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

Conveniently pay for purchases in-store and online.

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Paying with credit cards is pretty convenient already, but there are ways to make it even easier. Mobile credit card pay is one such innovation that can make paying with a card that much quicker and secure.

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.

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.

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.

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
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
13.99% to 23.99% variable
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months months to pay off transfers.
Citi Simplicity® Card
0% intro for the first 12 months (then 14.74% to 24.74% variable)
With an intro APR of 21 months, this card has one of the longest balance transfer offers on the market. Plus, no late fees and no annual fee.
CardMatch™ from
See terms
See issuer's website
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Citi® Diamond Preferred® Card
0% intro for the first 12 months (then 13.74% to 23.74% variable)
A market-leading balance transfer intro APR of 21 months and 12 months on purchases. Plus Citi Entertainment℠ for deals on dining and going out.
Citi Rewards+℠ Card
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
0% intro for the first 15 months (then 13.49% to 23.49% variable)
Get rewards on gas and groceries with no annual fee. Ideal for everyday use, it's the only card that rounds purchases up to the nearest 10 points.

Compare up to 4 providers

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.

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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