CreditCards.com is an independent, advertising-supported comparison service. The offers that appear on this site
are from companies from which CreditCards.com receives compensation. This compensation may impact how and
where products appear on this site, including, for example, the order in which they may appear within listing
categories. Other factors, such as our own proprietary website rules and the likelihood of applicants'
credit approval also impact how and where products appear on this site. CreditCards.com does not include
the entire universe of available financial or credit offers.
0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.74% - 24.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
No annual fee
No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
Access your FICO® Score for free within Online Banking or your Mobile Banking app
Rates & Fees
Intro Purchase APR
0% Introductory APR on purchases for 18 billing cycles
14.74% - 24.74% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.74% - 25.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
No expiration on rewards
If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
Rates & Fees
Intro Purchase APR
0% Introductory APR on purchases for 15 billing cycles
15.74% - 25.74% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
Earn 30,000 bonus miles after you use your new Card to make $1,000 in purchases within your first 3 months and a $50 Statement Credit after you make a Delta purchase with your new Card within your first 3 months.
Earn 2 miles on every eligible dollar spent on purchases made directly with Delta.
Earn 1 mile for every eligible dollar spent on purchases.
Check your first bag free on Delta flights – that’s a savings of up to $240 for a family of 4 roundtrip.
Receive Main Cabin 1 Priority Boarding on Delta flights, stow your carry-on bag and settle in sooner.
Enjoy a $0 introductory annual fee for the first year, then $95.
Rates & Fees
$0 introductory annual fee for the first year, then $95.
Editorial disclosure: All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.
Comparing the Best Apple Pay Compatible Credit Cards
By: Laura Mohammad
Updated: January 1, 2019
Some say the future of payments is with mobile wallets, and Apple Pay is at the forefront. With Apple Pay, you can use your Apple devices to pay for charges through apps, online or in stores. It's uber convenient and safe, and there are even cards that reward you for using your mobile wallet (more on that later). Want to know more about Apple Pay? Here, we look at:
Apple Pay works with your Apple devices to allow you to pay for purchases through those devices. You can pay online, at shops or through apps. You simply load in your favorite cards – in some cases up to 12 – and you're ready to go. You can load credit cards or debit cards.
You can also send and receive money, using messages or by asking Siri. When you receive money, it goes to Apple Pay Cash, which is in the Wallet app. You can use the cash immediately. You can also transfer your balance to your bank account.
Apple Pay is touted as safe in part because you card number isn't stored on your device or in Apple servers, and it isn't shared with merchants. Apple Pay uses a number that is specific to the device and there is a unique transaction code.
Apple Pay has dramatically increased its reach in the last 3 years, with 31% of all iPhone users estimated to have used Apple Pay at least once in the past year. Here is how adoption has increased over time:
Global Apple Pay users...
62 million users, end of 2016
127 million users, end of 2017
253 million users, late 2018
Apple Pay usage has been increasing among international iPhone owners at an especially fast rate. Of the current estimated 253 million users, 85% are international while 15% are in the U.S.
How to set up Apple Pay
A surprising number of iPhone users haven't checked out Apple Pay because they didn't know how it works. In a December 2017 study by Pymnts.com, those consumers were actually the second highest group, with 22.6 percent saying they weren't familiar with how it works.
Reasons people have not used Apple Pay...
I'm satisfied with my current payment methods
I'm not familiar with how Apple Pay works
I'm concerned about its security
I haven't heard of Apple Pay before this survey
I tried to register a card with Apple Pay but it didn't work
Curious, but not sure how Apple Pay works? We turned to the experts to get to the bottom of it.
Setting up Apple Pay
You will need:
Your eligible device
A card from a participating issuer
The latest version of iOS, watchOS or macOS
An Apple ID signed into iCloud
Apple says that if you plan to use multiple devices, you will need to add your card to each device. Apple reports that you add up to 12 cards on some devices, 8 cards on older models. Below, we show instructions for adding a card to your iPhone, courtesy of Apple:
Go to Wallet and tap +.
Follow the steps to add a new card. If you're asked to add the card that you use with iTunes, cards on other devices, or cards that you've recently removed, choose them, then enter the card security codes.
Tap Next. Your bank or card issuer will verify your information and decide if you can use your card with Apple Pay. If your bank or issuer needs more information to verify your card, they'll ask you for it. When you have the information, go back to Wallet and tap your card.
After your bank or issuer verifies your card, tap Next. Then you're ready!
Pro tip: maximize rewards with mobile wallet purchases
Chase Freedom – 5 percent cash back on up to $1,500 in combined purchases in quarterly categories. Activation required. No annual fee.
Wells Fargo Cash Wise Visa® card – 1.8 percent cash rewards on qualified Google Pay or Apple Pay digital wallet net purchases during the first 12 months from account opening. That is better than the 1.5 percent cash rewards on all purchases with the card. No annual fee.
But who are the users of mobile payments? Cardtronics found that mobile-payment consumers tend to skew young and affluent. Here's what it found:
Laura is an editor and writer at CreditCards.com. She has written extensively on all things credit cards and works to bring you the most up-to-date analysis and advice. Laura's work has been cited in such publications as the New York Times and Associated Press. You can reach her by e-mail at firstname.lastname@example.org and on Twitter @creditcards_lm.
Join the Discussion
We encourage an active and insightful conversation among our users. Please help us keep
our community civil and respectful. For your safety, we ask that you do not disclose confidential or personal
information such as your bank account number, phone number, or email address. Keep in mind that anything you
post may be disclosed, published, transmitted or reused.
The comments posted below are not provided, reviewed or approved by the card issuers or
advertisers. Additionally, the card issuer or advertiser does not assume responsibility to ensure that all posts
and/or questions are answered.