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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 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 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 a $300 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Capital One Venture Rewards Credit Card
Earn unlimited 2x miles on every purchase, every day
15.99% to 23.99% variable
Earn 60,000 bonus miles once you spend $3,000 on purchases within the first 3 months ​from account opening
Capital One Quicksilver Cash Rewards Credit Card
Earn unlimited 1.5% cash back on every purchase, every day
0% intro for the first 15 months (then 14.99% to 24.99% variable)
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Capital One Venture X Rewards Credit Card
10x miles on hotel and rental car purchases booked through Capital One Travel, 5x miles on flights booked through Capital One Travel, and 2x miles on every other purchase

16.99% to 23.99% variable
Capital One VentureOne Rewards Credit Card
Earn unlimited 1.25x miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel.
0% intro for the first 15 months (then 14.99% to 24.99% variable)
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.

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

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