on dining at restaurants (including takeout and eligible delivery services), drugstore purchases , and 1% on all other purchases
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 $200 bonus after you spend $500 on purchases in the first 3 months from account opening
$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.

My Best Buy Visa Card vs Amazon Prime Visa Card: Comparison

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.

Apple Card vs Prime Visa: Which Is Better?

The Amex Gold Card may be more appealing if you dine out frequently and value premium travel perks than the Apple card.

Apple Card vs. Amex Gold: Where You Can Get More?

The Apple Card offers competitive cashback rewards on Apple purchases and services – but if you travel frequently, the Unlimited card wins.

Apple Card vs. Chase Freedom Unlimited: How They Compare?

The Costco card stands out with substantial cashback rewards on gas, dining, and Costco shopping. In which cases the Apple card may be better?

Costco Anywhere Visa Card by Citi vs Apple Card

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Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Best Cards Per Category
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.