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Capital One and Apple Pay: Will I Be Able to Use My Credit Card?

July 28, 2015
Credit Card Basics, Credit Cards
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With the release of Apple’s mobile payment system, many wondered: Capital One  and Apple Pay — will I be able to use my credit card?

The Nerds are happy to tell you that the answer is yes. When Apple Pay became active in October 2014, you could count on being able to use your Capital One credit card to pay with just one touch (if you have an iPhone 6 or iPhone 6 Plus). Ready to learn more? Let’s take a look at the details. We’ll also highlight a few of our favorite credit cards from Capital One below.

About Apple Pay

When Apple Pay was announced at the company’s big unveiling event on Sept. 9, 2014, most folks in the technology world reacted with excitement, but not surprise. The mobile payment service was hotly anticipated, and now that it’s online, many expect it to change the way we pay forever.

If you’re not familiar with how Apple Pay works, it’s fairly straightforward: First, you load your payment and store loyalty cards into the Passbook application. This involves simply taking a picture of each of your cards and uploading it to the app. If you typically use one card to pay for most of your purchases, you can select it as the default when you put its information into Passbook.

Then, if you’re shopping in a store that supports Apple Pay (see below), you’ll hold your iPhone 6 or iPhone 6 Plus near the payment terminal and make your payment with a tap of your finger. This touch will both verify your identity using Touch ID technology and authorize the card you’ve selected to be charged.

Because Apple Pay works with payment terminals by using near field communication (NFC) technology and comes with several layers of security built into each transaction, it is a safer way to pay than our current swipe-and-sign system.

As of October 2014, Apple Pay is accepted at over 220,000 brick-and-mortar retailers nationwide, including:

  • Walgreens
  • Whole Foods
  • Macy’s
  • McDonalds
  • Bloomingdales

You’re also able to use Apple Pay with some popular apps, including:

  • Starbucks
  • Target
  • OpenTable
  • Groupon
  • Uber

» MORE: Apple Pay, Samsung Pay and Android Pay Offer Speed and Security at Checkout

A few of our favorite credit cards from Capital One

Capital One credit card customers can use the new mobile payment system, assuming you’ve purchased an iPhone 6 or iPhone 6 Plus, too.

And remember, you don’t have to worry about missing out on rewards when you use your Capital One‎ card with Apple Pay. Every time you authorize a mobile payment, it’s just as if you’d swiped the card. You’ll keep racking up the points or cash back every time you touch.

Here are a few of our favorite credit cards from Capital One:

Capital One® Quicksilver® Cash Rewards Credit Card

If you’re looking for a cash-back credit card, the Capital One® Quicksilver® Cash Rewards Credit Card is a great choice. With it, you’ll earn 1.5% cash back on all your purchases. There’s no limit to the rewards you can earn, and cash back can be redeemed in any amount. The beauty in this card is its simplicity — no gimmicks, no rotating bonus categories to worry about, no hassles. Plus, it provides a small sign-up bonus: One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening All these great perks come at an annual fee of $0, so again, this card is a great pick for cash-back hounds.

Capital One® Venture® Rewards Credit Card

If travel rewards are more your style, the Capital One® Venture® Rewards Credit Card is one to consider. You’ll earn 2 miles per dollar spent on all your purchases, and because each mile is worth $.01 apiece, this amounts to a rewards rate of 2%. There’s no limit to the rewards you can earn, and miles don’t expire. You can use your rewards for any flight or hotel you want; simply book your travel as you normally would, then pay yourself back with your miles in the form of a statement credit.

In terms of fees, the Capital One® Venture® Rewards Credit Card charges no foreign transaction fee and an annual fee of $0 for the first year, then $95. Plus, you’ll have the opportunity to score a solid sign-up bonus: Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel. All this means you could be getting closer to your next vacation with every swipe (or touch).

Lindsay Konsko is a staff writer covering credit cards and consumer credit for NerdWallet. Follow her on Twitter @lkonsko and on Google+.

Image via iStock.