Top 12 Credit Cards Optimized for Mobile Wallet Transactions in 2025, Offering Generous Rewards and Cash-Back Incentives
The world of digital payments is evolving rapidly, and credit cards are following suit. Here's a round-up of some of the best credit cards that offer extra points or cashback when you use your mobile wallet.
First on our list is the U.S. Bank Business Altitude Power Visa Signature Card. This card is a solid choice for businesses looking for an earning workhorse. It offers 2.5x points on up to $5,000 in mobile wallet purchases each quarter, with a bonus of 12,500 points on mobile wallet purchases before the earning rate drops to 2x. However, it comes with a $195 annual fee.
For those who frequently use Venmo, the Venmo Credit Card could be a great no-annual-fee option. It offers 3% cash-back on your top eligible spend category and 2% cash-back on your next-highest eligible spend category. The card also provides access to the Visa Signature Luxury Hotel Collection and roadside dispatch.
If you're an Apple user, the Apple Card might interest you. It offers 3% daily cash-back at Apple and select merchants when using Apple Pay, and 2% daily cash-back when using Apple Pay for other purchases.
For those who shop at Harris Teeter, Kroger, Fry's, Smith's, or King Soopers, the corresponding Rewards World Elite Mastercards offer 5% cash-back on non-fuel transactions made through their mobile wallet apps, up to $3,000 annually, then 2% back. These cards also offer 5% cash-back on mobile wallet transactions (excluding their respective apps), up to $3,000 annually, then 1% back.
The U.S. Bank Altitude Reserve Visa Infinite Card is another great option, offering 3x points on eligible travel and mobile wallet purchases.
If you often use PayPal for your purchases, the PayPal Cashback Mastercard could be beneficial, as it offers 3% cash-back when you check out with PayPal.
Lastly, the TF Bank Mastercard Gold, Hanseatic Bank GenialCard, Instabank Credit Card, Consors Finanz Mastercard, Trade Republic Visa Debit Card, Barclays Visa, Bank Norwegian Visa Credit Card, Bunq Virtual Prepaid Mastercard, Extra Karte Mastercard, Advanzia Fee-Free Mastercard Gold, Awa7 Visa Credit Card, DKB Visa Credit Card, and Santander BestCard Basic are also among the 12 best credit cards for earning extra points or cashback when paying with your mobile wallet.
In addition, Amex partners with both Venmo and PayPal to offer a benefit called Send & Split, which lets you split bills with friends and family up to 20 users.
In conclusion, whether you're a business owner, a frequent shopper, or simply a tech-savvy individual, there's a credit card out there that offers extra rewards for mobile wallet payments. It's worth exploring these options to maximise your earnings.
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