Discover it® Miles Card
- match all the rewards at the end of first year
- 36,000 miles for everyday spend.
If you have an iPhone, iPad or Apple Watch, you should probably be taking advantage of Apple Pay. This mobile payment and digital wallet service allows you to link compatible credit cards to your Apple device so you can make easy and secure payments online and anywhere that has contactless payment terminals. Mobile payment services, including both Apple Pay and Android Pay, are effortless to use and more secure than traditional credit card transactions. Most credit cards offer this service now, so there’s sure to be one that fits your needs.
A lot of credit cards are compatible with mobile payment services, and if you have an Apple device, such as an iPhone, iPad or Apple Watch, you should be using Apple Pay. You can use this service to make online and in-store purchases easier and more secure. Since there are so many credit cards that you can use with Apple Pay, the real question is: which card is best for you?
Do you want to earn free travel with your card? Then look for a travel rewards card, like the popular Chase Sapphire Preferred. Do you plan to carry a balance? Then maybe you should consider a card that has an introductory 0% APR offer, like the Barclaycard Ring. Or do you prefer to keep things simple and earn some quick cash back? There a bunch of options for that too, including the no annual fee Blue Cash Everyday card from American Express.
Whatever you want out of a credit card, you’ll be able to find it. And more likely than not, it’ll support Apple Pay, too.
The best credit cards for Apple Pay: April 2018
Unlimited 1.5X rewards on every purchase
The Discover it Miles card is wonderful for two types of people. The first, and most obvious, is for someone looking for a single credit card that’s easy to use and that can do it all. The Discover it Miles card is a great option because it earns 1.5 miles per dollar spent on all purchases and redemptions areone cent per mile toward any purchase. Plus thereare a couple of other nice benefits, like $30 in annual Wi-Fi credits and no foreign transaction fees. As a no-fee card, all of that is essentially free.
The second type of person that the Discover it Miles card is a great option for is someone who is looking to truly maximize rewards. The Discover it is basically a no-brainer for the first year because all miles are doubled , meaning that it effectively earns 3 miles per dollar spent (1.5 when you purchase and 1.5 at the end of the year). After the first year it deserves a spot in the wallet of someone who wants to maximize rewards for purchases not included in the bonus earning categories of their other rewards credit cards.
20,000 bonus miles once you spend $1,000 on purchases within the first 3 months
If you’re looking for a no-fee rewards card that offers a solid sign-up bonus and hassle-free redemptions, than the the VentureOne card from Capital One is a great option. You’ll get 20,000 miles worth $200 for spending just $1,000 in 90 days, plus you’ll earn a generous 1.25 miles per dollar for every purchase.
Getting the card is a risk-free proposition because it won’t cost you a penny. Whatever miles you earn with the card are pure profit because there aren’t any fees. You can even use the card while traveling internationally, since there are no foreign transaction fees either.
The primary benefit of the Citi Diamond Preferred card is the 21-month introductory 0% APR. This benefit is very useful for people trying to get out of debt or for people anticipating a large purchase which they would like to pay off over time without incurring interest charges.
If you are currently paying a high interest rate on another credit card and have a considerable balance, transferring that balance to the Citi Diamond Preferred card could result in significant savings. If you are in debt, interest payments and late fees can make paying off your credit card balance seem difficult because these fees offset any potential reduction in the principal. However, making a balance transfer to a credit card with a 0% intro APR can be a successful strategy for reducing your debt.
Since the Citi Diamond Preferred card has a 21-month 0% APR period, you can essentially take your current balance and divide by 21 to determine how much you will have to pay each month in order to pay the debt off completely before interest charges begin.
If you anticipate a large Apple purchase coming up, whether it’s a new iPhone or a laptop, this card might be a good option for you if you want to pay for it over a period of time. The special financing offer varies, depending on how large the purchase is. If the items cost $1,499 or more, it’s possible to receive no-interest financing for up to two years. To receive the special offer, the purchase has to be made within 30 days of opening an account.
However, the Apple card also has some drawbacks. Although the special financing applies to Apple purchases made within the first 30 days of card membership, the same offer does not apply to your everyday purchases. That means that all other charges have to paid off after every statement closes or an APR of at least 14.24 percent will kick in. Additionally, if you do not pay off the no-interest balance within the promo period or if a payment is late, all the deferred interest that accrued from the purchase date will be billed.
The best way to use this card is by making an Apple purchase or two in the first 30 days and not touching the card again until the balance is paid off in full.
Up to 5% cash back
Discover it is a solid credit card that should be in just about everybody’s wallet. The card offers a great five percent return on categories that rotate quarterly, and one percent back on all other purchases. The first year as a cardholder can be really good for your bank account because all the rewards you earn will be doubled by Discover, with no limit!
In addition to being a great everyday earner, the Discover it card doesn’t have an annual fee and doesn’t charge foreign transaction fees if you want to use the card abroad. Redeeming cash back is super simple with no minimum redemption amount and no restrictions about what you can use the cash back for.
Perhaps your credit score isn’t the best, and you want to take matters into your own hands. Using a credit card responsibly and paying off all balances on time will help you increase your score over time. Since you likely will not be approved for a high limit, it’s a decent card for those who carry low balances. In addition, you’ll earn above-average rewards.
However, the QuicksilverOne from Capital One is not the best option for those who have a high enough score to qualify for the no-fee version of the card. It’s also not the best card for those looking for travel rewards specifically.
Overall, QuicksilverOne is not a bad option when you can’t qualify for other rewards cards with no annual fees.
50,000 bonus miles after you spend $3,000 on purchases within the first 3 months
With a sign-up bonus of 50,000 miles and the ongoing earning power of two miles for every dollar spent, there’s a good case for owning the Venture card. The $95 annual fee is waived the first year and you’ll have $460 to spend on travel once you’ve made the required $3,000 in purchases within the first three months. That makes this card a solid contender for your everyday spending. However, if you’re not going to be able to spend a minimum of $3,000 a year on the card, you would be better off selecting a card that has no annual fee.
$150 bonus after you spend $500 in the first 3 months
The short answer is yes! With no annual fee and impressive earning potential, this card is really a no-brainer. Even if you don’t have a premium Ultimate Rewards card, the Chase Freedom is still an excellent cashback card.
The only drawback is that it takes a little bit of work to get the most out of this card. You have to register every quarter for the bonus categories, and you have to remember what they are when you’re making purchases. You don’t want to use this card for all of your spending because it earns only one point per dollar in non-bonus categories.
Compare all credit cards by RE® Value, which is an estimate of how much you will earn during first year of credit card use minus annual fees.
Apple Pay, which launched back in 2014, was the first commercially successful mobile payment system. It now has competition from Android Pay and Samsung Pay, among a few others, but there are some good reasons to go with Apple.
First and foremost, the payment system has to be compatible with your mobile device. If you have a compatible Apple product—an iPhone, iPad or Apple Watch—then you’ll want to use Apple Pay. If you’re an Android user, you’ll have to look elsewhere for mobile payments.
Second, Apple Pay is compatible with more credit cards and vendors than any other mobile payment system. Apple has partnered with well over 1,000 U.S. banks, and all of the major rewards credit cards work with the system. More than that, any merchant that has a contactless payment system, also known as a NFC (near-field communication) reader, will take Apple Pay, as will most websites.
While there are a variety of mobile payment systems vying for market share at the moment, it seems clear that this is the future. It’s easy to use and more secure than traditional credit cards. Just swipe your phone at your favorite retailer and you’re ready to go. Now’s the time to find the right credit card to pair up with your Apple device.
Let’s take a closer look at Apple Pay and some of the compatible credit cards you may want to get.
If you don’t have the right device, you won’t be able to use Apple Pay. Not all Apple products work with the system. You’ll need to have an iPhone 6, 6 Plus, 6S, 6S Plus, 7, 7 Plus, 8, 8 Plus, X or SE. It also works with the iPad Air 2 and iPad Pro.
You can pair an Apple Watch to any of those iPhone models and use it with Apple Pay at stores with NFC readers. If you have the older iPhone 5, 5C or 5S, you can pair that with an Apple Watch to use Apple Pay. Otherwise, those devices are not compatible with the payment system.
You can make in-store purchases with Apple Pay if you have a supported device and the store accepts mobile payments. The merchant has to have a contactless payment system, known as a NFC reader, in order to accept Apple Pay. Apple claims that millions of retailers now accept Apple Pay. There’s a partial list on their website.
In addition to in-store purchases, you can use Apple Pay for one-tap purchases within certain apps and on a wide variety of websites. Apple also has a partial list of apps and websites that accept Apple Pay on their website.
Apple Pay has gone worldwide, too. It’s accepted in many countries throughout the world, including most of Europe, China, Japan, Russia and many more. Since Apple Pay adheres to the contactless EMV standards from all major payment card networks, it should work anywhere that supports contactless payments, no matter where you are in the world.
In short, acceptance isn’t as universal as standard credit cards, but it is broad and growing. It probably won’t be too long before mobile payment systems like Apple Pay become the new standard.
Sure, it’s easier to use Apple Pay, particularly since we all carry around our mobile phones religiously. But you may be wondering how safe it is to use. After all, you don’t have to sign or even present your card when you make a purchase.
Well, it’s actually safer than using a standard credit card. Your card number isn’t even stored in your phone or on Apple’s services. More than that, the merchant—in-store, online or in an app—will never see your card number. Instead, Apple uses a device-specific number and a unique transaction code to complete payments. No one will steal your card number ever again.
Apple Pay is getting even more flexible with the introduction of a new feature that allows you to send payments through Messages. It couldn’t be simpler to send money to whoever you want, be it a babysitter, a friend you just split dinner with or your kid who’s at college.
You don’t have to download an app, like PayPal or Square Cash, or setup a special account. Just open Message or ask Siri, and you can simply text a payment.
All of the major card companies—Visa, MasterCard, American Express and Discover — have cards that are compatible with Apple Pay. Plus, a huge number of U.S. banks issue cards compatible with the payment system. That includes the big ones, like Chase, Citi, Capital One, Bank of America, HSBC, American Express and Wells Fargo.
In short, if you want a specific type of credit card, you’re probably going to be able to find one that supports Apple Pay. That includes travel cards, rewards cards, retail store cards, cashback cards, 0% intro APR cards, airline cards, hotel cards, cruise cards, no annual fee cards, premium cards and more.
It’s important to remember that just because an issuer offers cards with Apple Pay, not all of the cards issued by that bank will be compatible with the service. Prepaid and secured credit cards compatible with mobile payment systems can be particularly difficult to find, but they do exist. If Apple Pay is a priority for you, be sure to check the fine print or contact the bank before applying for a card.
Let’s take a look at just a few of the many great credit cards that are compatible with Apple Pay.
If you’re an avid traveler, consider getting a card that’s co-branded with your favorite airline. American Airlines, Delta, United, Alaska Airlines, JetBlue, British Airways, Spirit and Allegiant all have Apple Pay compatible cards that offer a variety of benefits, including free checked bags and the ability to earn free airfare.
Real travel pros might go for a more flexible rewards card that offers points that can be transferred to a variety of airline and hotel partners. That way you aren’t tied down to one airline when you’re booking your next trip, and you’ll be able to maximize the value of your points.
Look for cards that are part of the American Express Membership Rewards, Chase Ultimate Rewards, Citi ThankYou and Starwood Preferred Guest programs. They’ll allow you to transfer points to a variety of airlines and hotels, or you can redeem directly through their respective online travel portals.
Chase Sapphire Preferred® Card,American Express® Premier Rewards Gold Card, Citi ThankYou® Preferred Card and the Starwood Preferred Guest® Credit Card from American Express are great cards in their respective rewards programs. Note that each program has different transfer partners and each card offers different earning potential, bonuses and other benefits. You’ll have to weight your personal needs and spending habits against what each card offers to find the best fit for you. The good news is that you have a lot of options.
If all of that seems too complicated, or perhaps you don’t travel very often, then maybe a straight cashback card is the way to go. There are a ton of options that are compatible with Apple Pay.
With these cards you’ll earn a percentage of every purchase you make back in the form of statement credits or actual checks sent in the mail. Many cards will offer a bonus for purchases made in certain categories, which might include anything from gas and airfare to groceries and dining out, while earning only 1 percent back for all other purchases.
Some other cards offer a fixed percentage back on all purchases. That return is typically either 1.5 or 2 percent. The cashback card that will be the most lucrative for you will depend on your particular spending habits.
Chase Freedom® Card and Chase Freedom Unlimited® are very popular. The former offers 5 percent back for specific categories of purchases that change quarterly, and the later offers a fixed 1.5 percent back for all purchases.
You might also want to consider these excellent cards: Blue Cash Everyday® Card from American Express, Bank of America® Cash Rewards Credit Card, Discover it® Chrome Card and Venture® Rewards Credit Card. There are many options and many earning schemes to choose from.
While some cards are worth paying for, they aren’t for everyone. If you’re trying to keep your upfront costs down, or you just don’t think you’ll get enough out of a card that charges an annual fee, there are still a lot of cards to consider that are compatible with Apple Pay.
If you want cashback, consider the standard Discover it® - Cashback Match™, Citi® Double Cash Card and the previously mentioned Chase Freedom® Card. All of them offer solid returns on spending and various bonuses.
For travelers, you might consider Bank of America® Travel Rewards Credit Card or Hilton Honors™ Card. Both have no fee and the potential to be very valuable. The Travel Rewards card allows you to use points to offset travel expenses charged to your card via statement credits, whereas the Hilton card is tied to the hotel chain, but is great for earning free nights.
There are many other options, including Wells Fargo Visa Signature® Card and the Fidelity Rewards Visa Signature, that are worth your consideration, too.
Most of the cards I’ve mentioned so far require you to have good to excellent credit to get approved. But what if you want to use Apple Pay and your credit score is poor. Or maybe you’re a student or anyone else who hasn’t built up any credit history? Not to worry, there is a way!
If you can’t get other credit cards, consider a secured card. Most issuers offer at least one secured card in their lineup. These cards work by allowing the cardholder to create their own credit line by putting down cash as collateral.
In other words, secured cardholders give the issuer anywhere from $300 to several thousand dollars, and that amount becomes your credit line. So if you have a secured card that has a $500 credit limit, you’ll have to give the bank $500.
This may sound like a terrible deal, but the advantage is that you can now start building a positive credit history and improving your credit score. The goal is to move onto a traditional credit card as soon as you can get approved for one. So be sure to pay off your bill in full every month!
There are several secured cards that are compatible with Apple Pay, including Discover it Secured, Wells Fargo Secured Card, BankAmericard Secured, Citi® Secured Mastercard® and U.S. Bank Secured Visa.
If you’re a college student who has no credit history, you have other options. Cards that are designed specifically for students tend to have lower credit limits, but they don’t typically require an upfront payment, like secured cards. Some of them will give you rewards if you pay your bills on time or even just for making good grades.
Student cards that are compatible with Apple Pay include Citi ThankYou® Preferred Card for College Students, Bank of America® Cash Rewards Credit Card for Students, Bank of America® Travel Rewards credit card for Students and Discover it® Chrome for Students.
On the other end of the spectrum you have premium cards. These cards come with big annual fees and a ton of benefits. They’re best suited for someone who will take full advantage of all the perks that come with the card, which are usually frequent travelers. If you do use these cards to their fullest, you can easily cover the $400 to $550 annual fee. There are several cards that fit this category that are compatible with Apple Pay.
One of the most common and prized perks that come with premium cards is free airport lounge access. If you use lounges, you can save a lot of money with one of these cards. Access typically costs around $50 per person, per day. Other perks may include various travel credits, reimbursement for TSA PreCheck or Global Entry, free checked bags, concierge service, elite status with travel partners, discounts, big sign-up bonuses, free Wi-Fi and more.
Some premium cards that are compatible with Apple Pay include American Express® Platinum Card®, Chase Sapphire Reserve®, Citi Prestige® Card, U.S. Bank Altitude™ Reserve Visa Infinite® Card, Delta Reserve Credit Card, Chase United MileagePlus® Club Card and Citi® / AAdvantage® Executive World Elite™ MasterCard®.