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Banks you can use Apple Pay with

Check if your bank offers Apple Pay and learn how to use the digital wallet to make contactless purchases.

Apple Pay is a digital wallet that allows you to make contactless purchases in store or online using just your iPhone or Apple device, without your physical debit or credit card. Learn how Apple Pay works and how it compares to other digital wallet solutions in this guide.

US banks that offer Apple Pay

Apple Pay supports thousands of banks. This table breaks down 17 US banks that work with Apple Pay compared to other popular digital wallets, such as Samsung Pay and Google Pay.

Bank Apple PaySamsung PayGoogle Pay
American ExpressNoNoNo
Bank of AmericaNoNoNo
BarclaysNo
Bank of the WestNoNoNo
BBVA CompassNoNoNo
Capital OneNoNoNo
ChaseNoNoNo
CitiNoNoNo
DiscoverNoNoNo
Green DotNoNoNo
HSBCNoNoNo
PNCNoNoNo
SynchronyNoNoNo
USAANoNoNo
US BankNoNoNo
Wells FargoNoNoNo
TD BankNoNoNo

How Apple Pay works

When you use Apple Pay, the near field communication (NFC) chip in your device connects to the card reader, and enables your payment to process the same way it would with a debit or credit card. This allows you to use your device as a contactless payment method instead of having to carry physical cards on you at all times.

How to add a debit or credit card to Apple Pay

Set up a debit or credit card on your iPhone in just a few steps:

  1. Open Apple Wallet on your iPhone and tap the “+” button.
  2. Scan the front of your debit or credit card by positioning it in the frame.
  3. Tap Next.
  4. Your card provider may want to verify your information by sending you an activation code. If applicable, select your verification method. Once you receive it, enter the code.
  5. Once your card is verified, you’ll be able to make payments through Apple Pay.

Can I use Apple Pay if I travel abroad?

Apple Pay works at any store or ATM that accepts contactless payments — no matter where you are in the world. Click the tab to see a full breakdown of countries and regions that support Apple Pay.

Compare accounts compatible with Apple Pay

All of these products can be used with Apple Pay. To get the most value from your digital wallet, consider adding a debit or credit card with rewards on everyday purchases.

Name Product APY Minimum deposit to open ATMs Out-of-network ATM fee
HSBC Premier Checking
Finder Rating: 2.7 / 5: ★★★★★
HSBC Premier Checking
0.01%
$1
Free to use at all ATMs in the US
$0
Get a 3% cash bonus in the first six months (up to $600) or $450 welcome bonus when you open your account with qualifying activities. Must open HSBC Premier checking account through offer page by June 30, 2021, and set up qualifying direct deposits into the new account. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.
BBVA Online Checking
Finder Rating: 4.2 / 5: ★★★★★
BBVA Online Checking
N/A
$25
No ATM fees nationwide at more than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
$3
A full-service account with convenient, surcharge-free access to two massive ATM networks.
BBVA Free Checking
Finder Rating: 3.3 / 5: ★★★★★
BBVA Free Checking
N/A
$25
1,000 fee-free ATMs across the country
$3
Pay a $0 monthly Service Charge and get free access to BBVA ATMs.
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Compare up to 4 providers

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Everyday® Card from American Express
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases (redeem as statement credit)
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
This everyday cashback card offers a higher than average welcome offer for no annual fee, letting you earn 20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 after you spend $2,000 in the first 6 months. Terms apply, see rates & fees
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases (redeem as statement credit)
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Earn up to 6% cashback as statement credit on everyday purchases and a big welcome offer for a cashback card. This heavy-hitter rewards card has uncontested value. Terms apply, see rates & fees
Chase Freedom Flex℠
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
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Compare up to 4 providers

Bottom line

With Apple Pay, you can make contactless payments using your iPhone, iPad, Apple Watch and Mac computer. But it’s only available on Apple devices and not all debit and credit cards are compatible.

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