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Mobile credit card pay: What it is and how to use it

Conveniently pay for purchases in-store and online.

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Using a credit card doesn’t always require you to carry around a physical card. You can pay using your phone. Mobile payment can offer a faster, more secure method of payment than using your card. Here’s how to get and use this payment feature.

What is mobile credit card pay?

Mobile credit card pay lets you make payments in stores and online with your mobile device. Just add your credit card to a mobile wallet.

Mobile payments can be very convenient. In stores, you won’t have to fumble with physical cards. And online, you won’t have to type in your credit card information. Mobile wallets also offer fraud-repelling security features such as tokenization and biometric authentication.

How to get mobile credit card pay

To use mobile payments, download a mobile wallet app. The most common wallets you’ll likely see are Apple Pay, Google Pay and Samsung Pay, which most major banks support.

There are other wallets, including but not limited to:

  • PayPal.
    PayPal doesn’t offer near field communication (NFC) payments — i.e., where you can pay by placing your phone near a terminal. However, you can connect PayPal to Google Pay and Samsung Pay.
  • Walmart Pay.
    This app works at participating Walmart stores. You can add credit and debit cards, as well as prepaid accounts and Walmart gift cards.
  • Chase Pay.
    Chase Pay automatically adds your Chase credit cards. For NFC payments, link the app to Samsung Pay.

Once you’ve selected a mobile wallet, add your credit card and follow the instructions to verify it.

How to use mobile credit card pay

Using mobile payment is simple once you’ve added your credit card to your mobile payment wallet. However, making the purchase online is slightly different than using mobile payment in store.

How can I use mobile credit card pay in a store?

  1. While checking out, open your mobile wallet.
  2. Hold your mobile device above the payment terminal. Alternatively, the cashier may scan a QR code on your device.
  3. Authorize the transaction, if necessary, with a passcode or biometric authentication.

How can I use mobile credit card pay online?

  1. While checking out, look for a button representing your mobile wallet.
  2. Log in to your wallet if necessary.
  3. Verify your payment information, then confirm your purchase.

Which credit cards offer mobile credit card pay?

All major banks and many credit unions let you add your credit cards to mobile wallets.

A bank might not make some cards compatible with certain wallets. And some banks may not offer support at all for select wallets. If you’re not sure whether your card is eligible, call your provider’s support line.

Compare credit cards with mobile credit card pay

While most major credit cards can be added to the largest mobile wallets, there may be exceptions. Check with your issuer or mobile-wallet provider to confirm whether your credit card is valid.

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 all other purchases
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: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
Blue Cash Everyday® Card from American Express
20% at Amazon.com up to $200 back in the first 6 months, 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
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
This everyday cashback card is ideal for Black Friday and holiday shopping with 20% back at Amazon.com up to $200 back in the first 6 months. 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.
Chase Sapphire Preferred® Card
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
15.99% to 22.99% variable
$95
Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Diamond Preferred® Card
N/A
0% intro for the first 18 months (then 14.74% to 24.74% variable)
$0
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.
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Compare up to 4 providers

What is tokenization and biometric authentication?

When you add your credit card information to a mobile wallet, the app actually doesn’t store it. It uses a token to represent your personal information. Whenever you use the app for a payment, the app transmits details from this token, keeping your real credit card information safe.

Biometric authentication — such as fingerprint and face recognition — ensures only you can use your mobile payment app.

Bottom line

Mobile credit card pay can be a convenient and safe way to check out in stores. The primary wallets are Apple Pay, Google Pay and Samsung Pay, which many banks and stores support.

You can also learn more about the pros and cons of contactless payments, which is another way to check out conveniently.

Frequently asked questions

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