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Apple Pay Compatible Credit Cards

Tom Broucksou
Updated on: 11/17/2017

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.

7 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.

Discover it® Miles Card
Raiting: 95/100

Discover it® Miles Card
How to Apply

To apply for this offer please contact
Discover Bank

Intro APR on Purchases
0% intro APR for 14 months from date of account opening
Intro APR on Balance Transfers
10.99% intro APR for 14 months from date of first transfer, for transfers under this offer that post to your account by March 10, 2018
Regular APR
11.99% to 23.99% Variable±
Annual Fee
$0
Rewards Program
Discover it® Miles Rewards
Bonuses & Rewards
  • 1.5Miles on Airfare Purchases
  • 1.5Miles on Hotels
  • 1.5Miles on Gas
  • 1.5Miles on All Other Purchases
  • Unlimited 1.5X rewards on every purchase offer

    • Miles earned are matched at the end of the first year of cardmembership
    • We will reimburse up to $30 of your in-flight Wi-Fi purchases each year with automatic credits to your statement
  • No Foreign Transaction Fee

Travel Benefits

$30 In-Flight Wi-Fi Access

You will be reimbursed for up to $30 in purchases of wireless internet access on an aircraft per anniversary year. The statement credit will be issued for the purchase amount in U.S. dollars within seven business days.

No Foreign Transaction Fees

The Discover miles card does not charge foreign transaction fees so you can rest easy when you are abroad.

Why should you get this card?

  • Great Earning Potential: You always earn 1.5 miles per dollar spent, which equates to 1.5 percent cash back. Don’t settle for 1 percent! The Discover it Miles card is better.
  • Miles Can be Redeemed for Anything: You don’t have to wait until you have travel coming up to use your miles. Even though the Discover it Miles card earns Miles, it is a cash back card.
  • Miles Doubled for the First Year: At the end of your first year as a card member, Discover will match all of the miles you’ve earned!
  • $30 in Annual Wi-Fi Credits: Next time you have a long flight you can purchase Wi-Fi and have Discover cover the cost up to $30 per year.

Our Expert's Conclusion

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.

  • Get unlimited 1.5x Miles on every dollar you spend on purchases.
  • No annual fee.
  • We'll match all the Miles you've earned at the end of your first year (new cardmembers only). For example, 30,000 Miles turns to 60,000 Miles.
  • No blackout dates. Fly any airline, any time.
  • We will reimburse up to $30 of your in-flight Wi-Fi purchases each year with automatic credits to your statement.
  • Freeze ItSM on/off switch for your account.
  • Keep tabs on your FICO® Score.
  • You can always count on 100% US-based customer service, anytime. We will not waste your time selling you other products when you call us.
  • Your Miles never expire.

VentureOne® from Capital One®
Raiting: 93/100

VentureOne® from Capital One®
How to Apply

To apply for this offer please contact
Capital One®

Intro APR on Purchases
0% introductory APR for the first 12 months that your account is open
Intro APR on Balance Transfers
N/A
Regular APR
12.99% to 22.99% Variable±
Annual Fee
$0
Rewards Program
Venture® Rewards
Bonuses & Rewards
  • 1.25Miles on Travel, Dining and Car Rental
  • 1.25Miles on Gas
  • 1.25Miles on Hotels
  • 1.25Miles on All Other Purchases
  • 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months.
  • No Foreign Transaction Fee
  • +No cap to the amount of rewards 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.

  • One-time bonus of 20,000 miles—equal to $200 in travel—once you spend $1,000 on purchases within the first 3 months.
  • Earn unlimited 1.25X miles—that's 1.25 miles for every dollar you spend on purchases. 100 miles is equal to $1 in travel rewards.
  • Use your VentureOne® card to make travel purchases on any website or app—any airline, any hotel, rental cars and more.
  • Annual Fee $0.
  • Once you make a travel purchase with VentureOne, redeem your miles as a statement credit toward the cost. Your rewards don't expire.
  • No foreign transaction fees.
  • You're covered by $0 Fraud Liability if your card is ever lost or stolen.
  • Get 10% off thousands of hotels on HotelTonight through January 2017.

Barclaycard Visa® with Apple Rewards
Raiting: 72/100

Barclaycard Visa® with Apple Rewards
How to Apply

To apply for this offer please contact
Barclaycard

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular APR
14.99% to 27.99% Variable±
Annual Fee
$0
Rewards Program
None
Bonuses & Rewards
  • 3xPoints on Apple Purchases
  • 2xPoints on Dining
  • 1xPoints on Gas
  • 1xPoints on All Other Purchases
  • 3% of each transaction in U.S. dollars
  • +Special financing on purchases made at Apple

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.

  • 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.
  • Earn Apple Store or iTunes gift cards for every 2,500 points you earn, automatically receive a $25 Apple Store or iTunes gift card.
  • Special financing on purchases made at Apple.
  • $0 fraud liability protection.
  • Global assistance services.

Discover it® - Cashback Match™
Raiting: 96/100

Discover it® - Cashback Match™
How to Apply

To apply for this offer please contact
Discover Bank

Intro APR on Purchases
0% intro APR for 14 months from date of account opening
Intro APR on Balance Transfers
0% intro APR for 14 months from date of first transfer, for transfers under this offer that post to your account by March 10, 2018
Regular APR
11.99% to 23.99% Variable±
Annual Fee
$0
Rewards Program
Cashback Bonus®
Bonuses & Rewards
  • %5% in rotating categories each quarter like Gas, Dining, Amazon.com, Wholesale Clubs and more
  • %1% on Travel
  • %1% on Groceries
  • %1% on All Other Purchases
  • Up to 5% cash back offer

    • Discover automatically matches all the cash back you earn dollar for dollar at the end of your first year
  • No Foreign Transaction Fee

Travel Benefits

No Foreign Transaction Fee:

You won’t be hit with any additional fees for using your Discover card while traveling internationally.

Why should you get this card?

  • Cashback Match: After your first year, Discover will double all of the cash back you earned with no cap!
  • Good Earning Potential: The Discover it card earns 5% back on quarterly rotating categories that include things like dining and gas stations, and 1% back on all other purchases.
  • Hassle-Free Redemptions: Your cash back is worth what you think it is, and there are no minimums or category restrictions to your redemptions.
  • No Annual Fee: You’ll never have to pay anything for this card. That means all the rewards you earn are essentially free. How can you beat that?

Our Expert's Conclusion

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.

  • Earn 5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate.
  • 1% cash back on all other purchases.
  • Discover automatically matches all the cash back you earn dollar for dollar at the end of your first year.
  • Redeem your rewards for cash in any amount, anytime.
  • Your cash back never expires.
  • $0 Fraud Liability.
  • No foreign transaction fee.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.

QuicksilverOne® Cash Rewards Credit Card
Raiting: 97/100

QuicksilverOne® Cash Rewards Credit Card
How to Apply

To apply for this offer please contact
Capital One®

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular APR
24.99% Variable±
Annual Fee
$39
Rewards Program
Capital One® Cash Back Rewards
Bonuses & Rewards
  • %1.5% on Travel, Dining and Car Rental
  • %1.5% on Gas
  • %1.5% on Hotels
  • %1.5% on All Other Purchases
  • No Foreign Transaction Fee

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.
  • Rewards don't expire, and you can redeem your cash back for any amount, anytime.
  • Security and account alerts.
  • Fraud Coverage.
  • Personalized payment.
  • No foreign transaction fees.
  • CreditWise® from Capital One®.
  • Extended warranty.
  • Auto rental insurance.
  • Travel accident insurance.
  • Price protection.

Venture® Rewards Credit Card
Raiting: 95/100

Venture® Rewards Credit Card
How to Apply

To apply for this offer please contact
Capital One®

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular APR
13.99% to 23.99% Variable±
Annual Fee
$0 first year, then $95
Rewards Program
Venture® Rewards
Bonuses & Rewards
  • 2xMiles on Travel, Dining and Car Rental
  • 2xMiles on Gas
  • 2xMiles on Hotels
  • 2xMiles on All Other Purchases
  • 50,000 bonus miles after you spend $3,000 on purchases within the first 3 months
  • No Foreign Transaction Fee
  • +No cap to the amount of rewards you can earn

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.

  • Earn 50,000 bonus miles once you spend $3,000 on purchases within the first 3 months from account opening.
  • Earn unlimited 2X miles—that's 2 miles for every dollar you spend on purchases. 100 miles is equal to $1 in travel rewards.
  • Use your Venture® card to make travel purchases on any website or app—any airline, any hotel, rental cars and more.
  • Once you make a travel purchase with Venture, redeem your miles as a statement credit toward the cost. Your rewards don't expire.
  • No foreign transaction fees.
  • You're covered by $0 Fraud Liability if your card is ever lost or stolen.

Barclaycard CashForward™ World Mastercard®
Raiting: 90/100

Barclaycard CashForward™ World Mastercard®
How to Apply

To apply for this offer please contact
Barclaycard

Intro APR on Purchases
0% introductory APR for the first fifteen billing cycles after the account is opened
Intro APR on Balance Transfers
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening
Regular APR
15.99% to 25.99% Variable±
Annual Fee
$0
Rewards Program
Barclaycard CashForward™ Rewards
Bonuses & Rewards
  • %1.5% on Travel, Dining and Car Rental
  • %1.5% on Gas
  • %1.5% on Hotels
  • %1.5% on All Other Purchases
  • $200 cash rewards bonus after you spend $1,000 in the first 90 days
    • 5% cash rewards redemption bonus to use toward your next redemption
  • 3% of each transaction in U.S. dollars

Travel Benefits

Foreign Transaction Fee:

3% of each transaction in U.S. dollars.

Why should you get this card?

  • Great Earning Potential: Every purchase you make generates a 1.5% return at any merchant or service provider. Not that many no-fee cards can beat that earning on all transactions.
  • Sign-Up Bonus: Spending just $1,000 on this card in the first 3 days of account opening will earn you a $0bonus, which is excellent for a no-fee card. Most other cards with this earning potential offer a smaller bonus or no bonus at all.
  • No Annual Fee: Holding a card long term increases the average age of your accounts, and not paying for a card makes it easy to keep. Not to mention, earning cashback rewards doesn’t cost a dime.
  • Double Points: Redemptions start at $50 and can be applied toward a statement credit, gift cards or a deposit into a checking or savings bank account.

Our Expert's Conclusion

The Barclaycard CashForward World MasterCard is a solid option for someone who’s not too invested in travel rewards and is looking for a no-fuss cashback credit card. You’ll earn $200 just for spending $1,000 in the first 90 days and continue to earn 1.5 points on all purchases, no matter the purchase category or time of year.

This is also a good option for those who cannot qualify for a Chase card because they’ve opened five or more credit cards in the last 24 months. If you fall into that camp, the competitive Chase Freedom Unlimited card is out of reach.

  • Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening.
  • Earn unlimited 1.5% cash rewards on every purchase.
  • Every time you redeem get a 5% cash rewards redemption bonus to use toward your next redemption.
  • Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards.
  • Cash rewards do not expire.
  • Free online FICO® Credit Score.
  • Chip card technology.
  • Mastercard travel assistance services.

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
Discover it® Miles Card

Discover it® Miles Card

Bonuses & Rewards
  • match all the rewards at the end of first year
  • 36,000 miles for everyday spend.
First Year Rewards
$720
FEES
-$0
RE® value
$720
How to Apply

To apply for this offer please contact
Discover Bank

More Details
VentureOne® from Capital One®

VentureOne® from Capital One®

Bonuses & Rewards
  • 20,000 miles sign-up bonus.
  • 30,000 miles for everyday spend.
First Year Rewards
$500
FEES
-$0
RE® value
$500
How to Apply

To apply for this offer please contact
Capital One®

More Details
Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Bonuses & Rewards
  • 0 cashback sign-up bonus.
  • 0 cashback for everyday spend.
First Year Rewards
$0
FEES
-$0
RE® value
$0
How to Apply

To apply for this offer please contact
Citibank

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
How to Apply

To apply for this offer please contact
Barclaycard

More Details
Discover it® - Cashback Match™

Discover it® - Cashback Match™

Bonuses & Rewards
  • match all the rewards at the end of first year
  • $240 for everyday spend.
First Year Rewards
$480
FEES
-$0
RE® value
$480
How to Apply

To apply for this offer please contact
Discover Bank

More Details
QuicksilverOne® Cash Rewards Credit Card

QuicksilverOne® Cash Rewards Credit Card

Bonuses & Rewards
  • $0 sign-up bonus.
  • $360 for everyday spend.
First Year Rewards
$360
FEES
-$39
RE® value
$321
How to Apply

To apply for this offer please contact
Capital One®

More Details
Venture® Rewards Credit Card

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
How to Apply

To apply for this offer please contact
Capital One®

More Details
Barclaycard CashForward™ World Mastercard®

Barclaycard CashForward™ World Mastercard®

Bonuses & Rewards
  • $200 sign-up bonus.
  • $360 for everyday spend.
First Year Rewards
$560
FEES
-$0
RE® value
$560
How to Apply

To apply for this offer please contact
Barclaycard

More Details
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
How to Apply

To apply for this offer please contact
Chase Bank

More Details
Premier Rewards Gold Card from American Express

Premier Rewards Gold Card from American Express

Bonuses & Rewards
  • 25,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$987
FEES
-$0
RE® value
$987
How to Apply

To apply for this offer please contact
American Express

More Details
Citi ThankYou® Preferred Card

Citi ThankYou® Preferred Card

Bonuses & Rewards
  • 0 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$240
FEES
-$0
RE® value
$240
How to Apply

To apply for this offer please contact
Citibank

More Details
Starwood Preferred Guest® Credit Card from American Express

Starwood Preferred Guest® Credit Card from American Express

Bonuses & Rewards
  • 25,000 Starpoints® sign-up bonus.
  • 24,000 Starpoints® for everyday spend.
First Year Rewards
$941
FEES
-$0
RE® value
$941
How to Apply

To apply for this offer please contact
American Express

More Details
Chase Freedom® Card

Chase Freedom® Card

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

To apply for this offer please contact
Chase Bank

More Details
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
How to Apply

To apply for this offer please contact
Chase Bank

More Details
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
How to Apply

To apply for this offer please contact
American Express

Bank of America® Cash Rewards™ Credit Card

Bank of America® Cash Rewards™ Credit Card

Bonuses & Rewards
  • $150 sign-up bonus.
  • $240 for everyday spend.
First Year Rewards
$390
FEES
-$0
RE® value
$390
How to Apply

To apply for this offer please contact
Bank of America

More Details
Discover it® Chrome Card

Discover it® Chrome Card

Bonuses & Rewards
  • match all the rewards at the end of first year
  • $240 for everyday spend.
First Year Rewards
$480
FEES
-$0
RE® value
$480
How to Apply

To apply for this offer please contact
Discover Bank

More Details
Citi® Double Cash Card

Citi® Double Cash Card

Bonuses & Rewards
  • $0 sign-up bonus.
  • $480 for everyday spend.
First Year Rewards
$480
FEES
-$0
RE® value
$480
How to Apply

To apply for this offer please contact
Citibank

More Details
Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card

Bonuses & Rewards
  • 20,000 points sign-up bonus.
  • 36,000 points for everyday spend.
First Year Rewards
$560
FEES
-$0
RE® value
$560
How to Apply

To apply for this offer please contact
Bank of America

Hilton Honors™ Card from American Express

Hilton Honors™ Card from American Express

Bonuses & Rewards
  • 50,000 points sign-up bonus.
  • 72,000 points for everyday spend.
First Year Rewards
$390
FEES
-$0
RE® value
$390
How to Apply

To apply for this offer please contact
American Express

More Details
Wells Fargo Visa Signature® Card

Wells Fargo Visa Signature® Card

Bonuses & Rewards
  • 20,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$657
FEES
-$0
RE® value
$657
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Bank of America® Travel Rewards credit card for Students

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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 DDiscover — 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,Premier Rewards Gold Card from American Express, 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® 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.

  • 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® - 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 from American Express. 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® Chrome for Students.

  • 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 Platinum Card® from American Express, Chase Sapphire Reserve℠, Citi Prestige® Card, U.S. Bank Altitude™ Reserve Visa Infinite® Card, Delta Reserve Credit Card, 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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