Editor’s note: This is a recurring post, regularly updated with new information and offers.
Apple Pay launched in 2014 as the first of the mobile wallets that enabled people to connect credit cards, debit cards and bank accounts to their personal devices to send and receive money.
Of the major mobile wallet services – Google Pay, Samsung Pay and Apple Pay – Apple’s service remains the largest. In fact, a decade after its beginning, Apple Pay has accumulated an estimated 640 million users as of 2024, according to Capital One Shopping Research.
Apple Pay represents a secure payment option since the app uses Near Field Communications (NFC) to transmit an encrypted virtual account number to the point-of-sale (POS) payment terminal. When you use Apple Pay in stores, no money changes hands, and you don’t even have to touch the POS terminal to complete the transaction or sign for it.
You can also use Apple Pay to send and receive money to and from family and friends, pay at thousands of brick-and-mortar stores, as well as pay online and through many common app-based services. In this article, we will dig into everything you want to know about Apple Pay.
Related: Apple Pay chief breaks down decade of mobile wallet changes
Which banks support Apple Pay?
Apple Pay can link to thousands of banks and credit unions worldwide, with more being added constantly. More than 80 countries now have access to Apple Pay, and all major U.S. credit card providers support the payment system.
That means you can link credit cards from the following providers to your Apple Pay account to pay easily and securely through the platform:
- American Express
- Bank of America
- Barclaycard
- Capital One
- Chase
- Citi
- Discover
- Synchrony Bank
- U.S. Bank
- Wells Fargo
Smaller banks and credit unions that issue credit cards also support the service, including USAA, PNC Bank, HSBC, Fifth Third Bank, Navy Federal Credit Union, Huntington Bank, Regions Bank, Beneficial Bank, Citizens Bank, KeyBank, SunTrust, PenFed Credit Union and Alliant Credit Union.
Related: The best rewards credit cards
Where can I use Apple Pay?
You can use Apple Pay for in-app purchases on your iPhone and to pay for Apple services from the App Store, the iTunes Store, Apple Music, Books, Apple News+, Apple TV+ and iCloud.
In stores, you can use Apple Pay anywhere you see the NFC logo or the Apple Pay logo at a point-of-sale location. This includes millions of stores, restaurants and entertainment venues worldwide, from ACE Hardware and Albertsons grocery stores to Walt Disney World and Whole Foods. Apple Pay is currently accepted by more than 85% of retailers in the U.S.
You can also use Apple Pay on popular apps and online services, including Lyft, Fandango, Airbnb, GrubHub and Groupon.
Finally, use Apple Pay with the following metropolitan area transit provider apps:
- Caltrain
- MBTA
- Metrolink
- MTA Metro-North and Long Island Railroads (LIRR)
- NJ Transit
- RTC
- RTD
- Ventra (CTA, Pace, and Metra)
If you’re riding Ventra in the Chicago metro area or are using the Hop Fastpass for TriMet, C-TRAN, and Portland Streetcar rides in the Portland and Vancouver metropolitan area, you don’t need to download the transit provider app. You can use Apple Pay to tap and pay with your mobile phone instead.
Related: Best travel credit cards for travel purchases
How many cards can I add to Apple Pay?
Users with an Apple iPhone 8, 8 Plus or later, or an Apple Watch Series 3 or later can add up to 16 cards on any one device. Users with earlier versions of iPhone or Apple Watch can only add 8 cards to each device. If you have more than one mobile device, you need to add the cards to each device separately.
In certain countries, including the U.S., you can also add retail and restaurant loyalty cards, boarding passes, movie tickets, coupons and student ID cards to your Apple Wallet. In a small number of states, you can add your driver’s license and state ID to your Apple Wallet.
Related: The best credit cards for entertainment spending
What popular credit cards Can I use with Apple Pay?
With a limit of 16 credit cards, you can probably load all your cards into your Apple Wallet for easy access through your iPhone. But which one should you set as your default payment method? Which are the best credit cards to use with Apple Pay?
Since Apple Pay supports nearly every credit card in the U.S., you have plenty of choices. Some of the best cash-back credit cards and travel rewards cards are also some of the best cards to use with Apple Pay. Let’s look at a few of them below.
Chase Freedom Unlimited
An unsung hero when it comes to cash-back rewards credit cards, the Chase Freedom Unlimited® has a lucrative rewards structure. You’ll earn 5% on travel purchased through Chase Travel℠, 3% on dining (including takeout and eligible delivery services) and drugstores and 1.5% on all other purchases. Unlike the Chase Freedom Flex®, you don’t need to keep track of rotating categories.
It’s a great card to use as your default in Apple Pay because you know wherever you shop and whatever you buy, you’ll net a neat 1.5% cash back, at least. There’s no annual fee, and you’ll enjoy benefits such as 120-day purchase protection and extended warranty protection to extend certain manufacturers’ warranties by up to a year.
The Freedom Unlimited also has a welcome bonus of an additional 1.5% cash back on everything you buy (up to $20,000 spent in the first year) – worth up to $300 cash back. If you transfer those Freedom Unlimited rewards to a Chase Ultimate Rewards credit card, such as the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®, you can effectively double their value, based on TPG’s November 2024 valuations, since they become fully transferable Ultimate Rewards points.
For more information, check out our full review of the Chase Freedom Unlimited.
Related: How to maximize your Chase Ultimate Rewards points
Chase Sapphire Preferred Card
If you’re interested in more than cash back and want to delve into the Chase Ultimate Rewards universe, the Chase Sapphire Preferred is a great choice to load into your Apple Wallet so you can earn 5 points per dollar spent on Lyft (through March 31, 2025), 5 points per dollar spent on all travel booked via Chase Travel, 3 points per dollar spent on select streaming services, 3 points per dollar spent on online grocery purchases (excluding Walmart®, Target® and wholesale clubs), 3 points per dollar spent on dining (including takeout and eligible delivery), 2 points per dollar spent on travel and 1 point per dollar spent on all other purchases.
The welcome bonus from Sapphire Preferred isn’t exactly small potatoes, either. Earn 60,000 in bonus points, worth up to $1,050 in travel through Chase Travel (or up to $1,530 based on TPG’s November 2024 valuations) when you spend $4,000 on purchases in the first three months from account opening, plus get up to $300 in statement credits on Chase Travel purchases within the first year.
For more information, check out our full review of the Chase Sapphire Preferred Card.
Chase Sapphire Reserve
Big spenders may find they can make their rewards go even further with the Chase Sapphire Reserve. The card carries a $550 annual fee plus $75 for each authorized user. But, you get up to $300 in annual travel credits and earn 10 points per dollar spent on hotels and car rentals purchased through Chase Travel and on Lyft (through March 31, 2025), 5 points per dollar spent on flights purchased through Chase Travel, 3 points per dollar spent on travel and dining (including takeout and eligible delivery) and 1 point per dollar spent on all other purchases.
Under the card’s current terms, you’ll earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening — as long as this is your only Sapphire card at the moment and you haven’t received a new cardmember bonus for holding a Sapphire card in the past 48 months. Those bonus points are worth $1,230, based on TPG’s November 2024 valuations.
If you’re opening a new card to link to Apple Pay, you’ll want to choose carefully. Chase’s 5/24 rule could prevent you from qualifying for any Chase credit card if you’ve opened more than five credit cards across all banks in the past 24 months.
For more information, check out our full review of the Chase Sapphire Reserve.
American Express Gold Card
If you’re looking outside the Chase family of credit cards for a great rewards card to use with Apple Pay, consider the classic American Express® Gold Card.
A favorite rewards card, especially for foodies, the Amex Gold offers a generous rewards program that includes 4 Membership Rewards points per dollar spent on dining at restaurants worldwide (on up to $50,000 in purchases per calendar year, then 1 point per dollar) and U.S. supermarkets on up to $25,000 per calendar year in purchases (then 1 point per dollar), 3 points per dollar spent on flights booked through Amex Travel or directly with the airlines, 2 points per dollar spent on prepaid hotels and other eligible purchases through Amex Travel and 1 point per dollar spent on other purchases.
With Apple Pay accepted at so many restaurants nationwide, it pays to load your Amex Gold in your Apple Wallet because you’ll receive up to $120 dining credit annually ($10 in monthly statement credits) when you use Amex Gold at eateries such as Five Guys, The Cheesecake Factory, Goldbelly and Wine.com.
The offer applies to food services such as Grubhub, too. You’ll also get up to $120 in Uber Cash ($10 each month) for U.S. Uber rides and Uber Eats orders and an up to $100 annual Resy credit ($50 in biannual statement credits) each calendar year. Plus, you’ll receive an up to $84 Dunkin credit each calendar year (up to $7 in monthly statement credits). The Amex Gold card or any Amex card must be added to the Uber account before receiving the Uber Cash benefit. Enrollment is required for select benefits.
The Amex Gold carries an annual fee of $325 (see rates and fees).
For more information, check out our full review of the Amex Gold.
Related: Best credit cards for food delivery services
Do I earn rewards with Apple Pay?
Apple Pay itself does not deliver any rewards to users. However, you can load loyalty rewards cards from your favorite stores into the program, making it easier to earn extra points or cash back without fumbling for a key fob, hunting in your wallet or providing your phone number or email address at the payment terminal.
Of course, when you use Apple Pay linked to a rewards credit card, you’ll earn whatever points, miles or cash back you are entitled to for using that credit card, just like with old-fashioned purchases.
Related: How do mobile wallets code for credit card bonus categories?
How do I set up Apple Pay?
Setting up Apple Pay is easy and intuitive. Most iPhone and Apple Watch users will find it pre-loaded on their devices. Just click the “Wallet” icon, hit the plus sign in the right-hand corner and start adding your favorite credit cards by positioning your card in your camera’s view frame. You can also add a card manually by entering the name, account number, expiration date and CVV code on the back of the card.
Along with credit cards, you can store concert tickets, travel documents, such as boarding passes, and more in your Apple Wallet by downloading the corresponding app through the App Store.
Related: 3 new technologies from Visa could lighten your wallet and payments
Which countries support Apple Pay?
Apple Pay is accepted in more than 80 countries worldwide. It can be used throughout the European Economic Area and in the U.S., Canada, the U.K., Australia, Brazil, the United Arab Emirates, Saudi Arabia, Kazakhstan, New Zealand, Singapore and other countries and territories.
Related: How to choose a no-foreign-transaction-fee credit card
Is it secure?
Apple Pay utilizes Near Field Communications (NFC) to carry out transactions. NFC technology has been deemed one of the safest ways to make payments as it’s immune to credit card skimming technology (where cyber thieves can collect your account number when you swipe your credit card) and uses sophisticated encryption to protect your account data.
When you enter your credit card information into Apple Pay, the data undergoes a series of encryption steps called tokenization. Ultimately, a virtual account number is stored on your phone within the most secure portion of the iPhone’s memory banks. Only your phone can decrypt the number and process a transaction.
Add the touch ID, facial recognition and passcodes that protect your phone, and Apple Pay is probably safer than most other payment methods. Plus, Apple’s “Find my iPhone” service enables you to wipe your phone of all its data if it’s ever lost or stolen.
Related: Are mobile wallets safe?
Is there a fee?
If you use Apple Pay at the register in stores or restaurants, Apple does not charge any fees. Since merchants consider this a “card present” sale, however, the merchant may charge additional fees, just like they would for physical credit card users. Merchants who offer “cash discounts” may not extend that discount to Apple Pay customers, so be sure to read the signage around the register carefully before you decide how you want to pay.
If you pay with Apple Pay using a debit card, there are no additional fees.
Finally, there is no fee for transferring money to another Apple Pay user from a debit card linked to Apple Pay. However, you will pay a 3% fee if you transfer money to an individual using a credit card linked to Apple Pay.
Related: The complete guide to credit card annual fees
Bottom line
With the ability to link to practically any credit card you’re likely to carry, there’s a reason Apple Pay is the most widely used mobile wallet app available. iPhone and Apple Watch users, in particular, may want to consider making Apple Pay their main payment method going forward since it can help make payments easier and more secure.
Related: Getting started with points, miles and credit cards to travel
For rates and fees for the Amex Gold, please click here.
