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Best Credit Cards for Google Pay in November 2023

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Upgrade Cash Rewards Visa® best for Good credit score

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Upgrade Cash Rewards Visa®
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
4.35
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 1.5% Cash Back on payments.
  • Intro Offer:
    • $200 Bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Balance Transfer APR:
    14.99% - 29.99% Regular
  • Details:

    The Upgrade Cash Rewards Visa® offers 1.5% Cash Back on payments.

    Earn a $200 Bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*

    The card's APR: 14.99% - 29.99% (Regular APR).

    Read full review

  • Pros:
    • No Annual fee
    • No extra fees
  • Cons:
    • No Intro APR reriod
  • Benefits:
    • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*;
    • 1.5% Cash Back;
    • Сontactless card technology.

    *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

View all Upgrade Cash Rewards Visa® details
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On Upgrade‘s website
Card detail

Upgrade Triple Cash Rewards Visa® best for Low income

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Upgrade Triple Cash Rewards Visa® Upgrade
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
4.06
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 3% Cash Back on Home, Auto and Health categories.
    • 1% Cash Back on everything else.
  • Intro Offer:
    • $200 Bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Balance Transfer APR:
    14.99% - 29.99% Regular
  • Details:

    The Upgrade Triple Cash Rewards Visa® Credit Card offers 3% Cash Back on home, auto and health purchase and 1% Cash Back on everything else.

    Earn a $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*.

    The card's APR: 14.99% - 29.99% (Regular APR).

    Apply online and get a credit line from $500 to $25,000 with your Card.

    Read full review

  • Pros:
    • Every Purchase Earns You Cash Back
    • Increased Cash Back for Three Categories
    • No Limits Abroad
    • Forget About Fees
  • Cons:
    • You Can’t Withdraw Cash
    • Cash Back Doesn’t Satisfy Your Monthly Payments
  • Benefits:
    • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*;
    • 3% Cash Back on home, auto and health purchase;
    • 1% Cash Back on everything else;
    • Сontactless card technology.

    *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

View all Upgrade Triple Cash Rewards Visa® details
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On Upgrade‘s website
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The Owner’s Rewards Card by M1 Celtic Bank
Annual fee:
$0 annually (for active M1 Plus customers)
$95 annually
Regular APR:
17.99% - 27.99% Variable
Our Rating:
3.91
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 10% You’ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
    • 1.5% Cash Back on everything else.
  • Issuer name:
    Celtic Bank
  • Details:

    The Owner’s Rewards Card by M1 earns up to 10% Cash Back on purchases with eligible brands. All other spending earns 1.5% Cash Back.

    Spend $4,000 with your new Owner’s Rewards credit card in the first 90 days and earn a $300 statement credit.

    The Owner’s Rewards Card by M1 comes with a $95 annual fee (the fee is waived for Plus members).

    Read full review

  • Pros:
    • No Foreign Transaction Fee
    • High rewards rate
  • Cons:
    • No Intro APR period
    • $95 annual fee (for non-plus members)
  • Benefits:
    • Up to 10% Cash Back on purchases with eligible brands;
    • 1.5% Cash Back on everything else;
    • Visa® Zero Liability.
View all The Owner’s Rewards Card by M1 details
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On Celtic Bank‘s site
Card detail
M&T Bank Visa®
Annual fee:
$0
Regular APR:
10.49% - 17.49% Variable
Our Rating:
3.59
scorer
Credit score
Good to Excellent (670-799)
  • Purchase Intro APR:
    0% Introductory APR for the first 12 billing cycles from account opening
  • Balance Transfer APR:
    10.49% - 17.49% Variable
  • Issuer name:
    M&T Bank
  • Details:

    The M&T Bank Visa® Credit Card features no annual fee, no foreign transaction fees, and an introductory 0% APR on purchases and balance transfers for the first 12 months (10.49% - 17.49% Variable thereafter).

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • Digital wallet;
    • Customize your own card design at no cost;
    • M&T Assurance®.
Card detail
Citi AllModern Mastercard®
Annual fee:
$0
Regular APR:
32.24% Variable
Our Rating:
3.64
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Back in Rewards at AllModern.
    • 3% Back at grocery stores.
    • 2% Back on online purchases.
    • 1% Back on all other purchases.
  • Intro Offer:
    • $40 Off your qualifying first order if it is at least $250.
  • Balance Transfer APR:
    32.24% Variable
  • Issuer name:
    Citi
  • Details:

    The Citi AllModern Mastercard® Credit Card earns 5% Back at AllModern, 3% Back at grocery stores, 2% Back on online purchases and 1% Back on all other purchases. New card accounts enjoy $40 off their first order of $250 or more.

    The AllModern Mastercard® doesn't charge an annual fee. The APR for purchases and balance transfers is 32.24% Variable.

  • Pros:
    • No Annual Fee
  • Cons:
    • Foreign Transaction Fee
    • High APR
  • Benefits:
    • $40 off your qualifying first order if it is at least $250;
    • 5% Back at AllModern;
    • 3% Back at grocery stores;
    • 2% Back on online purchases;
    • 1% Back on all other purchases.
Card detail
Quorum RateWise Mastercard®
Annual fee:
$0
Regular APR:
9.40% - 18.00% Variable
Our Rating:
3.27
scorer
Credit score
Fair to Good (580-739)
  • Balance Transfer APR:
    9.40% - 18.00% Variable
  • Issuer name:
    Quorum Federal Credit Union
  • Details:

    The Quorum RateWise Mastercard® Credit Card doesn't charge an annual fee.

    The APR for purchases and balance transfers is 9.40% - 18.00% (Variable).

  • Pros:
    • No Annual Fee
  • Cons:
    • No Intro APR period
    • Foreign Transaction Fee
  • Benefits:
    • Zero Liability;
    • Priceless Offers;
    • 24/7 Concierge Services;
    • Digital Wallets;
    • Mastercard Global Service™ (Emergency Card Replacement, Cash Advance, Lost/Stolen Reporting);
    • Mastercard Travel Services™;
    • Mastercard Airport Concierge™;
    • Extended Warranty;
    • Trip Cancellation;
    • MasterRental Insurance;
    • MasterAssist Travel Assistance Services;
    • MasterRoadAssist® Roadside Service;
    • Lost and Damaged Luggage Insurance;
    • Worldwide Automatic Travel Accident and Baggage Delay;
    • Price Protection;
    • Purchase Assurance;
    • ID Theft Resolution Services.
Card detail
United Federal Credit Union U First Visa®
Annual fee:
$0
Regular APR:
9.99% - 18.00% Variable
Our Rating:
3.83
scorer
Credit score
Fair to Good (580-739)
  • Purchase Intro APR:
    0% Intro APR for the first 6 months
  • Balance Transfer APR:
    9.99% - 18.00% Variable
  • Issuer name:
    United Federal Credit Union
  • Details:

    The United Federal Credit Union U First Visa® Credit Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 6 months on purchases. After that, the variable APR is 9.99% - 18.00%.

  • Pros:
    • No Annual Fee
    • Intro APR period on purchases
  • Cons:
    • No Intro APR period on balance transfers
    • No rewards
  • Benefits:
    • $500 - $50,000 card limit;
    • Roadside Dispatch®;
    • Identity Theft Protection;
    • optional Credit Life and Disability Insurance available.
Card detail
Truist Enjoy Cash Secured
Annual fee:
$19 annually
Regular APR:
21.49% Variable
Our Rating:
4.78
scorer
Credit score
No Credit History to Fair (0-669)
  • Rewards Rate:
    • 3% Cash Back on gas.
    • 2% Cash Back on utilities and groceries (with a combined $1,000 monthly cap).
    • 1% Cash Back on all other eligible purchases.
  • Balance Transfer APR:
    21.49% Variable
  • Issuer name:
    Truist Bank
  • Details:

    The Truist Enjoy Cash Secured Credit Card earns 3% Cash Back on gas, 2% Cash Back on groceries and utilities (up to the combined $1,000 monthly spend cap) and 1% Cash Back on all other eligible purchases.

    The APR for purchases and balance transfers is 21.49% Variable.

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • Annual Fee
    • High APR
    • No Intro APR period
  • Benefits:
    • 3% Cash Back on gas;
    • 2% Cash Back on utilities and groceries (with a combined $1,000 monthly cap);
    • 1% Cash Back on all other eligible purchases;
    • Monthly payment history will be reported to three major credit bureaus;
    • Visa® Zero Liability;
    • Contactless payments and mobile wallets.
Card detail
First Hawaiian Bank Heritage
Annual fee:
$0
Regular APR:
16.99% Variable
Our Rating:
3.65
scorer
Credit score
Fair to Good (580-739)
  • Purchase Intro APR:
    2.99% Intro fixed APR for your first eight billing cycles following the opening of your account
  • Balance Transfer APR:
    16.99% Variable
  • Issuer name:
    First Hawaiian Bank
  • Details:

    The First Hawaiian Bank Heritage Credit Card doesn't charge an annual fee.

    Cardholders can enjoy an interest rate of 2.99% for purchases and balance transfers for the first 8 billing cycles (16.99% Variable after that).

  • Pros:
    • No Annual Fee
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • Fraud alerts for your protection;
    • Mobile wallets;
    • Zero liability protection on unauthorized purchases;
    • Mastercard ID Theft Protection;
    • Extended Warranty;
    • MasterRental Coverage;
    • Mastercard® Global Service;
    • Mastercard Airport Concierge™.
Card detail
BMO Harris Bank Business Platinum Rewards Mastercard®
Annual fee:
$0
Regular APR:
17.49% - 26.49% Variable
Our Rating:
4.79
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5x Points for every $1 spent on all purchases.
  • Intro Offer:
    • 25,000x Bonus rewards points when you spend $3,000 within 3 months of account opening.
  • Purchase Intro APR:
    0% Introductory APR for nine months from account opening date
  • Balance Transfer APR:
    17.49% - 26.49% Variable
  • Issuer name:
    BMO Harris Bank
  • Details:

    The BMO Harris Bank Business Platinum Rewards Mastercard® Credit Card earns 25,000 points when you spend $3,000 within 3 months of account opening. The Card offers 1.5x points for every $1 spent on all purchases.

    The Card doesn't charge an annual fee.

    Save up to 25% at 40,000+ merchants – including gas, meals, office supplies, hotels and more – with Mastercard Easy Savings®.

    Get up to 20 additional cards so employees can easily make purchases and earn points on behalf of your business.

    The Card has a 0% introductory APR period for 9 months on purchases. In addition, there is a 0% introductory APR period for 9 months on balance transfers made within 90 days of account opening. After that, the variable APR is 17.49% - 26.49%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 25,000 points (when you spend $3,000 within 3 months of account opening);
    • 1.5x points for every $1 spent on all purchases;
    • Up to 25% at 40,000+ merchants;
    • Up to 20 additional cards;
    • $600 cell phone protection;
    • Extended Warranty;
    • Zero Liability;
    • Travel Assistance Services;
    • Master RoadAssist®;
    • Priceless® Cities;
    • Mastercard Easy Savings®.
Card detail