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Credit cards with Google Pay

Discover the convenience of paying with secure and contactless mobile payments at the checkout.

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Google launched its Android Pay service in 2015 to compete with Apple Pay and Samsung Pay. However, in early 2018, Google united all of their payment systems under Google Pay, also known as “G Pay”, which includes the former app known as Android Pay. Contactless payment services, such as Google Pay, allow you to use your phone to make tap-and-go purchases at the checkout, both online and in-person.

Compare credit cards with Google Pay

Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
American Express Cobalt Card
19.99%
21.99%
$120
N/A
Earn 5 Membership Rewards points per $1 spent at eligible grocery stores, restaurants, bars, cafés and food delivery services, and earn 2 Membership Rewards points per $1 spent at eligible gas stations, and on transit and travel purchases, and earn 1 Membership Rewards point per $1 spent elsewhere. Terms apply
Earn up to 30,000 Membership Rewards points in your first year.
BMO World Elite Mastercard
19.99%
22.99%
$0 annual fee for the first year ($150 thereafter)
$80,000
Get 3 BMO Rewards points per $1 spent on eligible travel, dining and entertainment purchases (up to $50,000 spend annually), and get 2 BMO Rewards points per $1 spent on all other eligible purchases (and once you reach the $50,000 annual spend).
Get up to $575 in value in your first year. Get a bonus of 40,000 BMO Rewards points ($285 travel value booked on bmorewards.com). Plus, get the $150 annual fee waived in the first year.
SimplyCash Preferred Card from American Express
19.99%
21.99%
$99
N/A
Earn 2% cash back on all eligible purchases
Earn 10% cash back on all eligible purchases (up to $400 in cash back) for the first four months of Cardmembership.
BMO Preferred Rate Mastercard
12.99%
12.99%
$20
$15,000
Take advantage of an introductory balance transfer offer, annual fee waiver in the first year, and low purchase and cash advance interest rates.
Get a rate of 3.99% on balance transfers for 9 months with a 1% transfer fee. Plus, get the $20 annual fee waived in the first year.
Tangerine Money-Back Credit Card
1.95% intro APR for the first , 19.95% thereafter
19.95%
$0
$12,000
Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
American Express AIR MILES Platinum Credit Card
20.99%
21.99%
$120
N/A
Earn 1 AIR MILE for every $5 spent on eligible food, drink, gas and transit purchases (up to an annual spend of $30,000), and earn 1 AIR MILE for every $10 spent on all other eligible purchases (and after the $30,000 annual spend)
Earn a Welcome Bonus of 2,000 AIR MILES when you spend at least $1,500 in eligible purchases within the first three months.
American Express Business Edge Card
19.99%
21.99%
$99
N/A
Earn 3 Membership Rewards points for every $1 spent on eligible business essentials including office supplies, electronics, rides, gas, eats and drinks (up to an annual earn of 75,000 Membership Rewards), and earn 1 Membership Reward point for every $1 spent on all other eligible purchases
Earn up to 42,000 Membership Rewards points in your first year. Earn a Welcome Bonus of 30,000 Membership Rewards points when you spend at least $5,000 on eligible purchases within the first three months, and earn 1,000 Membership Rewards points each month (a total of 12,000 annually) when you spend a minimum of $3,000 on eligible purchases
Shell AIR MILES Mastercard from BMO
19.99%
22.99%
$0
$15,000
Get 2 AIR MILES for every $20 spent at participating AIR MILES Partners, and get 1 AIR MILE for every $20 spent on eligible purchases elsewhere.
Get 950 AIR MILES Bonus Miles (enough for $100 towards purchases with AIR MILES Cash). Plus, get 5x the Miles at Shell until December 31, 2020.
American Express Gold Rewards Card
N/A
N/A
$150
N/A
Earn 2 Membership Rewards points for every $1 spent on eligible gas station, grocery store, drug store and travel purchases and on eligible hotel and car rental bookings made with American Express Travel, and earn 1 Membership Reward point for every $1 spent on all other eligible purchases
Earn a Welcome Bonus of 25,000 Membership Rewards points when you spend at least $1,500 on eligible purchases within the first three months
Shell AIR MILES World Mastercard from BMO
19.99%
22.99%
$99
$60,000
Get 5x the Miles at Shell until December 31, 2020 and earn 1 Mile per $15 spent for all other purchases.
Get 5x the Miles at Shell until December 31, 2020 and earn 1 Mile per $15 spent for all other purchases.
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How does Google Pay work?

Google Pay uses the NFC (Near Field Communication) chips that are found in many Android smartphones to allow cardholders to make payments directly from their phone. Instead of getting out your wallet and credit card, you simply unlock your phone and tap it on contactless terminals. If your card is connected to a loyalty program, any eligible purchases you make with Google Pay will automatically earn points for your rewards account.

Google Pay currently works with some contactless Mastercard, Visa and American Express credit and debit cards. You can also connect your Google Pay account to your PayPal account. Google is also looking to integrate Google Pay elsewhere, which could broaden the types of accounts you could potentially use with Google Pay.

How do I use Google Pay?

  • Follow these steps to use Google Pay in-person at checkout:
  1. Find out if Google Pay is accepted by looking for the G Pay symbol or contactless payment symbol at a contactless payment terminal.
  2. Unlock your Android phone.
  3. Hover your phone over the terminal and wait until you see a checkmark.
  • Follow these steps to use Google Pay online at checkout:
  1. At checkout on a supported website, search for the Google Pay purchase button. You can use Google Pay on any browser.
  2. Choose your payment method as Google Pay and enter your shipping address.
  3. Confirm your order and hit enter.
  • Follow these steps to use Google Pay to make in-app purchases:
  1. Open the app you’re looking to make a purchase in and make sure it supports Google Pay.
  2. At checkout, search for the Google Pay button.
  3. Press the Google Pay button and Enter your shipping address before confirming your order.

Which banks support Google Pay in Canada?

You can access the full list of accepted credit and debit cards at Canadian banks and financial institutions here.

As of 1 March 2019, here are the banks and financial institutions in Canada that support Google Pay with some credit cards. It’s important to note that even if your bank is on this list, your specific credit card may not support Google Pay.

  • American Express
  • BMO
  • Desjardins
  • National Bank of Canada
  • President’s Choice Financial
  • ATB
  • Canadian Tire Financial Services
  • CIBC
  • Scotiabank
  • Tangerine
  • UNI Financial Corporation
  • Brim Financial>
  • RBC Royal Bank>
  • Servus Credit Union Ltd
  • Peoples Trust Company>
Why is my bank not on this list?

If your bank is not on the list, it’s because they don’t currently support Google Pay. Some financial institutions restrict customers from using some – or all – cards to make mobile payments. You can contact your bank to find out more or provide feedback to your provider to notify them that you’re looking to use Google Pay as a payment method.

Which banks support Google Pay worldwide?

Google Pay continues to add participating partners all the time. Click here to access a list of supported payment methods at participating banks and financial institutions worldwide.

Is Google Pay safe to use?

  • Google Pay uses an encrypted virtual account number to represent your account details. This means that your card details aren’t stored on your phone or on the Google Pay app.
  • If your card is lost or stolen, you can use the Android Device Manager to instantly lock your phone from anywhere, secure it with a new password or wipe it clean of your personal information. These features prevent anyone from using your phone for contactless payments.
  • If you do suspect any suspicious activity on your account, you can use the Google Pay app to track your transaction history. With the merchant’s name and number, you can monitor and flag suspicious activity.

Frequently asked questions

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