Do All Credit Cards Work with Apple Pay?

Do All Credit Cards Work with Apple Pay?

January 15, 2019         Written By Bill Hardekopf

While the adoption of mobile payments has been relatively slow in the United States, many more Americans have started to use mobile wallets, such as Apple Pay. If you are thinking about making the switch to mobile payment technology, you may be wondering: do all credit cards work with Apple Pay?

While not all debit and credit cards work with Apple Pay, the vast majority do, and Apple is constantly working to make agreements with banks and card issuers to ensure more cards can be used with their devices. If you’re wondering if your credit card works with Apple Pay, the company keeps a running list of banks that are compatible on their website.

If you’re in the market for a new credit card and wondering which is the best to use with Apple Pay, you have a few options.

Capital One® Venture® Rewards 

card image
If you’re someone who often travels, it’s hard to beat the Capital One® Venture Rewards® credit card. New cardholders can earn a one-time bonus of 50,000 miles when they spend $3,000 within the first three months of opening their account, which equates to $500 in travel. All cardholders earn 2X miles on every purchase. While there is a $95 annual fee, it is waived for the first year, and cardholders get a $100 application fee credit for Global Entry or TSA Pre✓®. Additionally, there are no blackout dates or foreign transaction fees, and miles never expire.

card image
 Apply Now
The has no annual fee, and comes with a 15-month introductory period where the APR is 0% on both purchases and balance transfers. Cardholders earn 1.5% cash back on all purchases and there is no limit to the amount that can be earned. New customers will earn a $150 bonus after they spend $500 on purchases during the first three months after opening an account opening. The APR on the card is 16.49% - 25.24% Variable.

Bank of America® Cash Rewards Credit Card

card image
The Bank of America® Cash Rewards Credit Card is an outstanding cash back card. It offers 1% cash back on all purchases, but 2% on transactions made at grocery stores and at wholesale clubs, and 3% on gas, up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter. Cardholders receive a 10% bonus every time they redeem their rewards into a Bank of America® checking or savings account. If you are a Preferred Rewards client, that bonus can increase 25% to 75%. New customers can earn a $200 sign-up bonus after spending $500 in the first 90 days of being a cardholder. In addition, new applicants will get 12 billing cycles of 0% APR on both new purchases and balance transfers. The balance transfers must be completed within 60 days of account opening, and a 3% balance transfer fee applies. The card has no annual fee but there is a 3% foreign transaction fee on transactions made outside of the United States.

The Blue Business® Plus Credit Card from American Express

card image
If you are looking for an Apple Pay-compatible credit card for your business, The Blue Business® Plus Credit Card from American Express is a good option. There is no annual fee, and cardholders get 0% APR on purchases and balance transfers for the first 12 months. After that, an APR of14.74% - 20.74% Variable applies. Card members earn 2X Membership Rewards® points on everyday business purchases, such as office supplies or client dinners, up to the first $50,000 in purchases in a year. After that, all purchases earn one point per dollar.

The information contained within this article was accurate as of January 15, 2019. For up-to-date
information on any of the terms, cards or offers mentioned above, visit the issuer's website.


About Bill Hardekopf

Bill Hardekopf is the CEO of and covers the credit card industry from all perspectives. Bill has been involved with personal finance for over 15 years. He is a frequent contributor to Forbes, The Street and The Christian Science Monitor.
View all posts by Bill Hardekopf
Top Features : 2X miles on every purchase; bonus of 50,000 miles once $3,000 is spent in first 3 months
Top Features : No Annual Fee, Bonus Offer, Cash Back
Top Features : No annual fee, no penalty APR; free FICO® Score
Top Features : 0% APR for 21 months on Balance Transfers and 12 months on Purchases; no annual fee, late fee or penalty rate
Top Features : 1.5% cash back on all purchases; $150 bonus after spending $500 in first 3 months