If you are looking for the Best iPhone Credit Card App to download for free, look no further.
Our expert panel of reviewers has tested dozens of apps and we have compiled a list of the 5 Best iPhone Credit Card App that passed our tests.
Check out our list of the 5 Best iPhone Credit Card App, tried and tested by our expert reviewers.
5 Best iPhone Credit Card App
“The official American Express App for iPhone allows you to access your Account from anywhere. Track spending & rewards, find offers, review your balance, pay your bill and enjoy features only available in the Amex App. Touch ID and Face ID login (on supported devices), gives you quick, safe and secure access.
Make the most of your Membership with the speed, security and convenience of the mobile Amex® App.
SECURE ACCOUNT MANAGEMENT
• Enhanced activation experience for you to confirm new Cards and setup your Account.
• Activate your Credit Card for Apple Pay in the Amex App, then simply unlock, tap and pay.
• Freeze and unfreeze your Credit Card instantly at any time.
STAY ON TOP OF YOUR SPENDING
• Check your American Express Account balance, pending transactions and sort charges by amount and date.
• Go paperless with access to past PDF statements.
• Turn on AutoPay to pay your Amex bill automatically from your bank account each month.
• Check your spending power. Enter an amount for an expected purchase and you’ll see if it’ll be approved. Approval based on account status at the time of request
• Filter transactions to see spending and subtotals for each card on your account. For Basic Card Members Only.
PROTECTION WITH REAL-TIME ALERTS
• Turn on purchase alerts to be notified when your Credit Card is charged.
• Receive instant fraud alerts if suspicious activity is detected.
• Never miss a payment with payment due reminders.
• Manage all your notifications in the Amex Account tab.
EXPLORE REWARDS AND BENEFITS
• View your Rewards balance and find ways to use Membership Rewards® points* – from gift cards to credits on your statement.
• Use points to cover your eligible charges via a credit on your Account. *
• See personalized recommendations for other ways to use points.
• Refer a friend and earn rewards when friends and family get an American Express Card through your referral. For eligible Card Members only.
AMEX OFFERS *
• Discover offers from places you shop, dine, travel and more.
• Explore a map of nearby offers.
• Get Amex Offers notifications direct to your device.
• We’re here to chat 24/7. Start a chat with us in seconds and revisit conversations any time in the app.
We’d love to hear from you! Stay in touch with us using our social media pages: Twitter: @AmericanExpress
Amex Send & Split™ enhances the way you send money and split purchases with other Venmo and PayPal users, all in the American Express app.* Now you can pay friends with more flexibility and without the standard Venmo or PayPal credit card fee§. You can also seamlessly split your Amex purchases with others and get paid back directly to your Card as a statement credit. Best Part? You’ll be the one to earn the rewards for the purchase you split. Enrollment Requirement. Terms Apply. § PayPal may charge a fee when sending to non-US recipients.
The American Express® App and app features are available only for eligible Card accounts in the United States. American Express® prepaid Cards and Cards issued by non-America Express issuers are not eligible.
To log in, Card Members must have an American Express user ID and password or create one in the app.
Apple, the Apple logo, iPad, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license. App Store is a service mark of Apple Inc.
*To see the full Terms and Conditions, copy and paste the following link into your browser and scroll to the bottom of the page: https://amex.co/AmexApp-Terms
For J.D. Power 2021 award information, visit jdpower.com/awards.”
2. Cardless – Future of credit
“The Cardless App provides mobile access to credit cards from your favorite brands. View your balance and transactions, redeem rewards, and make payments, all with more transparency than traditional banks.
NO LATE FEES
We give you all the information you need to make your payments on time, but if you do miss a payment, don’t worry – we don’t charge late fees.
Earn lucrative rewards when you spend in select categories and at your favorite brands.
SECURITY & TRANSPARENCY
Your information’s security is our number one priority. Set up biometrics to view your card number and other sensitive data in-app and get notifications whenever your credit card is used, so that you always know what’s going on with your account.”
3. CRED – Pay credit card bills
Use CRED Coins earned from paying your bills on CRED to win big prizes and unlock access to products at member-exclusive prices, it’s that simple.
→ Check & track your credit score free with CRED. Download the CRED APP to check your credit & CIBIL score now
→ Payment reminders: get credit card bill payment reminders that ensure you never miss your due date and thus get on track to improve your credit score
→ Hidden charges: automatically detect hidden charges and get alerted on duplicate transactions in your credit card account
→ Win rewards: win exclusive rewards by using the CRED Coins earned from pay your bills
→ Manage multiple credit cards: make seamless payments from CRED app for all your credit cards
→ Pay your rent with a credit card: use CRED to make rent payments to your landlord or PG
→ Spend analysis: complete track of where you spent from your credit card with easy to read spend analysis charts
→ CRED Store: A wide range of products from popular brands at discounted rates
How to be a CRED member?
→ CRED is built for rewarding creditworthy individuals in India. To become a CRED member, you need a credit score of 750+
→ The process is simple → Download CRED → Fill your name, mobile number & email ID → Get a free credit score report
→ If your credit score is 750+, you will get a prompt to verify your credit card details
→ That’s all, you can start paying your credit card bills and earn CRED coins with every payment
What is a credit score (cibil report) & what are the basics?
→ The credit score is calculated based on the data that is provided by the lending institutions (typically banks, NBFCs) to the bureaus (typically CRIF, Experian)
→ A credit score indicates your creditworthiness to potential lenders such as banks & mortgage lenders. It indicates how responsible you are likely to be in paying off your loans
→ Each credit score has a different scale: For example, CRIF has a range of 300-900 while Experian has a range of 300-850.
→ A score of 700+ on CRIF & Experian is considered to be good.
→ A higher credit score is an indicator of good financial behaviour.
How to monitor credit score using CRED?
→ Download the CRED app & signup using your full name and mobile number to get your first credit score result on CRED.
→ Keep making credit card bill payments on CRED to get CRED coins.
→ Use the CRED coins to refresh your credit score every month. Also, receive personalised insights that help you improve your credit score with time.
What all credit scores are shown on CRED?
There are 4 credit bureaus in India – Experian, Equifax, CRIF and CIBIL. CRED can showcase your CRIF, Experian and Equifax credit scores and helps track these credit scores individually.
What credit cards are supported on CRED?
SBI, HDFC, Axis, Kotak, Standard chartered, American express, Yes bank, HSBC, IndusInd, RBL, Bank of Baroda, Kotak Mahindra, Bank of India plus all VISA, MasterCard, American Express and Discover credit cards.
Will using a credit card hurt my credit score?
As long as you make credit card bill payments within the “grace period” of 25-30 days, you don’t have to pay extra. If you go longer, though, you’ll have to pay interest. Defaulting on your credit card payments could negatively hurt your credit score, so make sure you make bill payments on time.
Will using CRED help improve my credit score?
→ CRED will help you make bill payments on time by reminding you on time. This will help you improve your credit score over time. This will help you improve your credit score like millions of other members.
Can you pay American Express card bills on CRED?
Yes, all American Express credit cards are supported for bill payments on CRED. You can make seamless payments for American Express cards.”
4. Square Point of Sale (POS)
Use the Point of Sale app with a Square Reader to allow customers to pay with contactless from all major credit and debit cards or touch-free using payment links, QR codes, Apple Pay, Google Pay or by manually entering their card details.
Issue and track invoices directly from the app. Customise your invoices, set up weekly or monthly recurring invoices from your Dashboard and let customers pay online with a credit or debit card. You can even save their card details on file for automatic payments on recurring invoices.
Connect your Point of Sale app to a free Square Online Store to accept orders for pickup and delivery.
Funds are transferred fast – see money in your bank account as soon as the next business day.
Use your point-of-sale system to keep track of sales and inventory in real time, manage items and employees and view analytics about your business.
All this with no long-term contracts or surprise fees.
The free Square Dashboard app works in sync with the Square Point of Sale app and lets you view your live sales data, access powerful analytics and other easy tools to help you track and improve your business.
PAYMENT INFORMATION FOR AUSTRALIA.
1.6% PER TAP OR INSERT on Square Terminal and Square Register or 1.9% with Square Reader. That’s it. Just one flat rate for all transactions so you know exactly what you’ll get in your bank account. Accept Visa, Mastercard, eftpos and American Express cards all at the same rate. Invoices are free to send and cost 2.2% per invoice paid online.
Get your money fast. Square transfers payments into your bank account as fast as the next business day automatically or manually at a time that suits you.
– Record cash, gift cards and other forms of tender
– Customise your POS with photos, names, and variations of items
– Send receipts via email or text message
– Apply discounts and issue refunds
– Track inventory in real time
– Connect to a receipt printer, kitchen ticket printer, barcode scanner and cash drawer”
5. SumUp – Credit Card Reader
The SumUp App makes it simple to accept payments and manage your business. Use our free app together with a SumUp mobile card reader to get paid anywhere.
Our app also makes it easy to manage your item catalog, build an online store, sell gift cards, issue invoices, send payment links, and more. These tools are intuitive and involve no binding contracts – all you pay is a fixed fee per transaction. So whether you need a mobile POS solution or you’re looking for new ways to boost your business, we’ve got you covered.
Download our app and pair your device with a SumUp Card Reader to take chip and contactless payments. With SumUp, you can accept credit cards and debit cards, plus Apple Pay and Google Pay. We also make it simple to set sales tax rates, add tipping options, and issue refunds.
Create your own personalized item catalog. Use our payment app to add, edit, and delete items. Having your entire inventory at your fingertips makes transactions speedy and simple. You can also organize your items into categories, to make selling even easier.
The flexible way to get paid online. Simply enter the amount you want to charge, create a link, and share it with your customer via social media, SMS, or email. The link will take the customer to a secure website where they can complete the transaction. It’s a great way to take cashless payments without a credit card reader.
With SumUp Invoices, you can generate professional, legally compliant, on-brand invoices in minutes. When your customer receives an invoice, they’ll have the option to pay securely online. Create and send as many invoices as you like with no service fees. There are also no costs for receiving payment by bank transfer – just a small fixed fee for card payments.
Interested in a new revenue stream that requires minimal effort? Open the SumUp App and you’ll find a gift card page for your business, ready to share. Your customers can buy digital gift cards for any amount, and personalize them by picking from a range of designs. You can manage the balance of every gift card you sell within the SumUp App.”