Sunday, November 23rd 2014

Apple Rewards with your Credit Cards

by Jacqui Stewart

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.

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