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Are you making more contactless payments more than before? The answer for most of us is a resounding Yes. If you own an iPhone®, iPad® or MacBook®, you can pay for purchases using the Apple Pay® app. These credit cards can help you earn the most rewards for Apple Pay purchases at local and online stores.
Another advantage of using Apple Pay is for additional security measures to prevent credit card fraud. You can use Face ID® or Touch ID® to authorize transactions. This digital wallet also doesn’t store your credit card information and uses a device-specific code to avoid sharing your card information with merchants.
Capital One Venture Rewards Credit Card
The Capital One® Venture® Rewards Credit Card is one of the best overall travel credit cards. You earn 2 miles per $1 on every purchase whether you pay with Apple Pay or your physical card. Plus, your Uber Eats purchases earn 5 miles per $1 through January 31, 2021.
You can redeem your Venture Miles for travel statement credits, miles and hotel point transfers, cash back, gift cards, or Amazon shopping credits.
In addition to the Apple Pay security features like Touch ID or Face ID, Capital One provides virtual card numbers. These numbers use an alternate card ID to pay for online purchases.
One additional Capital One Venture Card card benefit you may appreciate is a fee credit of up to $100 for Global Entry or TSA PreCheck. Now that more people are flying than this spring, the security lines can be quite long again. TSA PreCheck and Global Entry can help you avoid those long lines.
The annual fee for this card is $95. New cardholders can earn a 100k mile bonus by spending $20,000 on purchases in the first 12 months from account opening, or earn 50,000 miles if you spend $3000 on purchases in the first 3 months.
Learn more: Rewards Credit Cards
Chase Sapphire Reserve
Now might seem like a crazy time to have a premium travel credit card but the Chase Sapphire Reserve® can be worth it. One reason why is that Chase Ultimate Rewards are some of the most valuable credit card points this year. Chase is also making it easy to earn bonus Ultimate Rewards and redeem your points and travel benefits for lifestyle purchases.
Some limited-time Chase Sapphire Reserve Instacart benefits including earning 5x points on the first $3,000 spent on Instacart purchases and 10x points on the first $1,500 spent on select streaming services. Cardholders also earn 5x points at gas stations on the first $1,500 spent. This promotion is available through September 30, 2020, and is automatic. Cardholders don’t have to worry about enrolling.
Plus, your points are worth 50% more when redeemed as a statement credit for grocery stores, gas stations, and home improvement store purchases. This is possible with the Chase Pay Yourself Back feature.
The Sapphire Reserve offers these ongoing benefits:
- Earn 3x Ultimate Rewards on dining
- Earn 3x Ultimate Rewards on travel, immediately after earning the $300 travel credit
- 50% travel redemption bonus for select award travel bookings
- 1:1 point transfers to airlines and hotels
- $300 annual travel credit
- Global Entry or TSA PreCheck application fee credit
- One year of free DoorDash DashPass and Lyft Pink membership
- Up to $120 in DoorDash statement credits ($60 in 2020 and $60 in 2021)
New cardmembers can qualify for a 50,000-point signup bonus ($750 in award travel) by spending $4,000 in the first 3 months. The annual fee for the Chase Sapphire Reserve® is $550.
American Express Gold Card
The American Express® Gold Card does a fine job of balancing travel and lifestyle purchase rewards.
- 4x Membership Rewards at US supermarkets (on the first $25,000 per year, then 1x back)
- 4x Membership Rewards at restaurants, including takeout and delivery
- 3x Membership Rewards on flights you book directly from the airline or on AmexTravel.com
- 1x Membership Rewards for every non-bonus purchase
- Up to $120 in annual dining credits (up to $10 per month with Grubhub, Seamless and others)
- $100 annual airline fee credit for incidental fees at one qualifying airline
- $100 on-site amenity credit for The Hotel Collection bookings
Your points are most valuable when booking award flights or redeeming for gift cards. You can also transfer your points at a 1:1 ratio to multiple airline and hotel partners.
The annual fee is $250 (See Rates & Fees). You can also earn a one-time welcome offer of 35,000 Membership Rewards ($350 value) by spending $4,000 in the first 3 months.
Learn more: Johnny Jet Recommended Credit Cards
Blue Cash Preferred Card from American Express
The Blue Cash Preferred® Card from American Express is one of the best credit cards for grocery stores and other daily spending.
- 6% back at US supermarkets (on the first $6,000 annually, then 1% back)
- 6% back on select US streaming services
- 3% back on transit and rideshares
- 3% back at US gas stations
- 1% back on all other purchases
Amex redeems your cash as a monthly statement credit.
Related: Best Credit Cards for Groceries
Citi Double Cash Card
One of the best flat-rate cash rewards credit cards is the Citi® Double Cash Card. You get up to 2% back on every purchase (1% back when you buy, then 1% when you pay for your purchase). There is no limit to how many purchases can earn up to 2% back.
Citi Double Cash cardholders can redeem rewards for statement credits, bank deposits, and paper checks. There is no annual fee either, which makes this a handy card for many wallets.
Related: Best No Annual Fee Credit Cards
Wells Fargo Cash Wise Visa Card
The information for the Wells Fargo Cash Wise Visa® Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
The Wells Fargo Cash Wise Visa® Card is another attractive flat-rate cash rewards card. For a limited time, you can earn 1.8% back on qualifying digital wallet payments, including Apple Pay, for the first 12 months (known as the 20% mobile wallet bonus). All remaining purchases earn 1.5% back.
Few cards offer digital wallet payment bonuses versus a few years ago as digital wallet payments are more common. This card has no annual fee. The signup bonus is $150 bonus cash by spending $500 in the first 3 months.
Chase Freedom Flex
The Chase Freedom Flex℠ can also be a good addition to your wallet, especially if you have the Chase Sapphire Preferred® or the Chase Sapphire Reserve to earn bonus points on purchases besides dining and travel.
You earn 5% back (5 Ultimate Rewards per $1) on the first $1,500 in quarterly bonus categories. Cardholders also earn 5% cash back on travel purchases in the Chase Ultimate Rewards portal, 3% cash back on restaurants, including takeout and delivery services, 3% cash back on drugstore purchases, and 1% cash back on everything else.
You can use the Freedom Flex to get 5% back on the bonus categories and use your other rewards credit cards to earn bonus points on other expenses.
The Chase Freedom Flex card doesn’t have an annual fee. You have the opportunity to earn a $200 signup bonus by spending $500 in the first 3 months. Your first $12,000 in grocery purchases (excluding Target and Walmart) earn 5% back during the first 12 months.
Related: Chase Freedom Flex Review
The information for the Apple Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
One of the more exciting cards for Apple fans can be the Apple Card. This card is a natural fit for Apple Pay purchases but can be used for other payment methods too, including dipping your EMV chip.
You can earn these cash rewards:
- 3% back on Apple Store, App Store, iTunes, Apple Music, and other Apple-owned purchases
- 2% back on Apple Pay purchases
- 1% back for everything else
It’s possible to request daily cashouts and get statement payment reminders.
This Goldman Sachs issued card has no annual fee or signup bonus. You will need to apply for the card through your iPhone in the “Wallet” app.
Summary of the Best Credit Cards To Use With Apple Pay
Apple Pay can be the easiest way to pay for local and online purchases if you’re part of the Apple ecosystem. Contactless payments and digital wallet payments make it easy to choose the best credit card for your purchase so that you can maximize rewards. Plus, it helps you avoid having to pull out your cards and keeps you safe through contactless payments.
What credit cards can you use with Apple Pay?
Most bank and credit union credit cards (and debit cards) work with Apple Pay. Each credit card from the national banks are Apple Pay-compatible:
If you’re getting a card from a local bank or credit union, you should call customer service to see if they support Apple Pay. You can also check this list as digital payments are a popular and growing payment trend.
Does Apple Pay build credit?
Apple Pay is a digital wallet and doesn’t directly improve your credit. Neither will using Google Pay, PayPal, or other digital payment apps. However, paying your credit card balance in full each month and keeping your card utilization 30% or less than your total credit limit can build your credit score.
Can I use Apple Pay on Amazon?
Amazon currently doesn’t accept Apple Pay digital wallet payments. You must enter your credit card information manually. However, most national retailers and a growing number of small businesses accept Apple Pay. Even the New York City Metropolitan Transportation Authority (MTA) and Portland’s Hop Fastpass accept “Express Transit” Apple Pay payments.
Expect to see more acceptance of digital payments as it is an easy and safe way that reduces contact with surfaces (especially important during a pandemic). You will know if a merchant accepts Apple Pay as you will see the Apple Pay logo.
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For rates and fees of The American Express® Gold Card, please click here.
For rates and fees of The Blue Cash Preferred® Card from American Express, please click here.
Chase Sapphire Preferred® Card
- Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
- 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 toward travel.
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. 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.
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.