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If you are in the market for a new work computer, or a new laptop or desktop for home, you can earn a stack of points, miles, or cash back by using the right card at checkout. Computers don't come cheap — the newest MacBook Pro starts at $1,699 for the base model. When investing in new computer equipment or hardware, leveraging rewards-earning credit cards and using shopping portals are great ways to maximize the return on your purchase.
Let's break down the best rewards cards for computer equipment purchases and outline some strategies to help you earn thousands of points when purchasing computer equipment and other associated hardware.
Page Contents
- Best Overall: American Express® Business Gold Card
- Best for Online Shopping: Prime Visa
- Best for Cash Back: Ink Business Cash® Credit Card
- Best for Unlimited Earnings: U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
- Best for Statement Credits: The Business Platinum Card® from American Express
- Best for Apple Loyalists: Apple Card
- Comparing the Best Credit Cards for Computer Purchases
- Maximize the Return on Your Purchase With Shopping Portals
- Final Thoughts
Best Overall: American Express® Business Gold Card
(Terms apply)
- As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
- Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- Terms Apply
- U.S. purchases for advertising in select media (online, TV, radio)
- U.S. purchases made from electronic goods retailers and software & cloud system providers
- U.S. purchases at gas stations
- U.S. purchases at restaurants, including takeout and delivery
- Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
- Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
The American Express® Business Gold Card is one of our favorite business cards thanks to its valuable benefits, solid earning potential, and reasonable annual fee. As a cardholder, you will earn:
Get 4X Membership Rewards® points on the 2 eligible categories where your business spent the most each billing cycle from the list below:- U.S. purchases for advertising in select media (online, TV, radio)
- U.S. purchases made from electronic goods retailers and software & cloud system providers
- U.S. purchases at gas stations
- U.S. purchases at restaurants, including takeout and delivery
- Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
- Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
That means that, assuming your electronics purchase is one of your top two spending categories in the month when you make your purchase, you'll earn 4x Membership Rewards points. You can then transfer those earnings to 20 airline and hotel partners. Plus, you'll receive purchase protection for 90 days, worth up to $1,000 against theft or damage to your computer, with a limit of $50,000 per calendar year.
Just be sure the store codes as an electronic goods retailer. According to American Express, this includes retailers like Dell Technologies and Newegg. Note that it doesn't include places like Target, Walmart, Amazon, or eBay. However, according to user reports, this also includes retailers like Lenovo and Samsung.
You can also earn up to $20 back when you use your card at select retailers, including office supply stores. Although a $20 monthly credit won't cover a brand new computer, every little bit helps.
Related: American Express® Business Gold Card Full Review
Best for Online Shopping: Prime Visa
- Unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership
- Unlimited 2% back on local transit and commuting (including rideshare)
- Unlimited 2% back at restaurants and at gas stations
- Unlimited 1% back on all other purchases
If you plan to do some online shopping for your computer or hardware, it's hard to beat the Prime Visa from Chase. You'll earn 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, plus 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare).
Almost any computer you might want is available on Amazon, and you don't even need to leave your house to make the transaction. Your computer will also be covered for up to 120 days against damage or theft, up to $500 per item.
If you are a business owner, you can consider the Amazon Business Prime American Express Card, issued by American Express. It also offers 5% cash back on Amazon purchases, but provides better purchase protection. You'll receive the same protection as the Amex Business Gold: purchases are covered for up to 90 days against theft or accidental damage, up to $1,000 per purchase with an annual maximum of $50,000.
If you want extra coverage, it might be beneficial to choose the business card, but both are excellent options for computer purchases.
Related: Prime Visa Full Review
Best for Cash Back: Ink Business Cash® Credit Card
- Earn $750 when you spend $6,000 on purchases in the first three months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Complimentary three-month lnstacart+ membership.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
- 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year
- 1% cash back on all other card purchases with no limit to the amount you can earn
With the Ink Business Cash® Credit Card, you'll earn 5% cash back when purchasing computer equipment from an office supply store. If you don't want to make your purchase from an office supply store, you can buy gift cards for retailers — such as Amazon or Apple — at 5x from office supply stores and redeem the gift cards at your chosen retailer via a shopping portal to earn additional points or cash back on your purchase.
However, purchases that earn 5x are capped at $25,000 per year on the Ink Cash, and you forego valuable purchase protections if you go down the gift card route. These protections might be more valuable than rewards points or cash back when it comes to protecting expensive computer equipment.
You’ll also need to pair the Ink Cash with either the Ink Business Preferred® Credit Card (Rates & Fees), Chase Sapphire Preferred® Card (Rates & Fees), Sapphire Reserve for Business℠ (Rates & Fees), or Chase Sapphire Reserve® (Rates & Fees) if you want the ability to transfer points to Chase's travel partners or redeem for more than 1¢ per point in value, negating the “no annual fee” factor.
Related: Ink Business Cash® Credit Card Full Review
Best for Unlimited Earnings: U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
- 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center
- 3% cash back on eligible purchases at gas stations and EV charging stations
- 3% cash back at office supply stores
- 3% cash back at cell phone service providers
- 3% cash back at restaurants
- 1% cash back on all other eligible net purchases
As a cardholder of the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®, you'll earn a slightly lower 3% cash back at office supply stores. However, this is unlimited, so if you are planning on buying high-end laptops for the entire office, you might earn more rewards with the Business Triple Cash Card than some other cards on this list.
For instance, if you spend $60,000 on computer equipment from an office supply store in one year, you'd earn $1,600 in cash back as a cardholder of the Ink Cash ($25,000 at 5%, $35,000 at 1%). With the Business Triple Cash Card, you'd earn $1,800. Clearly, this is better suited for a business with substantial technology needs. However, you can take advantage of an extended intro APR on purchases if you need some time to pay off your computer equipment.
Related: U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Full Review
Best for Statement Credits: The Business Platinum Card® from American Express
(Terms apply)
- As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That's up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That's up to $120 back per year. Enrollment required.
- 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- Terms Apply.
- Earn 5X points on flights and prepaid hotels on AmexTravel.com.
- Earn 2X points on each eligible purchase of $5,000 or more.
- Earn 2X points on each eligible purchase with U.S. construction material and hardware suppliers.
- Earn 2X points on each eligible purchase with U.S. electronic goods retailers and software & cloud system providers.
- Earn 2X points on each eligible purchase with U.S. shipping providers.
- 2X earning rates are subject to a cap of $2 million in purchases per calendar year.
The The Business Platinum Card® from American Express isn't the card you'll want to use if you want to earn as many points or as much cash back as possible. That said, it offers a multitude of statement credits, ranging from a $600 annual hotel credit to a $250 annual Adobe credit (perfect for putting software on your newly purchased computers).
You can also earn a statement credit of up to $150 on purchases directly with Dell Technologies, and an additional $1,000 credit after you spend $5,000 or more on Dell purchases each calendar year. If you can spread out your technology purchases over several years, you can potentially earn thousands back.
If you don't plan to buy your computer equipment through Dell, you might be better off with a different card that earns more on your computer and hardware purchases.
Related: The Business Platinum Card® from American Express Full Review
Best for Apple Loyalists: Apple Card
If you prefer Apple products, you should consider the Apple Card — you'll earn 3% Daily Cash Back on all Apple purchases. This rivals the other cards on this list, but the standout feature is the ability to finance your Apple products without paying interest. At checkout, you can select Apple Card Monthly Installments, allowing you to make interest-free monthly payments on your purchases.
The interest-free window depends on the product. For MacBooks, iMacs, and Mac Studio, that window is typically 12 months. So, you can purchase the new 16-inch MacBook Pro with the M5 Max Chip, upgraded nano-texture display, and upgraded processing power for just $379 per month. All you need to pay at checkout is the taxes, and you'll get 3% cash back on your entire purchase upfront. That sure beats paying $4,867 ine one sitting for a new laptop — especially when you need to buy more than one.
Comparing the Best Credit Cards for Computer Purchases
Determining the “best” credit card for computer purchases will depend on your unique circumstances and the store from which you intend to purchase. A corporate design office ordering 30+ iMacs from Apple will require a different rewards card than John Smith waltzing down to Costco to grab a budget laptop to stream the latest Netflix show.
If you’re in the corporate camp, and you're making a substantial investment in computer hardware for your office, using a high-volume corporate or business rewards card will mean less chance of stumbling into spending caps or running afoul of exclusions in credit card terms and conditions.
| Credit Card | Points Earned on Computer Equipment & Hardware | Other Bonus Categories | Annual Fee |
|---|---|---|---|
| American Express® Business Gold Card | 4X Membership Rewards® points on the 2 categories where your business spent the most each billing cycle, including: • U.S. purchases for advertising in select media (online, TV, radio) • U.S. purchases made from electronic goods retailers and software & cloud system providers • U.S. purchases at gas stations • U.S. purchases at restaurants, including takeout and delivery • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S. 4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year, then 1 point per dollar. | 3X points on prepaid airfare and hotels purchased at amextravel.com or the Amex Travel App™ | $375 - Rates & Fees |
| Prime Visa | 5% cash back at Amazon.com with an eligible Prime membership | • Unlimited 5% back at Amazon Fresh and Whole Foods Market with an eligible Prime membership • Unlimited 5% back on Chase Travel purchases with an eligible Prime membership • Unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare) • Unlimited 1% back on all other purchases | $0 with an eligible Prime membership |
| Ink Business Cash® Credit Card (Rates & Fees) | 5% cash back on the first $25,000 spent each account anniversary year on combined: • Office supply stores • Internet, cable, and phone services spending | 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year | $0 |
| U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | 3% cash back at office supply stores | • 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center • 3% cash back on eligible purchases at gas stations and EV charging stations • 3% cash back at cell phone service providers • 3% cash back at restaurants | $0 |
| The Business Platinum Card® from American Express | • 2X points on purchases of $5,000 or more, up to a cap of $2 million spent on these purchases in a calendar year. • 2X points at U.S. Electronic goods retailers and software & cloud system providers, up to a cap of $2 million spent on these purchases in a calendar year. | 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. 5X points on flights and prepaid hotels on AmexTravel.com. 1X points on other eligible purchases | $895 (Rates & Fees) |
| Apple Card | 3% Daily Cash Back at Apple | • 3% Daily Cash Back at select merchants when you use Apple Pay • 2% Daily Cash Back any time you use Apple Pay | $0 |
| Huntington Voice Business Credit Card | 4% cash back in one of 10 categories (up to $7,000 per quarter), including: • Electronics, computer & camera stores • Utilities & Office Supplies • Discount & warehouse stores | Other 4% categories include: • Gas stations • Travel & entertainment • Restaurants • Grocery stores • Department, apparel & sporting goods stores • Home improvement stores • Auto parts & service stores | $0 |
Maximize the Return on Your Purchase With Shopping Portals
You can add an extra layer of value to your computer purchase by using online shopping portals to earn extra points, miles, or cash back. Most major airline programs have online shopping portals, as do bank rewards programs like Capital One Shopping. These let you earn thousands of extra points simply by clicking through the shopping portal before making your purchase.
One of the easiest ways to maximize the return on your computer purchase is to check shopping portal comparison sites like CashbackMonitor.com, which scan online shopping portals for the best return at a given retailer. A quick search for Apple on CashbackMonitor.com shows returns of up to 2% cash back or 3x JetBlue TrueBlue points per dollar if you click through the portal to make your purchase.
Final Thoughts
Whether you’re purchasing a single computer for use at home or a dozen for employees at the office, you can earn thousands of extra rewards points via rewards cards and shopping portals. And the icing on the cake is often receiving stronger purchase protections and extended warranties than when paying cash or using traditional financing.
Bear in mind that if you intend to carry the balance on your credit card rather than pay it off straight away, the interest will quickly wipe out any value from rewards. In this situation, you’re better off using a card with 0% introductory APR if you wish to pay off your spending over time. You can also consider using the high purchase price to meet the minimum spend requirement on a new rewards card.
For rates and fees of the cards mentioned in this post, please visit the following links: American Express® Business Gold Card (Rates & Fees), Ink Business Cash® Credit Card (Rates & Fees), Ink Business Preferred® Credit Card (Rates & Fees), Chase Sapphire Preferred® Card (Rates & Fees), Sapphire Reserve for Business℠ (Rates & Fees), Chase Sapphire Reserve® (Rates & Fees), and The Business Platinum Card® from American Express (Rates & Fees)
