When using your credit card at Apple, you can earn points back on most credit cards by shopping online. With your Chase Freedom card, you can earn 2 points back per dollar spent online. From the Chase Freedom website:
Not eligible on ipads (as of 3/10/11),iPhone4, gift cards, gift certificates, iTunes, Gift Wrap, One to One memberships or shipping fees. The Apple Online Store sells and ships products to end user customers only; you may not purchase for resale. Only eligible for up to five (5) products total within a 30-day window. In the event a customer’s order exceeds five (5) products, customer will be rewarded only on the five (5) products with the highest value.
Discover Card offers a 5% Cashback bonus when you shop Apple online. As with Chase Freedom, terms of this offer from Discover’s website:
- Offer not valid on gift wrap, gift card, gift certificate, iTunes, refurbished iPad, Apple One to One Membership, shipping, iPad, or iPad 2 purchases or Apple in-store tutorial services
- Offer is not valid in combination with any other offers
- Must link to retailer site from the ShopDiscover Web page found at Discovercard.com and use your Discover Card
- Offer is subject to change, including termination, without notice
- Cashback Bonus will only be rewarded to a customer for up to five (5) products total within a 30-day window
Citibank and Bank of America also offer 2% back when shopping at Apple online.
To gain back the most rewards, Discover Card certainly seems to offer the best deal with their 5% cash back bonus as opposed to the other cards that offer 2%. Out of the two cards I have of Chase Freedom and Discover Card, should I choose to shop online, Discover Card would be my card of choice.