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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.

apple pay
The new Apple Sanlitun sits adjacent to the previous location on Taikoo Li’s open square in China. Credit: Apple

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.

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

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.

However, if you are wanting to earn a few more miles on travel, good news—earn 5x miles on hotels and rental cars booked through Capital One Travel. Plus, Venture cardholders will earn 5x miles when booking through the Turo app or on Turo.com (through May 16, 2023). 

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.

New Capital One Venture Rewards Credit Card cardholders can earn 75,000 miles after spending $4,000 on purchases in the first 3 months. This is equal to $750 in travel. 

Learn more: Travel 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.

Plus, your points are worth 50% more when redeemed as a statement credit for purchases on select, rotating categories. This is possible with the Chase Pay Yourself Back feature and is available through March 31, 2022.

The Sapphire Reserve offers these ongoing benefits:

  • $300 annual travel credit
  • 50% travel redemption bonus for select award travel bookings
  • 1:1 point transfers to airlines and hotels
  • Global Entry or TSA PreCheck application fee credit

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.

New Chase Sapphire Reserve® cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when redeemed through Chase Ultimate Rewards®.

The annual fee for the Chase Sapphire Reserve® is $550.

Related: Best Credit Cards for Everyday Spending

American Express Gold Card

The American Express® Gold Card does a fine job of balancing travel and lifestyle purchase rewards.

It earns 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earns 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Plus, earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com.

Another perk is the ability to earn up to $10 in statement credits on a monthly basis when you use your Gold Card to pay at the following dining establishments (enrollment is required):

  • Grubhub
  • The Cheesecake Factory
  • Goldbelly
  • Wine.com
  • Milk Bar
  • Shake Shack (only at participating locations)

This perk can save you up to $120 annually.

Your points are most valuable when booking award flights or redeeming gift cards. You can also transfer your points at a 1:1 ratio to multiple airline and hotel partners.

The annual fee is $250 and there are no foreign transaction fees (See Rates & Fees).

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. Cardholders can choose between Gold or Rose Gold. Terms apply.

Learn more: Johnny Jet Recommended Credit Cards

The 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% cash back at U.S. supermarkets, up to $6,000 per year in purchases (then 1%)
  • 6% cash back on select U.S. streaming subscriptions
  • 3% cash back on transit, including taxis/rideshare, parking, tolls, trains, buses, and more
  • 3% cash back at U.S. gas stations
  • 1% cash back on other purchases

Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Cardholders can also enjoy $0 plan fees when using Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.

The welcome bonus is the ability to earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. There is a $95 annual fee (See Rates & Fees).

Learn more: Cash Back Credit Cards

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® Card or the Chase Sapphire Reserve to earn bonus points on purchases besides dining and travel.

Chase Freedom Flex cardholders earn:

  • 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

The Chase Freedom Flex 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.

Related: Chase Freedom Flex Review

Apple Card

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.

Related: Best Credit Cards for Apple Purchases

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.

FAQs

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.

Related Articles:

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.

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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 benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x 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.
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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.

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