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Credit cards with Google Pay

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

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
BMO CashBack Mastercard
5% cash back
Up to 3% cash back
19.99%
$0
Min. recommended credit score: 660
Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
Tangerine World Mastercard
15% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 680
Earn an extra 15% cash back (up to $150) on up to $1,000 of everyday purchases in the first 2 months Until November 30, 2021. Plus, get a 1.95% interest rate on balance transfers for the first 6 months (valid within the first 30 days of account opening, 1% transfer fee applies).
BMO Preferred Rate Mastercard
3.99% rate on balance transfers for 9 months
N/A
12.99%
$20
Min. recommended credit score: 660
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.
American Express Cobalt Card
50,000 points
Up to 5x points per $1 spent
20.99%
$155.88
Min. recommended credit score: 700
Earn up to 50,000 Membership Rewards points in your first year. Earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 in net purchases on your card (up to 30,000 points). Plus, earn a Welcome Bonus of 20,000 Membership Rewards points when you spend a total of $3,000 in purchases on your Card in your first 3 months of Cardmembership.
Tangerine Money-Back Credit Card
15% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 680
Earn an extra 15% cash back (up to $150) on up to $1,000 of everyday purchases in the first 2 months Until November 30, 2021. Plus, get a 1.95% interest rate on balance transfers for the first 6 months (valid within the first 30 days of account opening, 1% transfer fee applies).
SimplyCash Card from American Express
4% cash back
Up to 1.25% cash back
19.99%
$0
Min. recommended credit score: 700
Earn 4% cash back on purchases (up to $200 cash back) for the first 6 months of Cardmembership.
BMO Rewards Mastercard
10,000 points
Up to 2 points per $1 spent
19.99%
$0
Min. recommended credit score: 725
Get a bonus of 10,000 BMO Rewards points when you spend $1,000 in the first 3 months. Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
BMO World Elite Mastercard
30,000 points
Up to 3 points per $1 spent
20.99%
$0 annual fee for the first year ($150 thereafter)
Min. recommended credit score: 760
Get up to 30,000 points and the $150 annual fee waived in the first year.
Scotiabank Value Visa Card
0.99% rate on balance transfers for 6 months
N/A
12.99%
$29
Min. recommended credit score: 660
Get a 0.99% introductory interest rate on balance transfers with a 0% transfer fee for the first 6 months. Apply by November 21, 2021.
SimplyCash Preferred Card from American Express
10% cash back
2% cash back
19.99%
$99
Min. recommended credit score: 700
Earn 10% cash back on all eligible purchases (up to $400 in cash back) for the first four months of Cardmembership.
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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.

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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