Advertiser Disclosure

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

Credit Card Basics, Credit Cards, Rewards Credit Cards
With so many websites offering free financial tools, it can be hard to know whom to trust. At NerdWallet, we spend literally 1,000s of hours researching partner offers and following strict editorial integrity to match you with the perfect choice. We even share how we make money so you can enjoy our expert advice and researched recommendations with total clarity and confidence.
Citi and Apple Pay Credit Card

If, like many Apple enthusiasts, you’ve been waiting on the edge of your seat for weeks for the company’s new mobile payment system to become available, you might be wondering: Citi and Apple Pay — will I be able to use my credit card?

The answer is a resounding yes. When Apple Pay comes to life in October 2014, you can count on being able to use your Citi‎ credit card to pay with just one touch (if you have an iPhone 6 or iPhone 6 Plus, of course). Ready to learn more? Let’s take a look at the details. We’ll also highlight a few of our favorite credit cards from Citi 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 finally coming 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’ll load your payment and store loyalty cards into the Passbook application. Reportedly, this will simply involve 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 in close proximity to 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, most experts expect it to be a safer way to pay than our current swipe-and-sign system.

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

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

You’ll also be 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 Citi

Not all credit card issuers are on board with Apple Pay just yet, but Citi credit card customers won’t have to wait. You’ll be able to use the new mobile payment system as soon as it hits the scene, 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 Citi‎ 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.

The Nerds weren’t yet able to confirm with Citi whether all of their consumer cards will be Apple Pay compatible, so be sure to check with them if you have questions. In the meantime, here are a few of our favorite credit cards from Citi:

Citi® Double Cash Card – 18 month BT offer

The Citi® Double Cash Card – 18 month BT offer is one of the best cash back cards on the market today. With it, you’ll earn 1% cash back when you make your purchases, then an additional 1% cash back when you pay them off. There are no limits to the rewards you can earn, no rotating bonus categories fuss with, and you’ll pay an annual fee of $0. Plus, the card’s APR is 0% on Balance Transfers for 18 months, and then the ongoing APR of 14.49% - 24.49% Variable APR. If you prefer a cash-back rewards program, this is the card for you.

Citi ThankYou® Preferred Card

If you enjoy a night on the town, the Citi ThankYou® Preferred Card is a good pick. With this card, you’ll earn 2 ThankYou points per dollar spent on entertainment and dining out and 1 ThankYou point per dollar spent on all other purchases. ThankYou points can be redeemed for merchandise, travel rewards, gift cards, cash and more. As with all Citi consumer cards, you’ll have access to cool perks like Private Pass and Price Rewind. All of these perks come at an annual fee of $0, so there’s no need to wait. If painting the town red is just part of a regular week for you, start earning extra rewards on that spending with the Citi ThankYou® Preferred Card.

iPhone 6 image via Shutterstock