Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

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

Conveniently pay for purchases in-store and online.

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 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

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

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