Apply Pay™ Ready Credit Cards

The following cards from our partners are Apple Pay compatible and provide a secure and easy method to process payments directly from your iPhone®.

See offers from our partners below.

Summary

Best Apple Pay credit cards of 2018

REDEEM POINTS FOR MILES & FLIGHTS

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

7,800 Reviews

Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Chase's Secure Site

At A Glance

Annual Fee
$95, waived first year
Balance Transfer Intro APR
N/A
Regular APR
17.74% - 24.74% variable

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Highlights

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

Rates & Fees

Annual Fee
$0 Intro for the First Year, then $95
Intro Purchase APR
N/A
Regular APR
17.74% - 24.74% Variable
Intro Balance Transfers APR
N/A

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BankAmericard® credit card

BankAmericard® credit card

13,255 Reviews

Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Bank of America's Secure Site

At A Glance

Annual Fee
$0
Balance Transfer Intro APR
0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days
Regular APR
14.99% - 24.99% variable

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Highlights

  • New Offer: 0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.99% - 24.99% Variable APR. 3% fee (min $10) applies to 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

Annual Fee
$0
Intro Purchase APR
0% Introductory APR on purchases for 18 billing cycles
Regular APR
14.99% - 24.99% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days

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Chase Freedom®

Chase Freedom®

14,854 Reviews

Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Chase's Secure Site

At A Glance

Annual Fee
$0
Balance Transfer Intro APR
0% Intro APR on Balance Transfers for 15 months
Regular APR
16.74% - 25.49% variable

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Highlights

  • 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

Rates & Fees

Annual Fee
$0
Intro Purchase APR
0% Intro APR on Purchases for 15 months
Regular APR
16.74% - 25.49% Variable
Intro Balance Transfers APR
0% Intro APR on Balance Transfers for 15 months

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Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card

11,756 Reviews

Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Bank of America's Secure Site

At A Glance

Annual Fee
$0
Balance Transfer Intro APR
N/A
Regular APR
16.99% - 24.99% variable

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Highlights

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • New Offer: 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 16.99% - 24.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%

Rates & Fees

Annual Fee
$0
Intro Purchase APR
0% Introductory APR on purchases for 12 billing cycles
Regular APR
16.99% - 24.99% Variable APR on purchases and balance transfer
Intro Balance Transfers APR
N/A

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Bank of America® Cash Rewards credit card

Bank of America® Cash Rewards credit card

43,662 Reviews

Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Bank of America's Secure Site

At A Glance

Annual Fee
$0
Balance Transfer Intro APR
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
Regular APR
15.24% - 25.24% variable

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Highlights

  • No annual fee
  • New Offer: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 15.24% - 25.24% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store

Rates & Fees

Annual Fee
$0
Intro Purchase APR
0% Introductory APR on purchases for 12 billing cycles
Regular APR
15.24% - 25.24% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days

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Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

9,755 Reviews

Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Capital One's Secure Site

At A Glance

Annual Fee
$95, waived first year
Balance Transfer Intro APR
N/A
Regular APR
14.74% - 24.74% variable

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Highlights

  • 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; 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
  • 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

Rates & Fees

Annual Fee
$0 intro for first year; $95 after that
Intro Purchase APR
N/A
Regular APR
14.74% - 24.74% (Variable)
Intro Balance Transfers APR
N/A

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Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

See Rates & Fees , Terms Apply

Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at American Express's Secure Site

At A Glance

Annual Fee
$95
Balance Transfer Intro APR
0% on Balance Transfers for 12 months
Regular APR
14.99% - 25.99% variable

See Rates & Fees , Terms Apply

Show Less

Highlights

  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms Apply.

Rates & Fees

Annual Fee
$95
Intro Purchase APR
0% on Purchases for 12 months
Regular APR
14.99%-25.99% Variable
Intro Balance Transfers APR
0% on Balance Transfers for 12 months

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Capital One® VentureOne® Rewards Credit Card

Capital One® VentureOne® Rewards Credit Card

6,025 Reviews

Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Capital One's Secure Site

At A Glance

Annual Fee
$0
Balance Transfer Intro APR
N/A
Regular APR
13.74% - 23.74% variable

Show Less

Highlights

  • 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; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% 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

Rates & Fees

Annual Fee
$0
Intro Purchase APR
0% intro on purchases for 12 months
Regular APR
13.74% - 23.74% (Variable)
Intro Balance Transfers APR
N/A

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Starwood Preferred Guest® Credit Card from American Express

Starwood Preferred Guest® Credit Card from American Express

See Rates & Fees , Terms Apply

Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at American Express's Secure Site

At A Glance

Annual Fee
$95, waived first year
Balance Transfer Intro APR
N/A
Regular APR
17.74% - 26.74% variable

See Rates & Fees , Terms Apply

Show Less

Highlights

  • Earn 75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 6 points for each dollar of eligible purchases at participating SPG® and Marriott Rewards® hotels and 2 points on all other eligible purchases.
  • No Foreign Transaction Fees on International purchases.
  • Receive 1 Free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 35,000 points) at a participating hotel. Select hotels have resort fees.
  • Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • $0 introductory annual fee for the first year, then $95.
  • Terms Apply.

Rates & Fees

Annual Fee
$0 introductory annual fee for the first year, then $95.
Intro Purchase APR
N/A
Regular APR
17.74%-26.74% Variable
Intro Balance Transfers APR
N/A

View All Card Details

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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

Updated: October 9, 2018

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:

What is Apple Pay?

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.

There are dozens of retailers that accept Apple Pay, ranging from Trader Joe's and Starbucks (of course) to Walgreens and McDonald's.

Apple Pay has dramatically increased its reach in the last 3 years. Here is how it has increased just in the last year:

Global Apple Pay users...

  •  8%
  • 62 million users, end of 2016
  •  16%
  • 127 million users, end of 2017

Of those...

  •  11%
  • International accounts, or 89 million
  •  5%
  • U.S. accounts, or 38 million
  • Source: LoupVentures roundup

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...

  •  48.9%
  • I'm satisfied with my current payment methods
  •  22.6%
  • I'm not familiar with how Apple Pay works
  •  21.8%
  • I'm concerned about its security
  •  2.2%
  • I haven't heard of Apple Pay before this survey
  •  1.6%
  • I tried to register a card with Apple Pay but it didn't work
  •  2.8%
  • Other
  • Source: Pymnts.com survey

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:

  1. Your eligible device
  2. A card from a participating issuer
  3. The latest version of iOS, watchOS or macOS
  4. 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:

  1. Go to Wallet and tap +.
  2. 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.
  3. 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.
  4. After your bank or issuer verifies your card, tap Next. Then you're ready!

Pro tip: maximize rewards with mobile wallet purchases

Card issuers want to be your card of choice when you use your mobile wallet, so they might have rewards or features to entice you to make their card your default. Here are 3 cards with rewards for use on a mobile wallet:

  • Chase Freedom – 5 percent cash back on up to $1,500 in combined purchases in quarterly categories during the second three months of 2018, including purchases made using Chase Pay, PayPal and grocery stores. Activation required. No annual fee.
  • U.S. Bank Altitude Reserve Visa Infinite – 3X points for every $1 on eligible travel purchases and mobile wallet spending, which beats the 1 point for every $1 cardholders earn on all other purchases. $400 annual fee.
  • Wells Fargo Cash Wise – 1.8 percent cash rewards on qualified Android Pay or Apple Pay mobile 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:

Who prefers mobile payments...

  •  25%
  • Of Millennials
  •  11%
  • Of Generation X
  •  5%
  • Of Baby Boomers
  •  35%
  • Of affluent consumers
  •  19%
  • Of all consumers
  • Source: Cardtronics Health of Cash study


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 laura.mohammad@creditcards.com and on Twitter @creditcards_lm.


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