Essentially all major banks and credit unions in the U.S. support Apple Pay (as well as banks in more than 80 countries). However, every credit card may not work with the platform. If you’re unsure, reach out to your credit card issuer to verify.
The current list of supported banks and networks includes:
To set up Apple Pay, add your eligible credit card, debit card or prepaid card to the Wallet app on your compatible Apple device using the following steps:
For an iPhone
For an Apple Watch
For an iPad or Apple Vision Pro
For a Mac
Before you can use Apple Pay you’ll need the following:
Apple Pay can be used for payments in stores, within apps, on websites and for transit in certain countries and regions. If you’re unsure whether a specific retailer accepts Apple Pay, it’s a good idea to check with them directly before depending on it as your main payment method.
You can use Apple Pay in stores whenever you see one of these symbols, or you can search for Apple Pay in Maps to see nearby stores that accept Apple Pay.
To make a payment:
You can use Apple Pay wherever you see the Apple Pay button or Apple Pay symbol, or when Apple Pay is listed as a payment method.
To make a payment:
You can also use Apple Pay to make payments online using third-party browsers on Mac, PC and other devices by scanning a code with your iPhone or iPad.
Making payments with Apple Pay is a safe process. When you make a payment using Apple Pay, a device-specific number and unique transaction code are used, so your actual credit card number is never stored on your device or on Apple servers. Additionally, Apple doesn’t share your card numbers with merchants, and your purchases stay private. This means, Apple Pay doesn’t keep transaction information that can be tied back to you.
If you prefer not to share your email address with merchants while shopping online, you can use “Hide My Email” to create unique, random email addresses that forward to your personal inbox. Apple Pay also helps you avoid physical interactions with buttons, terminals and cards, reducing the risk of credit card skimming. Every transaction requires Face ID, Touch ID or a passcode for added security.
If you frequently use Apple Pay to shop in store and online, the Apple Credit Card offers bonus rewards on those purchases. You’ll earn 2% Daily Cash every time you use Apple Card with Apple Pay, 3% Daily Cash on all purchases made directly with Apple and select merchants and 1% on other purchases made with your physical Apple Card
. There’s also a $0 annual fee to own the card.
But, if you don’t want to be limited to earning rewards on Apple Pay transactions, there are plenty of other credit cards that support Apple Pay that offer a solid rewards rate on all purchases. For example, the Wells Fargo Active Cash® Card lets cardholders earn unlimited 2% cash rewards on purchases.
Surprisingly, Walmart does not currently accept Apple Pay online or in stores. Instead, the retail giant encourages shoppers to download and use the Walmart app for contactless shopping.
Yes, Target accepts all contactless payment types, including Apple Pay.
Apple Cash is a digital card in your Apple wallet that allows you to send and receive money with people you know in Messages or Wallet. Apple Pay, on the other hand, lets you make contactless purchases using credit cards that appear in your Wallet, Apple Cash or the Apple Credit Card. Apple Cash is only available in the U.S. on eligible devices.
No, there are no fees associated with using Apple Pay.
You can use Apple Pay internationally in countries and regions that support contactless payments. However, you should check with your credit card issuer to see if there are any fees for using your card overseas.
You can view your Apple Pay transaction history on any Apple device through the Wallet app. Or, you can log into the account of the card you used with Apple Pay to check the transaction details.
The information related to the Apple Credit Card and Wells Fargo Active Cash® Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
