Apple Pay is a mobile payment platform that works similarly to Android Pay and Google Pay. Once you set up Apple Pay on your mobile device, you can use it to make secure purchases in stores, on certain apps, and on the web.
Apple Pay even lets you send and receive money from family and friends, and you can do all these things without having to carry your physical credit card around. (See also: 7 Dangerous Places to Carry a Credit Card Around)
As mobile payment becomes more popular, retailers that accept Apple Pay are increasing in number all the time. You can now use Apple Pay at millions of department stores, restaurants, and grocery stores — and even for taxis and vending machines.
To see if a merchant takes Apple Pay, all you have to do is look for the Apple Pay symbol at the checkout or online.
While we can’t list every merchant that accept Apple Pay in 2019, here are some of the main retailers and stores that let you use this app at checkout:
- Ace Hardware
- Baskin Robbins
- Best Buy
- Crate & Barrel
- Disney Store
- Duane Reade
- Foot Locker
- Jersey Mike’s
- Jimmy John’s
- Office Depot
- Panera Bread
- Pizza Hut
- Seven Eleven
- Trader Joe’s
- Walt Disney World
- White Castle
- Whole Foods
Best Credit Cards for Apple Pay
While Apple Pay makes contact-less payment a breeze, you can improve your financial transactions even more with the right credit card. The best credit cards for Apple Pay are ones that let you earn the most rewards on your purchases in regular, brick-and-mortar stores where these transactions take place.
While any rewards or cash-back credit card is better than nothing, here are the best credit cards for Apple Pay in 2019:
Chase Freedom Unlimited®
It’s hard to beat the Chase Freedom Unlimited®, since it allows you to earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening. You can also earn unlimited 1.5% cash back on all purchases. Best of all, there’s no annual fee. There is no minimum to redeem for cash back and your cash back rewards do not expire as long as your account is open.
Capital One Venture Rewards Credit Card
If you love to travel but don’t want to be tied down to redeeming your points in a specific way, the Capital One Venture Rewards Credit Card can be a good option. This card lets you redeem miles for any type of travel at a rate of one cent per point, but you can also transfer your miles to 12 different airline loyalty programs. When you sign up, you’ll earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months. You’ll also earn 2x miles for each dollar you spend, every day, which makes it easy to rack up plenty of rewards over time. This card does have a $95 annual fee.
Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card
is a smart option to pair with Apple Pay if you like earning rewards good for travel. While this card does have a $95 annual fee, you’ll earn a welcome bonus of 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®. You also earn 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases. On the redemption side of the equation, you can cash in your points for gift cards, merchandise, or statement credits, redeem them for travel through the Chase portal, or transfer them 1:1 to popular airline and hotel partners. (See also: How to Get the Most Out of Your Chase Sapphire Preferred® Card
Capital One® Savor® Cash Rewards Credit Card
If you plan to dine out often and want to get the most out of Apple Pay, consider signing up for the Capital One® Savor® Cash Rewards Credit Card. Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening. Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
Capital One® Spark® Cash for Business
If you have a lot of business purchases and choose to pay with Apple Pay, it makes sense to sign up for a business credit card that can help you earn rewards. We like the Capital One® Spark® Cash for Business because it offers unlimited 2% cash back for your business on every purchase, everywhere, with no limits or category restrictions. You also earn a one-time $500 cash bonus when you spend $4,500 in the first 3 months of your account opening. You will pay $0 for the annual fee for the first year and $95 after that. You can redeem your rewards for statement credits in any increments you want, and they’ll never expire provided your account is open.
The Bottom Line
Paying for purchases with Apple Pay is a great way to simplify your life and make regular, everyday purchases a little bit easier. This app lets you avoid carrying a physical credit card around, and it’s accepted by millions of merchants around the globe. You also get to pay with your smartphone, and who wouldn’t want that?
Since Apple Pay doesn’t give you rewards on its own, however, it helps to pair this app with a rewards or travel credit card that doles out points for every dollar you spend. With both Apple Pay and a point-earning credit card working on your behalf, you can have the best of both worlds — a convenient way to pay for anything and rewards each time you do.
Editorial Disclaimer: Information in these articles is brought to you by CreditSoup. Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles. The information is accurate to the best of our knowledge when posted; however, all credit card information is presented without warranty. Please check the issuer’s website for the most current information.