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Apple Pay Compatible Credit Cards

Tom Broucksou
Updated on: 01/03/2019

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.

8 Top Rated Apple Pay Credit Cards

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.

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Intro APR on Purchases
0% (up to 18 months)
Intro APR on Balance Transfers
0% (up to 18 months)
Regular APR
SEE TERMS
Annual Fee
$0
Rewards Program
Travel and Miles
about this credit card:
    • The best credit cards for Apple Pay: January 2019
    • View all of the current card offers on Credit-Land.com by clicking Apply Now
    • Enjoy Apple Pay, 0% intro APR, cash back, sign-up bonuses and other perks
    • Offers available for Excellent and Good credit
Capital One® VentureOne® Rewards Credit Card
Learn More
Intro APR on Purchases
0% intro on purchases for 12 months
Intro APR on Balance Transfers
N/A
Regular APR
14.24% - 24.24% (Variable)
Annual Fee
$0
Rewards Program
Venture® Rewards
about this credit card:
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
    • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels through January 2020; learn more at hotels.com/venture
    • Transfer your miles to over 12 leading travel loyalty programs
    • Fly any airline, stay at any hotel, anytime
    • Enjoy a low intro APR on purchases for 12 months; 14.24% - 24.24% variable APR after that
    • Travel when you want with no blackout dates
    • No foreign transaction fees
    • Miles won't expire for the life of the account and there's no limit to how many you can earn

Travel Benefits

Travel Upgrades and Savings:

Free upgrades and discounts at select hotels and resorts are part of the Visa Signature card benefits.

Complimentary Concierge Service:

Enjoy free assistance 24-hours a day, even while you’re traveling.

No Foreign Transaction Fee:

Use your card anywhere in the world and never pay additional fees.

Why should you get this card?

  • Great Earning Potential: You’ll get bonus points for every purchase you make. No matter what you buy, you’ll earn 1.25 miles for every dollar spent. Those miles will add up fast.
  • Hassle-Free Redemptions: Miles can be applied to any travel purchases, not just airfare. On top of that, you don’t have to worry about blackout dates or limited award space because you buy the travel you want and then apply miles to the purchase.
  • No Annual Fee: It’s hard to be a rewards card that does not charge an annual fee. Every reward you earn is essentially free!
  • Sign-Up Bonus: For a no-fee card, 20,000 miles is an excellent sign-up bonus. It’s worth $200 in travel. All you have to do is spend $1,000 during the first three months you have the card.

Our Expert's Conclusion

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.

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels through January 2020; learn more at hotels.com/venture
  • Transfer your miles to over 12 leading travel loyalty programs
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 14.24% - 24.24% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Capital One® QuicksilverOne® Cash Rewards Credit Card
Learn More
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular APR
26.96% (Variable)
Annual Fee
$39
Rewards Program
Capital One® Cash Back Rewards
about this credit card:
    • Earn unlimited 1.5% cash back on every purchase, every day
    • Earn cash rewards without signing up for rotating categories
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Monitor your credit profile with the CreditWise® app, free for everyone
    • $0 fraud liability if your card is ever lost or stolen
    • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
    • Help strengthen your credit for the future with responsible card use
    • Get customized alerts and manage your account with the Capital One mobile app

Travel Benefits

No Foreign Transaction Fee:

Use this card when you travel abroad. You’ll never be charged additional fees for using this card.

Why should you get this card?

  • Great Earning Potential: Every purchase you make earns 1.5% cash back. There’s no need to keep track of rotating categories.
  • Hassle-Free Redemptions: Points can be used for statement credits toward any expense. Redeem cash back any time, in any amount.
  • Qualify with Limited Credit: You don’t need to have excellent credit to get this card, making it a great tool for improving your score and earning rewards at the same time.
  • Quickly Improve Your Credit Line: With the Credit Steps program, you can increase your credit line after making just five payments on time.

Our Expert's Conclusion

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.

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app
Capital One® Venture® Rewards Credit Card
Learn More
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular APR
15.24%-25.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Rewards Program
Venture® Rewards
about this credit card:
    • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
    • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels through January 2020; learn more at hotels.com/venture
    • Named ‘The Best Travel Card' by CNBC, 2018
    • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
    • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
    • Miles won't expire for the life of the account and there's no limit to how many you can earn
    • No foreign transaction fees
    • $0 intro annual fee for the first year; $95 after that

Travel Benefits

Premium Hotel Benefits:

Enjoy perks, such as room upgrades and free breakfast, at over 900 Visa Signature Luxury Hotel Collection properties.

No Foreign Transaction Fee:

You’ll never have to pay additional fees to use your card while traveling abroad.

Complimentary Concierge Services:

24/7 assistance for dinner reservations, booking travel and special access to sporting and entertainment events.

Why should you get this card?

  • A Generous Sign-up Bonus: The 50,000-mile sign up bonus can be redeemed for $500 worth of travel.
  • Earnings Add up Quickly: Every dollar you spend earns 2 miles, not 1.5 or 1 like other cards. There are no categories or promotions to keep track of.
  • It’s Easy to Redeem Miles: Find the best travel deal, pay with your Venture Rewards card and redeem your miles for a statement credit to erase your purchase. Or just redeem your miles online from the Capital One Rewards Center.

Our Expert's Conclusion

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.

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels through January 2020; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer

To apply for this offer please contact
Citibank

Intro APR on Purchases
0% 12 months on Purchases
Intro APR on Balance Transfers
0% 21 months on Balance Transfers
Regular APR
14.99% - 24.99% (Variable)
Annual Fee
$0
Rewards Program
Citi® Diamond Preferred®
about this credit card:
    • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that the variable APR will be 14.99% - 24.99%, based on your creditworthiness
    • 0% Intro APR on purchases for 12 months from date of account opening. After that the variable APR will be 14.99% - 24.99%, based on your creditworthiness
    • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full
    • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
    • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
    • No annual fee
    • Free access to FICO® Scores

Why should you get this card?

  • Saving on Balance Transfers: Transferring balances from credit cards or other debts on which you are paying interest is a great way to save some money. However, the Citi Diamond Preferred card charges a fee of $5 or 3 percent of the balance, whichever is greater, when you conduct a balance transfer. So you should be sure the interest savings are greater than the balance transfer fee before you make this decision. In addition, balance transfers must be completed within the first four months of account opening in order to qualify for the promotional 0% APR.
  • Saving on Purchases: The savings available on new purchases are arguably the best use of the introductory 0% APR. This is because new purchases, unlike balance transfers, do not come up with an upfront fee. Therefore, you can use this feature to completely avoid interest and fees as long as you pay off the entire balance before the 21-month 0% APR period is over. You must make at least the minimum payment to maintain the promotional rate.

Our Expert's Conclusion

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.

  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that the variable APR will be 14.99% - 24.99%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that the variable APR will be 14.99% - 24.99%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee
  • Free access to FICO® Scores
Barclaycard Visa® with Apple Rewards
Apply Now
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular APR
15.99%, 21.99% or 28.99% Variable±
Annual Fee
$0
Rewards Program
None
about this credit card:
    • Limited Time Offer: Earn $50 in bonus Apple Store or App Store & iTunes Gift Cards after your purchase.
    • Earn 3 points for every $1 spent at Apple.
    • Earn 2 points for every $1 spent at restaurants.
    • Earn 1 point for every $1 spent on all other purchases.
    • Automatically earn Apple Store or App Store & iTunes gift cards for every 2,500 points you earn, automatically receive a $25 Apple Store or App Store & iTunes gift card
    • Special financing on Apple purchases.
    • $0 fraud liability protection.
    • ID Theft Protection™ provides 24 hours a day, 7 days per week assistance with replacing your card and notifying the credit bureau should you become the victim of identity theft.

Why should you get this card?

  • Special Financing Offer: Use your Apple card to purchase Apple products from the Apple Store or Apple.com and receive 0 percent APR for 6 to 24 months on a purchase made within 30 days, depending on the purchase amount.
  • No Annual Fee: Holding a card long term increases your average age of accounts, and holding this particular Barclaycard Visa and earning rewards cost absolutely nothing.
  • Earn Apple Store or iTunes Gift Cards: Every point you earn with the Apple credit card is worth a penny, and every 2,500 points earned can be converted to a $25 gift card to the Apple Store or iTunes.
  • Triple Points at Apple Stores: The cards earns 3 points per dollar spent at any Apple Store, both physical locations and online. Boost your rewards balance quickly if you’re a frequent shopper.

Our Expert's Conclusion

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.

  • Limited Time Offer: Earn $50 in bonus Apple Store or App Store & iTunes Gift Cards after your purchase.
  • Earn 3 points for every $1 spent at Apple.
  • Earn 2 points for every $1 spent at restaurants.
  • Earn 1 point for every $1 spent on all other purchases.
  • Automatically earn Apple Store or App Store & iTunes gift cards for every 2,500 points you earn, automatically receive a $25 Apple Store or App Store & iTunes gift card
  • Special financing on Apple purchases.
  • $0 fraud liability protection.
  • ID Theft Protection™ provides 24 hours a day, 7 days per week assistance with replacing your card and notifying the credit bureau should you become the victim of identity theft.
Rating: 90/100
Chase Freedom®
Apply Now
Intro APR on Purchases
0% Intro APR on Purchases for 15 months
Intro APR on Balance Transfers
0% Intro APR on Balance Transfers for 15 months
Regular APR
16.74% - 25.49% Variable
Annual Fee
$0
Rewards Program
Ultimate Rewards®
about this credit card:
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
    • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
    • Enjoy new 5% categories each quarter
    • Unlimited 1% cash back on all other purchases - it's automatic
    • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
    • Free credit score, updated weekly with Credit Journey℠
    • No annual fee

Featured Benefits

Foreign Transaction Fee:

Best to leave this one at home when you travel abroad. You’ll be a 3% fee on all international transactions.

Why should you get this card?

  • Awesome Earning Potential: You’ll get 5 points per dollar spent in rotating bonus categories. The categories, which typically include everyday expenses like gas, dining out and groceries, change every quarter.
  • No Annual Fee: With no annual fee, the Freedom card is easy to add to your arsenal of rewards cards. It’s also great for building credit since you can keep it forever at no cost and increase the age of your credit.
  • Solid Sign-Up Bonus: While the 15,000 points sign-up bonus isn’t the biggest you’ll find, it isn’t bad for a no-fee card!
  • Compliments Other Ultimate Rewards Cards: It’s easy and free to transfer the points you earn with this card to other UR cards. And if you have a premium UR card, like the Sapphire Preferred, you’ll get even more value out of your points.

Our Expert's Conclusion

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.

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee

Compare Credit Cards with Apple Pay

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.

Credit Card
Bonuses & Rewards
First Year Rewards
FEES
RE® value
Capital One® VentureOne® Rewards Credit Card

Capital One® VentureOne® Rewards Credit Card

Bonuses & Rewards
  • 20,000 miles sign-up bonus.
  • 30,000 miles for everyday spend.
First Year Rewards
$500
FEES
-$0
RE® value
$500
Capital One® QuicksilverOne® Cash Rewards Credit Card

Capital One® QuicksilverOne® Cash Rewards Credit Card

Bonuses & Rewards
  • $0 sign-up bonus.
  • $360 for everyday spend.
First Year Rewards
$360
FEES
-$39
RE® value
$321
Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

Bonuses & Rewards
  • 50,000 miles sign-up bonus.
  • 48,000 miles for everyday spend.
First Year Rewards
$980
FEES
-$0
RE® value
$980
Barclaycard Visa® with Apple Rewards

Barclaycard Visa® with Apple Rewards

Bonuses & Rewards
  • 0 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$240
FEES
-$0
RE® value
$240
Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Bonuses & Rewards
  • 50,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$1,332
FEES
-$0
RE® value
$1,332
American Express® Premier Rewards Gold Card

American Express® Premier Rewards Gold Card

Bonuses & Rewards
  • 25,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$987
FEES
-$0
RE® value
$987
Starwood Preferred Guest® Credit Card from American Express

Starwood Preferred Guest® Credit Card from American Express

Bonuses & Rewards
  • 75,000 Starpoints® sign-up bonus.
  • 48,000 Starpoints® for everyday spend.
First Year Rewards
$2,362
FEES
-$0
RE® value
$2,362
Chase Freedom®

Chase Freedom®

Bonuses & Rewards
  • 15,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$390
FEES
-$0
RE® value
$390
Chase Freedom Unlimited®

Chase Freedom Unlimited®

Bonuses & Rewards
  • 15,000 points sign-up bonus.
  • 36,000 points for everyday spend.
First Year Rewards
$510
FEES
-$0
RE® value
$510
Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Bonuses & Rewards
  • $150 sign-up bonus.
  • $240 for everyday spend.
First Year Rewards
$390
FEES
-$0
RE® value
$390
Bank of America® Cash Rewards Credit Card

Bank of America® Cash Rewards Credit Card

Bonuses & Rewards
  • $200 sign-up bonus.
  • $240 for everyday spend.
First Year Rewards
$440
FEES
-$0
RE® value
$440
Citi® Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer

Bonuses & Rewards
  • $ sign-up bonus.
  • $480 for everyday spend.
First Year Rewards
$480
FEES
-$0
RE® value
$480
Bank of America® Travel Rewards Credit Card

Bank of America® Travel Rewards Credit Card

Bonuses & Rewards
  • 25,000 points sign-up bonus.
  • 36,000 points for everyday spend.
First Year Rewards
$610
FEES
-$0
RE® value
$610
Hilton Honors™ Card

Hilton Honors™ Card

Bonuses & Rewards
  • 75,000 points sign-up bonus.
  • 72,000 points for everyday spend.
First Year Rewards
$470
FEES
-$0
RE® value
$470
Wells Fargo Visa Signature® Card

Wells Fargo Visa Signature® Card

Bonuses & Rewards
  • 0 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$358
FEES
-$0
RE® value
$358
Wells Fargo Secured Card

Wells Fargo Secured Card

Bonuses & Rewards
  • 0 cashback sign-up bonus.
  • 0 cashback for everyday spend.
First Year Rewards
$0
FEES
-$25
RE® value
$-25
Citi® Secured Mastercard®

Citi® Secured Mastercard®

Bonuses & Rewards
  • 0 cashback sign-up bonus.
  • 0 cashback for everyday spend.
First Year Rewards
$0
FEES
-$0
RE® value
$0
Bank of America® Cash Rewards Credit Card for Students

Bank of America® Cash Rewards Credit Card for Students

Bonuses & Rewards
  • $150 sign-up bonus.
  • $240 for everyday spend.
First Year Rewards
$390
FEES
-$0
RE® value
$390
The Platinum Card® from American Express

The Platinum Card® from American Express

Bonuses & Rewards
  • 60,000 points sign-up bonus.
  • 0 points for everyday spend.
First Year Rewards
$1,286
FEES
-$550
RE® value
$736
Chase Sapphire Reserve®

Chase Sapphire Reserve®

Bonuses & Rewards
  • 50,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$1,632
FEES
-$450
RE® value
$1,182
U.S. Bank Altitude™ Reserve Visa Infinite® Card

U.S. Bank Altitude™ Reserve Visa Infinite® Card

Bonuses & Rewards
  • 50,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$1,429
FEES
-$400
RE® value
$1,029
Delta Reserve Credit Card

Delta Reserve Credit Card

Bonuses & Rewards
  • 40,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$1,010
FEES
-$450
RE® value
$560
Chase United MileagePlus® Club Card

Chase United MileagePlus® Club Card

Bonuses & Rewards
  • 50,000 miles sign-up bonus.
  • 36,000 miles for everyday spend.
First Year Rewards
$1,633
FEES
-$450
RE® value
$1,183
Citi® / AAdvantage® Executive World Elite™ MasterCard®

Citi® / AAdvantage® Executive World Elite™ MasterCard®

Bonuses & Rewards
  • 50,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$1,304
FEES
-$450
RE® value
$854

Your Guide to Apple Pay

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.

  • Which Devices Support Apple Pay?

    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.

  • Where You Can Use Apple Pay

    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.

  • Added Security

    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.

  • Pay Anyone!

    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.

Credit Cards That Work With Apple Pay

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.

  • Travel

    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.

  • Cashback

    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® 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 and Capital One® Venture® Rewards Credit Card. There are many options and many earning schemes to choose from.

  • No Annual Fee

    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® Cash Back, Citi® Double Cash Card – 18 month BT offer and the previously mentioned Chase Freedom®. 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.

  • Poor or No Credit

    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® Student chrome.

  • Premium Cards

    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 The Platinum Card® from American Express, 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®.

FAQs

Need more info? Check out our frequently asked questions. If you have other questions, don't hesitate to leave a comment below.

  • Which credit cards are compatible with Apple Pay?

    There are so many cards that work with Apple Pay that it would be difficult to list them all here. In fact, it would be better to first ask yourself what you want to get out of your credit card. Once you figure that out, it’s very likely that there will be a card that will do what you want and will be compatible with Apple Pay.
    Whether you want to earn extra cash back for specific types of purchases or get a free checked bag with your favorite airline, there’s sure to be an option with Apple Pay. Even if you have poor credit, you could get a secured card that works with Apple Pay. I’d start by finding the best card for you and your circumstances and then figuring out if it’s compatible with Apple Pay.
    Also, remember that you need a compatible Apple device, like an iPhone or iPad, to use Apple Pay.
  • Which Canadian credit cards work with Apple Pay?

    There are a ton of options if you’re a resident of Canada. Apple has partnered with nearly all Canadian banks to offer credit and debit cards that work with Apple Pay. Apple has a list of the Canadian banks they work with on their site, but you may want to start by simply calling your current credit card company and asking if you can use your card with Apple Pay.
  • How many credit cards can I use with Apple Pay?

    You can add up to 12 cards to most Apple devices, including iPhone 8 and Apple Watch series 3 and later. Earlier devices will accept only eight cards.
    In order to set up Apple Pay you’ll need a compatible device, a supported credit card and an Apple ID through iCloud. As you set up Apple Pay, keep in mind that each card will have to be added separately to each device that you want to use. As a security feature, cards are not automatically shared between devices. Your card number will never be stored on your device or available through any Apple services.
  • How do you add a card to Apple Pay?

    Apple Pay is easy to set up and easy to use. If you want to add an additional credit card to your device, go to the Wallet app and tap Add Credit or Debit Card. Follow the onscreen steps to add a new card. When you tap Next, your bank or card issuer will verify your information and determine if you can use the card with Apple Pay. They may ask you for additional information. That’s it!
  • I assume the Apple Rewards card works with Apple Pay. Is there any advantage to having that card?

    While the Barclaycard Visa with Apple Rewards is compatible with Apple Pay, it doesn’t offer cardholders any special benefits with the service. The card is primarily designed to award members for making Apple purchases and to give them special financing on Apple purchases.
    With the card, you’ll earn three points per dollar spent at Apple, two points per dollar at restaurants and one point per dollar for everything else. For every 2,500 points you earn, you will automatically receive a $25 Apple Store or iTunes gift card.
    You can also get interest-free financing for Apple purchases within 30 days of account opening. How long you receive the 0% APR depends on how much you spend. Purchases of $499 or less get six months; $499 to $999 gets 12 months; $999 to $1,499 gets 18 months; and anything over $1,499 gets 24 months.
  • Can I use a prepaid card with Apple Pay?

    Some prepaid cards are compatible with Apple Pay, though it’s less common then it is with standard credit cards. Chase Liquid prepaid cards and some Wells Fargo prepaid cards are compatible, though there are probably others. Since Apple does not publish a list, the only way to be sure is to contact the card issuer or bank before getting the card or trying to add it to your device if you already have it.
    If you have a prepaid card because you can’t get a standard credit card, you may want to consider getting a secured credit card. Unlike prepaid cards, secured cards can help you build your credit history and improve your credit score. If you pay your bills on time, you should be able to eventually qualify for a better credit card.
    The drawback of secured cards is that you have to put money down, and there’s usually an annual fee. The bank does this because they consider you a credit risk. You have to prove to them that you’re a reliable customer, and they may upgrade you to a better card.
  • Is there a small business credit card that’s compatible with Apple Pay?

    Yes! Most small business cards are compatible with Apple Pay, particularly if they’re issued by a major bank. You won’t have to compromise and get a lesser card to find one that’s compatible with the payment system. You can get airline cards, rewards cards and more that offer the benefits you might want from a business card, plus you can earn rewards! To name a few, Wells Fargo, American Express and U.S. Bank offer small business cards that work with Apple Pay.
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