Best Google Pay Credit Cards of 2025

• No Annual fee

• No Intro APR reriod

• $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*;
• 1.5% unlimited cash back on every purchase;
• No annual fee;
• See if you qualify in seconds with no impact to your credit score;
• Combine the flexibility of a card with the predictability of a personal loan;
• Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more;
• Up to 10% cash back from your favorite brands with Upgrade Shopping;
• Contactless payments with Apple Pay® and Google Wallet™;
• Mobile app to access your account anytime, anywhere;
• Use your card anywhere Visa is accepted;
• Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy.

*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. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.

• Every Purchase Earns You Cash Back
• Increased Cash Back for Three Categories
• No Limits Abroad

• You Can’t Withdraw Cash
• Cash Back Doesn’t Satisfy Your Monthly Payments

• $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*;
• 3% unlimited cash back on every purchase in Home, Health, and Auto categories;
• No annual fee;
• Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more;
• Up to 10% cash back from your favorite brands with Upgrade Shopping;
• No touch payments with contactless technology built in;
• See if you qualify in seconds with no impact to your credit score;
• Great for large purchases with predictable payments you can budget for;
• Mobile app to access your account anytime, anywhere;
• Use your card anywhere Visa is accepted;
• Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy.

*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. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.

• No Foreign Transaction Fee
• High rewards rate

• No Intro APR period
• $95 annual fee (for non-plus members)

• Up to 10% Cash Back on purchases with eligible brands;
• 1.5% Cash Back on everything else;
• Visa® Zero Liability.

• No Annual Fee

• No Intro APR period
• Foreign Transaction Fee

• 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.

• No Annual Fee

• Foreign Transaction Fee
• No Intro APR period
• High APR

• 5% Cash Back on your first $2,000 in combined eligible purchases each quarter in two categories you choose;
• 5% Cash Back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center;
• 2% Cash Back on eligible purchases in your choice of one everyday category (like gas stations and EV charging stations, grocery stores and restaurants);
• 1% Cash Back on all other purchases;
• Fraud protection;
• Choose your payment due date.

• No Annual Fee
• Intro APR period

• Foreign Transaction Fee

• Save up to 25% at 40,000+ merchants;
• Extended Warranty;
• Zero Liability;
• Digital Payments;
• MasterRental®;
• Mastercard Global Service™;
• Master RoadAssist®;
• Travel Assistance Services;
• Priceless® Cities;
• Mastercard Easy Savings®;
• Discounts on Intuit Quickbooks and TurboTax;
• Up to 20 additional cards;
• $600 cell phone protection.

• No Annual Fee
• Intro APR period

• Foreign Transaction Fee

• 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®.

• No Annual Fee

• Foreign Transaction Fee

• 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™.

• No Foreign Transaction Fee

• Annual Fee
• High APR
• No Intro APR period

• 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.

• No Annual Fee

• Foreign Transaction Fee
• High APR

• $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.