10 Best Contactless Credit Card

Jodie Price

By Jodie Price | Updated September 15, 2025

Contactless credit cards make payments faster and safer by allowing tap-to-pay instead of swiping or inserting a chip. The best options pair this convenience with valuable rewards, travel perks, or cash back. With the right card, users can match their spending habits to benefits that maximize travel, dining, or everyday purchases.

  • Capital One Venture X Rewards Credit Card

    The Capital One Venture X Rewards Credit Card is a premium travel card that focuses on flexibility and value. It is designed for people who travel often and want simple ways to earn and use rewards.

    This card includes travel perks that compete with other high-end cards and provides strong earning potential and useful features for both frequent and casual travelers.

    Earning Structure:

    • 10x miles on hotels and rental cars booked through Capital One Travel
    • 5x miles on flights booked through Capital One Travel
    • 2x miles on every other purchase

    Welcome Bonus:

    Earn 75,000 bonus miles after spending $4,000 in the first three months of joining.

    Card Details:

    • Annual fee: $395
    • APR: Variable, around 19.99%–29.24%
    • Network: Visa
    • Type: Travel rewards
    • Foreign transaction fees: None

    Key Benefits:

    • High rewards on travel bookings
    • Flat 2x miles on all other purchases
    • Airport lounge access included
    • Annual travel credit helps offset fee
    • Anniversary bonus adds long-term value

    Redemption Options:

    Miles can be redeemed for travel purchases, transferred to airline and hotel partners, or used for statement credits and gift cards.

    Credit Requirements:

    Applicants typically need excellent credit to qualify.

    Spending Limitations / Potential Drawbacks:

    The annual fee may not be worth it for those who travel rarely.

    Why it Works for Beginners:

    Its simple 2x miles on everyday spending makes it easy for new cardholders to earn rewards without tracking complex categories.

  • Capital One Venture Rewards Credit Card

    The Capital One Venture Rewards Credit Card is a travel-focused option that keeps things simple. Cardholders can earn flexible rewards without tracking rotating categories. This card also supports contactless payments, making everyday purchases faster and more secure. Its features are designed to fit frequent travelers and those who want straightforward earning.

    Earning Structure:

    • 5x miles on hotels and rental cars booked through Capital One Travel
    • 2x miles on every purchase

    Welcome Bonus:

    Earn 75,000 bonus miles after spending $4,000 in the first three months of membership.

    Card Details:

    • Annual fee: $95
    • APR: Variable, typically around 19.99%–29.24%
    • Network: Visa
    • Type: Travel rewards credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Flat 2x miles on all purchases
    • Strong travel portal rewards
    • Contactless payment feature
    • Flexible redemption options
    • No foreign transaction fees

    Redemption Options:

    Miles can be redeemed for travel purchases, transferred to airline partners, or used for statement credits.

    Credit Requirements:

    Applicants typically need good to excellent credit to qualify.

    Spending Limitations / Potential Drawbacks:

    The card charges an annual fee and does not offer bonus categories beyond travel bookings.

    Why it Works for Beginners:

    Its flat-rate earning and simple redemption system make it easy for new cardholders to use.

  • Capital One Savor Cash Rewards Credit Card

    The Capital One Savor Cash Rewards Credit Card focuses on everyday spending in dining and entertainment. It provides cash back automatically, making it simple to earn rewards without tracking complicated categories. It supports contactless payments, allowing quick and secure transactions, which makes it convenient for users who want speed and safety when making purchases.

    Earning Structure:

    • 8% cash back on Capital One Entertainment purchases
    • 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
    • 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment, and popular streaming services
    • 1% cash back on all other purchases

    Welcome Bonus:

    New cardholders can earn a $200 cash bonus after spending $500 in the first three months. Some offers also include a $100 credit toward travel purchases.

    Card Details:

    • Annual fee: $0
    • APR: Variable, around 19.24%–29.24%
    • Network: Mastercard
    • Type: Cash back
    • Foreign transaction fees: None
    • Additional perk: Access to Capital One Entertainment for ticket discounts

    Key Benefits:

    • No annual fee to maintain the card
    • High rewards on dining and entertainment
    • Contactless payment support
    • No foreign transaction fees
    • Simple flat-rate cash back on other purchases

    Redemption Options:

    Cash back can be redeemed as statement credits, direct deposits, or used toward travel purchases.

    Credit Requirements:

    Applicants generally need good to excellent credit to qualify.

    Spending Limitations / Potential Drawbacks:

    Rewards are strongest in dining and entertainment, so those who spend less in these areas may earn less value.

    Why it Works for Beginners:

    It offers easy-to-understand rewards with no annual fee, making it beginner-friendly.

  • Capital One Quicksilver Cash Rewards Credit Card

    The Capital One Quicksilver Cash Rewards Credit Card offers a simple way to earn rewards without tracking categories. It provides a flat cash back rate on every purchase, making it easy to use daily.

    This card is designed for people who want straightforward rewards and flexibility in redemption. It also includes contactless payment technology for faster and more secure transactions.

    Earning Structure:

    • 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
    • 1.5% cash back on every purchase, every day

    Welcome Bonus:

    Earn a $200 cash bonus after spending $500 in the first three months of joining.

    Card Details:

    • Annual fee: $0
    • APR: Variable, around 19.24%–29.24%
    • Network: Mastercard
    • Type: Cash back
    • Foreign transaction fees: None
    • Contactless payments: Supported

    Key Benefits:

    • No annual fee to maintain the card
    • Unlimited flat-rate cash back on purchases
    • No foreign transaction fees for international use
    • Contactless payment capability
    • Simple rewards program with no rotating categories

    Redemption Options:

    Cash back can be redeemed as statement credits, direct deposits, or used for travel and gift cards.

    Credit Requirements:

    Applicants generally need good to excellent credit to qualify.

    Spending Limitations / Potential Drawbacks:

    The flat 1.5% rate may not be as rewarding as cards with higher bonus categories.

    Why it Works for Beginners:

    Its flat-rate rewards and lack of fees make it easy for new cardholders to manage and benefit from without added complexity.

  • Capital One QuicksilverOne Cash Rewards Credit Card

    The Capital One QuicksilverOne Cash Rewards Credit Card offers a simple way to earn rewards on everyday purchases. It is designed for people who want consistent cash back without tracking rotating categories.

    This card also includes contactless payment technology, making it quick and secure to use in stores. It works well for those building or improving their credit while still earning rewards.

    Earning Structure:

    • 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
    • 1.5% cash back on every purchase

    Welcome Bonus:

    This card does not currently offer a welcome bonus.

    Card Details:

    • Annual fee: $39
    • APR: 29.74% variable
    • Network: Mastercard
    • Type: Cash back
    • Foreign transaction fees: None

    Key Benefits:

    • Flat-rate 1.5% cash back
    • No foreign transaction fees
    • Contactless payment option
    • Access to credit monitoring tools

    Redemption Options:

    Cash back can be redeemed as statement credits, direct deposits, or gift cards.

    Credit Requirements:

    Applicants may qualify with fair credit, often starting around a 580 credit score.

    Spending Limitations / Potential Drawbacks:

    The card has a $39 annual fee and a high APR, which may be costly for those who carry a balance.

    Why it Works for Beginners:

    It helps cardholders build credit while still earning rewards, making it a practical choice for those starting out.

  • Chase Sapphire Reserve®

    The Chase Sapphire Reserve® is a premium travel rewards credit card designed for frequent travelers. It offers strong earning potential on travel and dining, along with flexible redemption options.

    This card also features contactless payment capability, making purchases quicker and more secure. It’s ideal for frequent travelers who often spend on experiences, thanks to its travel protections and valuable perks.

    Earning Structure:

    • 8x points on all purchases through Chase Travel℠, including The Edit℠
    • 4x points on flights and hotels booked direct
    • 3x points on dining worldwide
    • 1x point on all other purchases

    Welcome Bonus:

    New cardholders can earn 125,000 bonus points after spending $6,000 in the first three months.

    Card Details:

    • Annual fee: $795
    • APR: Variable, around 20.24%–28.74%
    • Network: Visa
    • Type: Travel rewards credit card
    • Foreign transaction fees: None

    Key Benefits:

    • $300 annual travel credit
    • Airport lounge access through Priority Pass
    • Strong travel and dining rewards
    • Flexible redemption through Chase Ultimate Rewards
    • No foreign transaction fees

    Redemption Options:

    Points can be redeemed for travel through Chase Ultimate Rewards, transferred to airline and hotel partners, or used for cash back and gift cards.

    Credit Requirements:

    Applicants typically need an excellent credit score, often starting around 740.

    Spending Limitations / Potential Drawbacks:

    The high annual fee may not be worth it for those who travel infrequently.

    Why it Works for Beginners:

    Beginners can benefit from the generous welcome bonus and simple redemption options, making it easier to see value quickly.

  • Chase Sapphire Preferred® Card

    The Chase Sapphire Preferred® Card is a travel rewards credit card that uses contactless technology for quick and secure payments. It is designed for people who want to earn points on everyday spending while also gaining value for travel.

    This card is part of the Chase Ultimate Rewards® program, which offers flexible redemption choices. It appeals to travelers who want strong earning potential without moving into premium card territory.

    Earning Structure:

    • 5x points on travel purchased through Chase Ultimate Rewards
    • 3x points on dining, including takeout and delivery
    • 2x points on other travel purchases
    • 1x point on all other purchases

    Welcome Bonus:

    New cardholders can earn 75,000 bonus points after spending $5,000 within the first three months of membership.

    Card Details:

    • Annual fee: $95
    • APR: Variable, around 19.99%–28.24%
    • Other benefits: Travel protections, purchase coverage, partner transfer options
    • Network: Visa
    • Type: Travel rewards
    • Foreign transaction fees: None
    • Contactless payments: Supported

    Key Benefits:

    • Flexible travel redemption options
    • Strong bonus categories for dining and travel
    • No foreign transaction fees
    • Transfer points to airline and hotel partners

    Redemption Options:

    Points can be redeemed for travel through Chase Ultimate Rewards, transferred to partners, or used for cash back, gift cards, and shopping.

    Credit Requirements:

    Applicants generally need good to excellent credit to qualify.

    Spending Limitations / Potential Drawbacks:

    The card carries an annual fee and does not include premium travel perks found in higher-tier cards.

    Why it Works for Beginners:

    It provides a simple way to earn and redeem travel rewards with clear categories and flexible redemption choices.

  • Chase Freedom Unlimited®

    The Chase Freedom Unlimited® is a contactless credit card that offers flexible rewards on everyday purchases. It is designed for people who want simple earning without tracking rotating categories. The card works well as a beginner-friendly option and can also complement other Chase cards that earn Ultimate Rewards®.

    Earning Structure:

    • 5% cash back on travel purchased through Chase Travel℠
    • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
    • 1.5% cash back on all other purchases

    Welcome Bonus:

    New cardholders can earn a $200 bonus after spending $500 within the first three months of account opening.

    Card Details:

    • Annual fee: $0
    • APR: Variable, typically around 18.99%–28.49%
    • Network: Visa
    • Type: Credit card
    • Foreign transaction fees: 3%
    • Contactless payments: Enabled for tap-to-pay convenience

    Key Benefits:

    • No annual fee to maintain the card
    • Broad bonus categories for everyday spending
    • Simple flat-rate rewards on all other purchases
    • Access to Chase Ultimate Rewards portal
    • Contactless payment capability

    Redemption Options:

    Rewards can be redeemed for cash back, travel through Chase Ultimate Rewards, gift cards, or purchases with select retailers.

    Credit Requirements:

    Applicants generally need good to excellent credit for approval.

    Spending Limitations / Potential Drawbacks:

    The card charges foreign transaction fees, making it less ideal for international travel.

    Why it Works for Beginners:

    It offers consistent rewards, no annual fee, and easy redemption choices, which make it simple for new users to manage.

  • Ink Business Preferred® Credit Card

    The Ink Business Preferred® Credit Card is designed for small business owners who want to earn rewards on everyday expenses. It focuses on categories that many businesses already spend heavily on and also supports contactless payments for quicker, more convenient checkout.

    This card also offers flexible redemption options, making it useful for both travel and business costs. Its rewards program makes it appealing for those who want to maximize value from regular spending.

    Earning Structure:

    • 3x points on travel, shipping, internet, cable, and phone services
    • 3x points on advertising purchases with social media and search engines
    • 1x point on all other purchases

    Welcome Bonus:

    The card offers 90,000 bonus points after spending $8,000 in the first three months from account opening.

    Card Details:

    • Annual fee: $95
    • APR: Variable, typically 20.24%–26.24%
    • Network: Visa
    • Type: Business credit card
    • Foreign transaction fees: None

    Key Benefits:

    • High points earning in common business categories
    • Strong welcome bonus value
    • No foreign transaction fees
    • Travel and purchase protection
    • Flexible redemption options

    Redemption Options:

    Points can be redeemed for travel, cash back, gift cards, or transfers to airline and hotel partners.

    Credit Requirements:

    Applicants generally need good to excellent credit, with a score of 670 or higher recommended.

    Spending Limitations / Potential Drawbacks:

    The card earns higher rewards only in select categories, so general spending earns fewer points.

    Why it Works for Beginners:

    It provides clear earning categories and simple redemption choices, making it easy for new business owners to manage.

  • Citi Double Cash® Card

    The Citi Double Cash® Card is a simple cash-back credit card that rewards everyday spending. It is issued as a contactless card, making it easy to tap and pay securely. This card is designed for people who want straightforward rewards without tracking bonus categories. It works well as a daily-use card for consistent spending.

    Earning Structure:

    • 1% cash back when you make a purchase
    • 1% cash back when you pay off that purchase
    • Total of 2% cash back on all eligible purchases

    Welcome Bonus:

    Earn $200 cash back after spending $1,500 in the first six months of joining.

    Card Details:

    • Annual fee: $0
    • APR: Variable, around 18.24%–28.24%
    • Network: Mastercard
    • Type: Cash back
    • Foreign transaction fees: 3%
    • Balance transfer option: Available with an introductory APR offer

    Key Benefits:

    • No annual fee to maintain the card
    • Flat 2% cash back on purchases and payments
    • Simple rewards structure with no rotating categories
    • Accepted worldwide as a Mastercard
    • Contactless technology for faster checkout

    Redemption Options:

    Cash back can be redeemed as statement credits, direct deposits, or checks.

    Credit Requirements:

    Applicants typically need good to excellent credit.

    Spending Limitations / Potential Drawbacks:

    The card charges foreign transaction fees, so it may not be the best choice for international travel.

    Why it Works for Beginners:

    Its simple earning structure and no annual fee make it easy for first-time cardholders to manage.

Frequently Asked Questions

What are the security features of contactless credit cards?

Contactless cards use encryption to protect payment data during transactions. They generate a unique code for each purchase, which makes it harder for thieves to reuse stolen information. Most also include fraud monitoring and zero-liability policies from the issuing bank.

How do I know if my credit card is contactless-enabled?

A contactless card has a small wave-like symbol printed on the front or back. This symbol looks similar to a Wi-Fi icon turned sideways. If the card has it, the user can tap it at compatible terminals.

What are the transaction limits for contactless credit card payments?

Most banks set a limit for tap-to-pay purchases without requiring a PIN. In the U.S., this limit is often around $100 to $150. Other countries may set different thresholds based on local regulations.

How does tap-to-pay differ from traditional credit card swiping?

Tap-to-pay does not require inserting or swiping the card into the reader. Instead, the card uses near-field communication (NFC) to send payment details securely. This process is faster and reduces physical contact with the terminal.

Can contactless credit cards be used at all merchants?

Not all merchants accept tap-to-pay, as it requires updated terminals with NFC capability. Larger retailers and chain stores usually support it. Smaller businesses may still rely on swiping or chip insert methods.