mobile wallet

The Top 5 Credit Cards For Retail Purchases or Mobile Wallets

Credit Card Roundups /

In some cases, a store-brand card can help save money. They typically offer 5% back year-round (as a discount or cash back) on transactions at that store. But store cards aren’t always good options, and they’re limited to only one store at a time. It’s often a better idea to get a credit card which can work at multiple stores. Cards with flexible usage and flexible rewards usually beat narrow-use cards.

Two of the below options are even more flexible due to earning cash back on any mobile wallet transactions (Apple Pay, Google Pay, Samsung Pay, etc). This is good not just for retail stores, but categories like groceries and gas too.

This is a list of credit cards which can work at multiple stores and earn decent cash back. Outside of these top options, view our list of the best cards for everyday spending.

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Review: U.S. Bank Altitude Reserve Visa Infinite

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The U.S. Bank Altitude Reserve (USBAR) is a premium travel card which also works well for everyday usage. It closely competes with the the Chase Sapphire Reserve, Capital One Venture X, and other luxury cards. The USBAR might have lower earning potential than certain competitors, but it’s often easier to use and more convenient. This is a card worth exploring even if it can potentially be tough to get U.S. Bank credit cards.

FEATURES AT A GLANCE

    • $400 annual fee
    • Zero foreign transaction fees
    • 5x points on hotels and car rentals booked through U.S. Bank’s website
    • 3x points on travel
    • 3x points on mobile wallet transactions
    • 1x points on everything else
    • $325 annual credit (for travel or restaurants)
    • $100 credit towards Global Entry or TSA PreCheck (once every 4 years)
    • Metal card

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Review: Apple Card

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The Apple Mastercard was released in 2019 and has become a fairly popular credit card for Apple fans. Issued in partnership with Goldman Sachs, the card has zero fees (no annual, over-the-limit, foreign-transaction, or late fees). Apple claims to have some of the lowest interest rates in the industry. The interest part is mostly irrelevant because all credit card users should always pay their balance in full, on time, every time. However, this card may help people build healthy habits, especially the younger crowd. Experienced credit card aficionados may want to look elsewhere.

FEATURES AT A GLANCE

  • No annual fee
  • No foreign transaction fees
  • 2% cash back when using Apple Pay (iPhone or Apple Watch) except for select stores which earn 3% cash back, including Apple purchases
  • 1% cash back on everything else
  • Metal card (titanium)

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Review: Kroger World Elite Mastercard

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The Kroger World Elite Mastercard is a simple and flexible option for everyday spending. It was updated in late 2021 to add more features and cash back benefits. This was a big upgrade, considering how the old version was outclassed by competitors. The main draw of the Kroger card is now its 5% cash back on all mobile wallet purchases. We’ll explore the pros and cons here, since restrictions apply. Also note that different versions of the card exist with Kroger’s various affiliates (“Kroger Family of Companies Rewards Elite Mastercard”).

FEATURES AT A GLANCE

  • No annual fee
  • No foreign transaction fee
  • 5% cash back on mobile wallet purchases (the first $3,000 spent each year)
  • 3% cash back on dining/gas (the first $6,000 spent each year; feature only available on Kroger Family of Companies variant cards)
  • 2% cash back at Kroger stores
  • 1% cash back on everything else

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