Best Credit Cards for Apple Pay

Category: All Other Purchases

Cards with Apple Pay Bonus

These cards offer specific bonus rewards when you shop at Apple Pay.

Altitude Reserve U.S. Bank
Points
3x Fee: $400

First $5,000 per billing cycle, then 1x. Effective December 15, 2025.

Cap: Per billing cycle, then 1x
Apple Card Goldman Sachs Bank USA
Cash back
2% Fee: $0

Earn 2% Daily Cash back on all other purchases made using Apple Card with Apple Pay.

More Options via All Other Purchases

These cards earn bonus rewards on All Other Purchases purchases.

Hilton Honors Business American Express
Points
5x Fee: $195

Earn 5X Hilton Honors Bonus Points on other purchases on the first $100,000 in purchases each calendar year, then 3X

Cap: First $100,000 in purchases per calendar year, then 3X points
Bilt Blue Column N.A.
Points
4x Fee: $0

4% back in Bilt Cash on all purchases excluding rent/mortgage. Stacks with points earning. Redeem dollar-for-dollar for Bilt Travel Portal hotels, Lyft credits, fitness classes, dining (Mobile Checkout), GoPuff delivery, or Bilt Collection merchandise. Can also unlock rent/mortgage points ($30 = 1,000 points). Expires at year-end; up to $100 rolls over.

Bilt Obsidian Column N.A.
Points
4x Fee: $95

4% back in Bilt Cash on all purchases excluding rent/mortgage. Stacks with points earning. Redeem dollar-for-dollar for Bilt Travel Portal hotels, Lyft credits, fitness classes, dining (Mobile Checkout), GoPuff delivery, or Bilt Collection merchandise. Can also unlock rent/mortgage points ($30 = 1,000 points). Expires at year-end; up to $100 rolls over.

Bilt Palladium Column N.A.
Points
4x Fee: $495

4% back in Bilt Cash on all purchases excluding rent/mortgage. Stacks with points earning. Redeem dollar-for-dollar for Bilt Travel Portal hotels, Lyft credits, fitness classes, dining (Mobile Checkout), GoPuff delivery, or Bilt Collection merchandise. Can also unlock rent/mortgage points ($30 = 1,000 points). Expires at year-end; up to $100 rolls over.

Hilton Honors Aspire American Express
Points
3x Fee: $550

Earn 3x points on all other eligible purchases.