Update: Some offers mentioned below are no longer available. View the current offers here.
Most of us have spent more time in front of our screens these days and streaming services have seen increased sign-ups and time spent watching. Many people are downloading more games either on mobile devices or through video game systems and plenty of us have developed a new online shopping habit. (I raise my hand guiltily.)
I don't know about you, but this has meant I've spent more recently on in-app purchases than ever before. So today, I'm walking through a few of the best cards to set as your default payment option for in-app purchases.
Best cards for in-app purchases
- Capital One Venture Rewards Credit Card
- Chase Freedom Unlimited
- Bank of America® Customized Cash Rewards credit card
- Citi® Double Cash Card (see rates and fees)
- Apple Card
The information about the Apple Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuers.
Capital One Venture Rewards Credit Card
Annual fee: $95
Sign-up bonus: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.
Why it's great for in-app purchases: You may be spending more on in-app purchases these days, but it's unlikely that this category makes up a majority of your spending. With the Capital One Venture Card, you'll earn 2x miles on all spending, including in-app purchases.
A card that rewards you for everyday spending that doesn't normally fit into the bonus categories offered by other cards is a great option. With the Venture, you'll be able to redeem the miles earned at a fixed-value for eligible purchases or transfer to a number of travel partners. TPG values Capital One miles at 1.85 cents each, which means you're getting a solid 3.7% return across spending.
Check out our full Capital One Venture Card review.
Chase Freedom Unlimited
Annual fee: $0
Sign-up bonus: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Why it's great for in-app purchases: The card earns 1.5% on all non-bonus spending — including in-app purchases. But the best part about this card is that you can transfer rewards earned to cards such as the Chase Sapphire Preferred Card, so you have access to transfer partners and the portal redemption bonus.
Besides being a good card for in-app purchases, you'll also get 5% back on all travel booked through Chase Ultimate Rewards and 3% back on dining and drugstores. For a no-annual fee credit card, it has one of the best earning rates out there.
Check out our full Chase Freedom Unlimited card review.
Bank of America® Customized Cash Rewards credit card
Annual fee: $0
Sign-up bonus: $200 cash bonus after you spend $1,000 in purchases in the first 90 days of account opening
Why it's great for in-app purchases: With the Bank of America Customized Cash Rewards credit card, you get to choose which category earns 3% back monthly (up to $2,500 in combined bonus rewards each quarter; then 1%). One of the category options is online shopping, which should include in-app purchases.
Bank of America also explicitly lists Apple.com purchases (including iTunes) and Xbox Live purchases as part of the online shopping category. The best part is that you can change to a different category each month. This works out great once the pandemic passes and you are no longer spending as much on in-app purchases.
Keep in mind that if you qualify for the Bank of America Preferred Rewards program, you could earn even more than 3% back.
Check out our full Bank of America Cash Rewards credit card review.
Citi Double Cash Card
Annual fee: $0 (see rates and fees)
Sign-up bonus: None.
Why it's great for in-app purchases: You'll earn up to 2% back on every purchase — 1% when you buy and 1% when you pay your bill. The appeal of this card is similar to the Capital One Venture, except the redemption opportunities are potentially more valuable depending on which other cards you hold in your wallet.
If you have a ThankYou Points card such as the Citi Premier® Card (see rates and fees) or Citi Prestige® Card, you can convert your cash-back rewards into ThankYou Points, which can then be transferred to Citi's travel partners.
The information for the Citi Prestige has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Check out our full Citi Double Cash review.
Apple Card
Annual fee: $0
Sign-up bonus: None
Why it's great for in-app purchases: The Apple Card offers 3% Daily Cash (the card's version of cash back) on everything you buy from Apple — including apps, in-app purchases and more. This may not be useful for anyone who doesn't use an iPhone, but it is an option for Apple users to consider, especially if you already have the Apple Card in your digital wallet.
I haven't been incredibly impressed with the Apple Card overall and wouldn't suggest applying just for the sake of in-app earning. But 3% back on your in-app purchases isn't a bad return if you already have the card or plan to use it across a wide range of purchases.
Bottom line
Will maximizing your in-app purchases earn you enough points, miles or cash back for a business-class flight to Iceland on their own? Probably not. But that doesn't mean that you shouldn't be maximizing those purchases — especially if you already have any of these cards and can make a simple switch to set in-app spending as your default.
Smaller $1 to $5 purchases can eventually add up to help you bridge that final gap to hitting your dream redemption. And during a time when many of us are re-evaluating our spending habits and credit card strategy, now is a great time to think about which cards you're using for those smaller expenses, such as in-app purchases.
