During the Corona crisis, Apple Pay quickly developed into one of the most popular payment services. Instead of searching through their wallets for the right change or stressed out fumbling with the card from the compartment, more and more people are simply using the iPhone or smartwatch to pay.
When it comes to contactless payment, Germans are more conservative than other EU citizens and many continue to rely on cash, but payment with smartphones is becoming more and more popular here too. Since the outbreak of the Covid-19 pandemic, contactless payment processes at the checkout have become more and more common – the iPhone in particular is used for this. If you want to use the Apple service, you need a credit card. We’ll show you how to set up Apple Pay and which cards are compatible.
The list of those who offer Apple Pay is now very extensive. Almost every major provider is there. The list continues to grow rapidly. Here are the major banks and credit institutions that support Apple Pay.
Various credit card providers support Apple Pay.
–
Apple Pay: This is how contactless payment works
It is relatively easy to set up the Apple Pay payment service on devices such as the iPhone or Apple Watch. Users only need a compatible device (all iPhone models with Face ID facial recognition, all iPhones with Touch ID except iPhone 5s) and the latest version of iOS. All Apple Watches are suitable. The following steps are necessary to set up the iPhone:
Step 1: Open the wallet app and press the (+) symbol
Step 2: Follow instructions for adding the card. Some providers require an additional app from the bank.
Step 3: Also select maps installed on other devices in advance.
Step 4: When you confirm with “Next”, the program sends the request to use Apple Pay to the bank. It is possible that bank contacts will come forward with additional security questions to prevent fraud.
Step 5: After the verification confirm again with “Next”. The setup is now complete, Apple Pay is ready to go.
Credit card for Apple Pay: American Express Gold
One of the premium credit cards on the market that are approved for Apple Pay is the American Express Gold. Customers currently benefit from a special offer from the provider when signing up for a new contract.
Those who opt for American Express Gold by November 4th will receive a starting credit of 144 euros – this saves users the fee that would actually be due for the first year. In order to receive the bonus, 3,000 euros must be wagered via the card in the first six months. Anyone who pays with American Express Gold every day secures the bonus almost automatically. This also works if you use the card via Apple Pay. In view of the included services, the conditions are fair: the regular fee of 12 euros per month is quickly covered with the starting credit in the first year and other advantages. In addition to the extras mentioned, users collect points with every Euro Membership Rewards they spend, which in turn can be converted into miles, Paypack points, Amazon vouchers and other rewards.
40.000 Membership Rewards Punkte (w) users receive when they recommend the card. The points are particularly exciting for miles and bonus collectors. Discounts, flights, hotels and many other rewards are included.
The most important facts about the card at a glance: A free partner card, fee of 12 euros per month, travel cost cancellation and health insurance abroad included, vehicle cover letter and many other additional services. Approved for Apple Pay.
To apply: American Express Gold with EUR 144 starting credit (f)
Pay attention to individual needs
However, no test winner and no campaign is good enough if the card does not meet individual requirements and needs despite Apple Pay compatibility. It is therefore always worthwhile to question what role the credit card should play. A card that is primarily intended to be used abroad and when traveling must meet different requirements than a card for everyday use. It is always worth comparing the most important properties here.
Another option: the Hanseatic GenialCard without an annual fee
A cheap alternative to American Express Platinum is the Hanseatic Bank GenialCard (w), which is one of the most popular credit cards with a point system among Check24 users. The card is compatible with Apple Pay and offers a fair range of services for users who simply need a solid credit card for everyday use.
The most important facts about the card at a glance: No annual fee, no additional costs for cash withdrawals worldwide, flexible partial repayment possible, effective annual interest rate: 13.6 percent.
For comparison: View the Hanseatic Bank GenialCard at Check24 (w)
Although the card does not come close to the bonus services of the American Express card due to the lack of insurance & Co., the GenialCard is quite convincing overall.
– .
