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Contactless payments are not only convenient and secure, they are a way to stay safe during a global pandemic and avoid coming into contact with heavily used machines. While paying contactless may not be the same status symbol as metal credit cards, it’s still pretty impressive. To use this payment technology while earning the most rewards points, consider adding one of the best contactless credit cards to your wallet.

best contactless credit cards
You can use one of the best contactless credit cards with a Square contactless chip reader, like this one on the counter. Credit: Square

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Editor’s Note: Some of the offers below may have expired or are no longer available on our site. 

The Best Contactless Credit Cards

It’s possible you may already own one of the following contactless cards listed below. If your current card isn’t contactless but does have contactless options, the bank should replace it when your current card expires. If you can’t wait, you may request a replacement sooner as well.

Most contactless credit cards are best for earning travel rewards, but there are several cash back cards too. Fortunately, there are plenty of options that will likely be good for you, depending on your financial habits and goals.

Chase Sapphire Reserve

All Chase Visa credit cards allow contactless payments. The most luxurious of them is the Chase Sapphire Reserve®. If you love to travel, the Sapphire Reserve is for you. You will enjoy these travel benefits:

Gas station and grocery store purchases will also count towards earning the annual $300 travel credit, through December 31, 2021. 

Plus, earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

Chase Sapphire Reserve cardholders earn 10x points on Lyft rides, including bikes and scooters. Complimentary Lyft Pink Membership is also available when activated by March 21, 2022.

Your points are most valuable when booking award travel and are easily worth at least 1.5 cents each. Some of the best transfer partners include Southwest Airlines, United Airlines, Emirates, and the World of Hyatt.

Additional Sapphire Reserve Perks

Cardholders can also earn up to $120 in statement credits on Peloton Digital and All-Access Memberships through December 31, 2021. 

This is in addition to the complimentary DoorDash DashPass subscription that lets cardholders get unlimited deliveries with a $0 delivery fee and reduced service fees. They also earn up to $120 in statement credits on DoorDash purchases ($60 in statement credits through 2020 and another $60 in statement credits through 2021).

Points are worth 50% more when redeemed for statement credits against existing purchases in select, rotating categories with the Chase Pay Yourself Back feature.

New Chase Sapphire Reserve® cardmembers can earn 50,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening, worth $750 towards travel when redeemed through Chase Ultimate Rewards®. 

The annual fee is $550 but can be offset by the many perks.

Chase Sapphire Preferred Card

The Chase Sapphire Preferred® Card is the Sapphire Reserve’s little brother. It doesn’t have premium travel benefits but you still get several trip insurance benefits and primary rental car insurance. The annual fee is also $95.

Your points are worth 25% more when booking award travel and you can also transfer them to Chase travel partners on a 1:1 basis.

Also, enjoy new Chase Sapphire benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x points on travel purchased through Chase Ultimate Rewards®, 3x points on dining, and 2x points on all other travel purchases, plus more.

Chase Sapphire Preferred benefits include unlimited deliveries with no delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with a DoorDash DashPass subscription. Activate your card by December 31, 2021.

Cardholders also earn 5x points on Lyft rides, through March 2022. 

Additional Sapphire Preferred Benefits

Additionally, cardholders can earn up to $60 in statement credits on Peloton Digital and All-Access Memberships through December 31, 2021.

Points are worth 25% more when redeemed for statement credits against existing purchases in select, rotating categories with the Chase Pay Yourself Back feature.

The Chase Sapphire Preferred® Card currently has an offer of 60,000 Ultimate Rewards points after spending $4,000 in the first 3 months from account opening, worth $750 when you redeem through Chase Ultimate Rewards®.

Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card is one of the best cards for earning travel miles. You earn unlimited 2 miles for every $1 spent regardless of the purchase category. Your Venture miles are redeemable for travel statement credits, future travel, and transfers to airline partners.

Capital One also credits your application fee for Global Entry or TSA PreCheck. You can learn more about this fee credit and other Venture Rewards benefits through the in-depth Capital One Venture Card Review.

New Capital One Venture Rewards Credit Card cardholders can earn 60,000 miles after spending $3,000 on purchases in the first 3 months.

Learn more: Travel Rewards Credit Cards

Like the Chase Sapphire Preferred, the Venture Rewards annual fee is $95 and there are no foreign transaction fees. Read our Capital One Venture vs Chase Sapphire Preferred comparison to learn which option might be the better choice for you.

The Platinum Card® from American Express has an Equinox benefit. Credit: American Express

The Platinum Card from American Express

The Platinum Card® from American Express is another top contender for the best contactless credit card for premium travel rewards. It’s an awesome option for frequent flyers for these reasons:

  • 1:1 airline and hotel points transfers
  • Global Lounge Collection access (Centurion, Priority Pass (enrollment required), Delta Sky Club, and others!)
  • Global Entry or TSA PreCheck fee credit
  • Terms apply

There are many other little-known Platinum Card benefits you may enjoy. Your points are most valuable when booking award flights. Some of the best airline transfer partners are Delta, British Airways, and Emirates.

Cardholders earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel, up to $500,000 on these purchases per calendar year, and earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel.

Cardholders can get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when paying with their Platinum Card®.

Also, get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.

If you ride Uber or use Uber Eats, this credit will make you happy. Cardholders can enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Members only.

Plus, American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.

Terms apply. Enrollment may be required.

Other Platinum Card from American Express Benefits

There’s also a new digital entertainment credit. Cardholders can get up to $20 in statement credits each month when you pay for eligible purchases with The Platinum Card® from American Express at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.

In addition to enjoying TSA PreCheck or Global Entry access, cardholders can also enjoy CLEAR perks. Cardholders can use their Card and get up to $179 back per year on their CLEAR® membership. Terms apply.

Another exciting new benefit is the ability for cardholders to enjoy up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. This amounts to up to $300 annually. Enrollment required. 

There is also a $155 Walmart+ credit to enjoy. This covers the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.

Get the full details and learn more in our in-depth The Platinum Card from American Express review.

The annual fee is $695 (See Rates & Fees) but can be offset with the perks, which are valued at over $1,400. 

Welcome Bonus

New The Platinum Card® from American Express cardmembers can earn 100,000 Membership Rewards® Points after spending $6,000 on purchases on the Card in the first 6 months of Card Membership. New cardholders also earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership. Terms apply. 

Learn more: Johnny Jet Recommended Credit Cards 

American Express Gold Card

Look at the American Express® Gold Card to maximize lifestyle purchases.

The American Express Gold Card earns unlimited 4x Membership Rewards points on dining (including delivery and takeout). Cardholders also earn 4x points at U.S. supermarkets (up to $25,000 annually, then 1x). Cardholders also earn 3x points on flights booked directly with airlines or on amextravel.com (1x for all remaining purchases).

You can book award flights through AmexTravel or transfer them to the 1:1 Membership Rewards transfer partners with the American Express Gold Card. Key card benefits include up to $120 in dining credits (enrollment required). The annual fee is $250 and there are no foreign transaction fees (See Rates & Fees).

Terms apply.

Uber Perks

American Express® Gold Card cardholders can also get up to $120 in Uber Cash annually. Plus, you’ll earn 4x Membership Rewards® points for each Uber Eats purchase on your card. To use this perk, simply add your card to your Uber account and you’ll automatically get $10 in Uber Cash each month in your Uber account for U.S. Uber Eats orders or U.S. Uber rides. Any unused Uber Cash expires at the end of each month (it does not roll over to the next month).

Cardholders also get up to 12 complimentary months of Eats Pass when you subscribe with your American Express Gold Card. That’s a value of up to $119 annually (based on the $9.99 monthly price over 12 months). With the Uber Eats Pass, you can get unlimited $0 Delivery Fees and 5% off orders over $15 at eligible restaurants. Note that taxes and service fees may apply and do not count toward the order minimum.

This benefit applies only in the U.S. on U.S. orders at eligible restaurants and on eligible restaurant purchases.

Enrollment is required by 12/31/2021. After that, the Uber Eats Pass will begin auto-billing 12 months after your enrollment in this offer, at the then-current monthly price. Learn more about the Uber Eats partnership for more information.

New American Express® Gold Card cardholders can earn 60,000 Membership Rewards points after spending $4,000 on eligible purchases within the first 6 months. Also, Rose Gold is back! Cardholders can choose between Gold or Rose Gold. 

Terms apply.

Learn more: Johnny Jet Recommended Credit Cards

Southwest Rapid Rewards Priority Card

The Southwest Rapid Rewards® Priority Credit Card is the most benefit-packed Southwest credit card. Each point you earn also counts toward getting the annual Southwest Companion Pass®. Cardholders earn unlimited:

  • 3x points on Southwest® purchases
  • 2x points on local transit and commuting, including rideshares
  • 2x points on internet, cable, phone services, and select streaming purchases

New cardholders can earn the best Southwest points offer ever! New cardholders can earn up to 100,000 bonus points. Earn 50,000 bonus points after spending $2,000 on purchases in the first 3 months your account is open, plus 50,000 more bonus points after spending $12,000 total on purchases in the first 12 months.

Priority card travel perks include a $75 Southwest annual travel credit, up to 4 Upgraded Bookings per year, and 7,500-anniversary points. Additionally, get 25% back on inflight purchases. It is also one of the best Southwest credit cards available.

Capital One Quicksilver Cash Rewards Credit Card

If you prefer earning cash rewards, the Capital One Quicksilver Cash Rewards Credit Card earns an unlimited 1.5% back. There is no annual fee or foreign transaction fee.

New cardholders can earn a one-time $200 cash bonus after spending $500 on purchases in the first 3 months from account opening.

Learn more: Cash Back Credit Cards

Customer using Apple Pay on a Square contactless chip reader. Credit: Square

Chase Freedom Flex

The Chase Freedom Flex℠ earns up to 5% back on the first $1,500 spent on quarterly rotating bonus purchases that you activate. The Chase Freedom Flex bonus categories include:

  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate (then 1% back)
  • 5% cash back on travel purchased through Chase Ultimate Rewards®
  • 3% cash back on dining at restaurants, including takeout and eligible delivery services
  • 3% cash back on drugstore purchases
  • 1% on all other purchases

Your points are redeemable for cash, travel, and gift cards.

You can even pool your points with some of the other best Chase credit cards that earn Ultimate Rewards points to boost their value. This card doesn’t have an annual fee.

New Chase Freedom Flex℠ cardholders can earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Plus, they can earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

Related article: Read our Chase Freedom Flex review to see how your points can be worth 50% more.

Ink Business Preferred Credit Card

The Ink Business Preferred® Credit Card is one of the best contactless credit cards for business purchases. You earn 3x Ultimate Rewards points on the first $150,000 combined purchases for travel, shipping, online advertising, office supply stores, and Internet, phone and cable service.

Your points are worth 25% more when redeeming for award travel instead of cash rewards. You can also transfer them to the 1:1 Chase Ultimate Rewards transfer partners.

The Ink Business Preferred also has one of the best credit card sign up bonuses and one of the largest Ultimate Rewards signup bonuses currently worth $1,250 in award travel. You can earn 100,000 bonus Ultimate Rewards points by spending $15,000 in the first 3 months.

The annual fee is $95 and there is no foreign transaction fee.

Related: Ink Business Preferred Credit Card Review

Wells Fargo Propel American Express Card

The information related to Wells Fargo Propel American Express® Card has been collected by Johnny Jet and has not been reviewed or provided by the issuer or provider of this product or service.

The Wells Fargo Propel American Express® card is one of the best no annual fee travel credit cards. You earn unlimited 3x points on a variety of lifestyle purchases including travel, gas stations, transit, restaurants, and popular streaming services. Your points can be worth as much as 1.5 cents each when booking award flights on the Wells Fargo travel center with the Wells Fargo Propel card.

The signup bonus is 20,000 bonus points worth $200 by spending $1,000 in the first 3 months.

Summary

Chase has the most contactless credit cards but most major banks have several to offer. More retailers are accepting contactless payments. Getting your card now means you are prepared for this growing trend. Hopefully, you will have no problem finding your favorite card to earn the most valuable rewards.

Related Articles:

For rates and fees of The American Express® Gold Card, please click here

For rates and fees of The Platinum Card® from American Express, please click here.

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Chase Sapphire Preferred® Card

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  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

1 Comment On "The Best Contactless Credit Cards for Your Wallet"
  1. Bhavesh K|

    A contactless credit card comes without magnetic tape. Instead, it has a technology-embedded chip that allows you to make payments over a secure radio interface, similar to mobile wallets. Usually, contactless credit cards feature a Wi-Fi symbol.

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