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Best credit cards to save on iTunes gift cards iMore 2020
It's possible to find great deals on iTunes gift cards online and in-store from time to time. Savings can range anywhere from 5% to 15% depending on when you catch the sale. They're worth the purchase, as you can use iTunes gift cards for a lot more than iTunes. Apps in the App Store, in-app purchases, Apple Music, Movies, even subscriptions that bill through your Apple ID like HBO are all able to be paid for using iTunes gift cards. If you're looking to maximize your savings, there are also a few credit cards that pair nicely to create an even better value when shopping for these popular gift cards. We did the work for you and found some of the best credit cards to use when purchasing iTunes gift cards.
- Amazing: Amazon Prime Rewards Visa Signature Card
- Quick savings: Capital One® Quicksilver® Cash Rewards
- Take aim: Target Red Card
- Double cash: Chase Freedom Unlimited®
- Keep it simple: American Express Cash Magnet®
Since you probably already shop at Amazon, you've likely noticed that the site regularly has iTunes gift cards on sale. These sales get even better if you have the Amazon Prime Rewards Visa Signature Card. The card earns you 5% back at Amazon and Whole Foods, 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases. The card also features no foreign transaction fees, travel and emergency assistance, lost luggage reimbursement, baggage delay insurance, travel accident insurance, and a host of other travel-related benefits, all with no annual fee. Using the card when you purchase iTunes gift cards can grab you the best savings we've seen if you catch them on sale at the right time. One big downside worth mentioning is that you must be an Amazon Prime member ($119 per year) to be eligible for this card.
The Capital One® Quicksilver® Cash Rewards Credit Card is one of the best straight-forward cash back credit cards. You earn 1.5% cash back on every purchase, with no exceptions, no limits, and no annual fee. What's more, the card is also currently offering a $150 cash bonus after you spend $500 on purchases within 3 months. If you keep an eye out for savings at retailers, you could grab solid savings on your iTunes gift cards.
If you shop at Target, the Red Card is an incredible value. Not only can you save 5% off every purchase, but the card comes both as a credit or debit card. This is one of the most unique offers out there of any retailer. It is rare to find a retailer that offers a debit card that gives its customers 5% off all of its offerings. Target frequently runs discounts on iTunes cards, so paired with the Red Card you can grab even more impressive savings.
The Chase Freedom Unlimited® card is a great card for those who want straightforward cash back with no points or bonus categories to keep track of, with a solid first year offer. You'll earn 3% cash back on all purchases in your first year up to $20,000 spent. After that, you'll earn unlimited 1.5% cash back on all purchases. The card also features 0% Intro APR for 15 months from account opening on purchases and balance transfers (variable APR of 17.24-25.99% after that). Paired with gift card sales at retailers, you can save a lot of money on your iTunes gift cards.
The American Express Cash Magnet® credit card is as simple as you can get with cash back. You'll earn unlimited 1.5% cash back on all of your purchases. No categories to activate or points to track. You can earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership. It also features a low intro APR: 0% for 15 months on purchases and balance transfers (variable rate of 15.24% to 26.24% after)
Which one is right for me?
It depends on where you shop! All of these cards are fantastic if you use them to your advantage. Think about where you shop the most. If it is specifically at some of the retailers we listed, you'll most likely do best by picking up one of their store cards. If you are looking for something that'll give you consistent rewards no matter where you shop, the Capital One® Quicksilver® Cash Rewards Credit Card and American Express Cash Magnet® are both great options. No matter which card you choose, the most important part is to keep an eye out for retailers to discount the iTunes gift cards so you can maximize your savings. Happy hunting!
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