Best Credit Card For Software and Hardware
You want to maximize the return on your Software and Hardware credit card spends. Since not all points are of equal value, we give the best multipliers based on the value of those points.
Chase Ultimate Rewards »
Point System
|
JP Morgan Chase »
Bank
|
$1,448
1st Year Value
|
75,000 Bonus Points
|
$7,500 Minimum Spend
|
1.6¢
Max Point Value
|
1.6¢
Max Point Value
|

4X |
5.6 Per 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)
Amex Member Rewards »
Point System
|
American Express »
Bank
|
$1,237
1st Year Value
|
100,000 Bonus Points
|
$15,000 Minimum Spend
|
1.4¢
Max Point Value
|
1.4¢
Max Point Value
|
US Bank Flex Perks »
Point System
|
US Bank »
Bank
|
$908
1st Year Value
|
75,000 Bonus Points
|
$7,500 Minimum Spend
|
1.1¢
Max Point Value
|
1.1¢
Max Point Value
|
Explore More Spend Categories
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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Amex 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 Business Leverage On two highest categories per statement. |
2x | 1.1¢ | 2.2¢ |
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 | 1.4¢ | 2.8¢ |
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Chase Ink Business Unlimited 1.5x on all purchases. |
1.5x | 1.6¢ | 2.4¢ |
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Amex Business Platinum 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 2% cash back on all purchases |
2x | 1.1¢ | 2.2¢ |
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Capital One Spark Cash Plus 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¢ |
Cards Offering Some Value for Software and Hardware with Limitations (-)
Multiplier | Point Value | Per $ Spent | ||
---|---|---|---|---|
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US Bank Shopper Cash Rewards If selected as one of two 6x categories quarterly |
6x | 1.1¢ | 6.6¢ |
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Bank of America Customized Cash Rewards 3% cash back in the category of your choice |
3x | 1.0¢ | 3.0¢ |