How to Add a Credit card to Apple Pay

Posted by in Save Money | Updated on August 26, 2022

If you have an Apple device like an iPad or iPhone, you can use your device to easily access or send money through Apple Pay. Apple Pay provides different services to make it easy to use your money. If you want to learn more about how to add a credit card to Apple Pay, you can read more below.

How to Add a Credit Card to Apple Pay on Your iPhone

Before you can use Apple Pay to make purchases or transfer Apple Cash to a bank account using your iPhone, you need to add a credit card. The process of how to add a credit card to Apple Pay on your iPhone is explained below. The process is slightly different depending on whether the card you are adding was previously linked to your Apple ID, but it is not complicated.

Add a New Card to Apple Pay on iPhone

The list below outlines the steps for adding a credit card to ApplePay if you have never used that card on a device associated with your Apple ID.

  1. Open the Wallet app 
  2. Tap the button labeled Add
  3. Tap the Credit Card option
  4. Select Continue
  5. Follow the instructions given on the screen 
  6. If you are asked to, choose the name of the card issuer from the list or search for the name using the search bar
  7. Confirm your information with your bank or card issuer
  8. You might have to give additional information or download an app before you can use your card with Apple Pay.

If you have an Apple Card, you can find a guide to Apple Card here.

Add an Old Card to Apple Pay on iPhone

If you have previously used the card on a device linked to your Apple ID—for example, to pay for streaming on Apple TV—you can follow the instructions below to add it to Apple Pay on your iPhone.

  1. Open the Wallet app, 
  2. Tap the button labeled Add
  3. Select Previous Cards to see cards that are associated with your Apple ID
  4. Tap the card or cards that you want to use 
  5. Select Continue
  6. Follow the instructions  given on-screen
  7. If you are asked to, choose the name of the card issuer from the list or search for the name using the search bar
  8. Confirm your information with your bank or card issuer. 
  9. You might have to give additional information or download an app before you can use your card with Apple Pay.

How to Add an Apple Pay Credit Card to your Apple Watch

You can add a credit card to Apple Pay using your Apple Watch. The process is slightly different depending on whether you use your Apple Watch directly, or the Apple Watch app on your iPhone. Follow the relevant instructions below to complete the procedure.

Add an Apple Pay Card on Your Apple Watch

The list below outlines the steps for adding a credit card to Apple Pay on your Apple Watch directly, without using your iPhone.

  1. Open the Wallet app on your Apple Watch
  2. Scroll until you see the Add Card button then tap it
  3. If you have never used the card with an Apple device, select Credit Card
  4. If you have used the card before on a device linked to your Apple ID, choose Previous Cards
    •  Select the card that you want to use from the ones shown.
  5. Tap Continue
  6. Follow the instructions given on-screen
  7. If you are asked to, choose the name of the card issuer from the list or search for the name using the search bar
  8. Confirm your information with your bank or card issuer
  9. You might have to give additional information or download an app before you can use your card with Apple Pay.

Add an Apple Pay Card on Your Apple Watch from iPhone

If you prefer to use the Apple Watch app on the iPhone linked to your watch, you can follow the instructions below to figure out how to add a credit card to Apple Pay.

  1. Open the Apple Watch app on the iPhone paired to your watch
  2. Tap to open the My Watch tab, 
  3. Choose Wallet & Apple Pay.
  4. Select Add Card.
  5. If you have never used the card with an Apple device, select Credit Card
  6. If you have used the card before choose Previous Cards and Select the card that you want to use.
  7. Tap Continue.
  8. Follow the instructions  given on-screen
  9. If you are asked to, choose the name of the card issuer from the list or search for the name using the search bar.
  10. Confirm your information with your bank or card issuer. 

Add a Card to Apple Pay on Your Mac or iPad

You can also add a credit card to Apple Pay using your Mac or iPad, without using your iPhone at all. Follow the instructions shown below to complete the process.

  1. Open the wallet Wallet app on your device
  2. Navigate to Settings
  3. If you are using a Mac model with Touch ID, go to System Preferences
  4. If you are using an iPad, go to Settings
  5. Navigate to  Wallet & Apple Pay
  6. Select Add Card
  7. Follow the instructions  given on-screen
  8. Confirm your information with your bank or card issuer
  9. You might have to give additional information or download an app before you can use your card with Apple Pay.

Add Your Visa Card to Apple Pay

The process of adding a Visa card to Apple Pay is the same as adding other credit cards. You can follow the instructions given above for adding a credit card to Apple Pay using your iPhone, iPad, Apple Watch, or Mac. 

If you have previously used your Visa card on another device linked to your Apple ID (or iTunes), you won’t have to add the card details again yourself. You can choose the card from previously added credit cards.

Add Your Capital One Card to Apple Pay

The process of adding a Capital One card to Apple Pay is the same as adding other credit cards. You can follow the instructions given above for adding a credit card to Apple Pay using your iPhone, iPad, Apple Watch, or Mac. 

However, if you are adding your Capital One card using your iPhone you can use the Capital One app to retrieve your card details. 

  1. Make sure you have the latest version of the Capital One Mobile app installed on your iOS device. If you don’t update it first. 
  2. Text APPLEPAY to 80101 (Please note that message and data rates may apply).
  3. Follow the instructions sent to your device.

If you don’t have the Capital One app installed on your iPhone, you may be required to download it before you can approve your Capital One card for use with Apple Pay.

If you have previously used your Capital One card on another device linked to your Apple ID (or iTunes), you can choose the card from previously added credit cards.

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Final Thoughts

There are several methods of how to add a credit card to Apple Pay. You can use many different Apple devices—including your Apple Watch or Mac—to complete the process. Not all credit cards can be linked to Apple pay, but you can add cards from Visa and Capital One to Apple pay.


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