Best Credit Card for Software and Hardware
Whether you're shopping for computer software, hardware and cloud computing services for your business or personal use, you can rack up big rewards by using the right credit card at checkout. Some cards offer bonus rewards on these purchases, while others include purchase protection and extended warranties (check out our card Benefits section under purchase protection and extended warranty for more details). Vendors include: CDW, Dell, HP, IBM, Intuit, Lenovo, Microsoft, Newegg, Oracle, Rackspace, Sage Software, Salesforce.com, Symantec and Tiger Direct. The (+) versions of these cards have both solid bonuses and category multipliers. Regular versions include other purchases from smaller vendors with matching merchant codes. The (-) versions have limitations you should be aware of.
5X | 8.0Per Dollar Spent
If purchased through an office supply store
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Chase Ultimate Rewards »
Point System
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JP Morgan Chase »
Bank
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$1,443 1st Year Value
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75,000 Bonus Points
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$7,500 Minimum Spend
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1.6¢ Max Point Value
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American Express Business Gold
4X | 5.6Per Dollar Spent
Each month, Amex auto-selects the top 2 spend categories for 4x points. (Incl: Digital Ads, Software & Hardware, Restaurants, Gas, Transit, Wireless Telephone)
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Amex Member Rewards »
Point System
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American Express »
Bank
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$1,237 1st Year Value
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100,000 Bonus Points
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$15,000 Minimum Spend
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1.4¢ Max Point Value
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US Bank Flex Perks »
Point System
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US Bank »
Bank
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$990 1st Year Value
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75,000 Bonus Points
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$7,500 Minimum Spend
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1.2¢ Max Point Value
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Our Top Selections for Software and Hardware (+)
| Multiplier | Point Value | Per $ Spent | ||
|---|---|---|---|---|
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Chase Ink Business Cash If purchased through an office supply store |
5x | 1.6¢ | 8.0¢ |
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American Express Business Gold Each month, Amex auto-selects the top 2 spend categories for 4x points. (Incl: Digital Ads, Software & Hardware, Restaurants, Gas, Transit, Wireless Telephone) |
4x | 1.4¢ | 5.6¢ |
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US Bank Leverage On two highest categories per statement. |
2x | 1.2¢ | 2.4¢ |
Other Cards with Solid Value for Software and Hardware (=)
| Multiplier | Point Value | Per $ Spent | ||
|---|---|---|---|---|
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Wells Fargo Active Cash 2% cash back on all purchases |
2x | 1.5¢ | 3.0¢ |
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Chase Ink Business Unlimited 1.5x on all purchases. |
1.5x | 1.6¢ | 2.4¢ |
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American Express Platinum Business purchases of $5,000 or more for up to $2 million in purchases annually |
1.5x | 1.5¢ | 2.3¢ |
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Capital One Spark Cash Plus Business 2% cash back on all purchases |
2x | 1.1¢ | 2.2¢ |
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Citi Double Cash All purchases, earn 1% cash back when you make a purchase and 1% when you pay it off |
2x | 1.0¢ | 2.0¢ |