Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Credit cards with Google Pay

Discover the convenience of secure, contactless payments.

Google launched its Android Pay service in the US in September 2015 to compete with Apple Pay and Samsung Pay. These contactless payment services allow you to use your phone to make tap-and-go purchases at the checkout. Android Pay, now known as Google Pay, currently works with most contactless Mastercard and Visa credit and debit cards.

Android Pay is now Google Pay

In 2018, Google rebranded the Android Pay app as Google Pay. Name change aside, Google Pay works in the same fashion as Android Pay for the purposes of using your credit card to make mobile payments, albeit with a few extra features.

Compare credit cards for Google Pay

All of these credits cards can be added to Google Pay. Consider a rewards card to earn cash back with every purchase you make using your digital wallet.

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Everyday® Card from American Express
3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on all other purchases (redeem as statement credit)
0% intro for the first 15 months (then 13.99% to 23.99% variable)
Earn up to $250. You'll get 20% back on purchases in the first six months for up to $150 back, and $100 after you spend $2,000 in the first six months. This is a higher-than-average welcome offer for a card with no annual fee. 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)
Earn up to $350. In your first 6 months, you can earn a $150 statement credit when you spend $3,000, and earn 20% back on Amazon purchases made with your card, up to $200 total. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
TD Double Up℠ Credit Card
Up to 2% cash back. 1% cash back on purchases plus 1% when you redeem into an eligible TD Bank Deposit Account
14.99%, 19.99% or 24.99% variable
Earn up to 2% cash back. 1% cash back on purchases plus 1% when you redeem into an eligible TD Bank Deposit Account. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
Citi Simplicity® Card
0% intro for the first 18 months (then 14.74% to 24.74% variable)
With an intro APR of 18 months, this card has one of the longest balance transfer offers on the market. Plus, no late fees and no annual fee.
Citi® Diamond Preferred® Card
0% intro for the first 18 months (then 13.74% to 23.74% variable)

Best of Finder 2021

An impressive 18 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.

Compare up to 4 providers

How does Google Pay work?

Google Pay uses the Near Field Communication (NFC) 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 is also looking to integrate it with credit card readers, which could broaden the types of accounts you could use with Google Pay. Read more about how mobile payments work.

Google Pay Send

With the rebranding of Android Pay, Google also folded Google Wallet into the Google Pay app. This means you can now send or receive payments directly from other Google Pay users through the Google Pay app.

Which banks support Google Pay?

Google Pay continues to add participating partners since their initial launch. The table below outlines a few of the participating banks and financial institutions.

Major banks that support Google Pay

Many local and minor banks support Google Pay as well. For a complete listing, visit the Google Pay website.

How do I start using Google Pay?

To start using Google Pay, you’ll need an eligible credit card as well as an Android phone that has the technology required to use Google Pay: NFC communication and the Android Lollipop 5.0 OS or higher.

  1. Download the Google Pay app from the Android app store.
  2. Open the app and follow the setup directions. This includes inputting your credit card or bank information.
  3. You might be asked to set up a screen lock on your Android phone if you haven’t already. This is for security purposes.
  4. Verify your payment method. This typically includes inputting a security code that Google sends to you.
  5. In your Android settings, make sure Google Pay is set as your default payment app.

You can add additional payment methods either online or through the Google Pay app by signing in to your Google Pay account and selecting “Add payment method.”

Using Google Pay in stores

Making payments in stores using Google Pay is simple. First, look for one of the two icons that indicate Google Pay is accepted:

Google PayTerminal logo

At the checkout terminal, wake up your phone and hold the back of your phone to the terminal for a few seconds. If your payment is accepted, you’ll see a blue check mark on the screen. In some cases, you might need to input your card pin or wait for further instructions from the cashier.

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 you do suspect any suspicious activity on your account, you can also use the Google Pay app to track your transaction history. With the merchant’s name and number, you can monitor and flag suspicious activity. If your card is lost or stolen, you can also use 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.


Bottom line

With so many banks and retailers supporting contactless payments, applying for and using a Google Pay credit card is a great way to keep your credit card more secure. Compare credit card options to find one that best fits your financial needs.

Frequently asked questions

Pictures: Getty Images

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site