Contactless payments have transformed the way people in England shop, commute, and dine. The convenience of simply tapping your card or smartphone to make a payment has made cash almost obsolete for many. With spending limits for contactless payments increasing to £100 in recent years, the technology is now more versatile than ever. But not all credit cards are created equal when it comes to tap-and-go payments. In this guide, we’ll explore the rise of contactless payments and highlight the best credit cards in England for maximising this modern convenience.
Why Contactless Payments Are Taking Over
The popularity of contactless payments in England can be attributed to several factors. For starters, the speed and ease of tapping your card save time, particularly in busy environments like public transport or coffee shops. This efficiency has been amplified by the growing adoption of digital wallets like Apple Pay and Google Pay, which allow users to integrate their credit cards into their smartphones or smartwatches.
The Pandemic Boost
The COVID-19 pandemic further accelerated the use of contactless payments as a safer alternative to handling cash or touching PIN pads. As businesses adapted, more small and independent shops embraced the technology, making contactless payments ubiquitous across the country.
Fun Fact: In 2022, over 60% of all card transactions in the UK were contactless, according to UK Finance.
How Contactless Payments Work
At its core, contactless payment technology relies on NFC (Near Field Communication). This allows the card to communicate securely with the payment terminal when tapped or held close. Each transaction generates a unique code, ensuring that your payment details remain secure.
While contactless cards come with spending limits, digital wallets like Apple Pay often don’t, offering added flexibility for higher-value purchases.
The Benefits of Using Contactless Credit Cards
- Speed and Convenience: No more fumbling for cash or waiting for change.
- Safety: Reduced physical contact and enhanced security features protect your data.
- Integration with Digital Wallets: Many credit cards now support integration with apps like Apple Pay, Google Pay, and Samsung Pay, making payments even easier.
- Rewards Opportunities: Using the right credit card for contactless payments can help you earn cashback, points, or other perks on everyday purchases.
Best Credit Cards for Contactless Payments in England
To help you choose the ideal card for your needs, here’s a look at some of the best options for tap-and-go payments:
| Credit Card | Key Features | Why It Stands Out |
| American Express Platinum | High cashback rates, seamless integration with Apple Pay | Ideal for high spenders who want premium rewards |
| Barclaycard Rewards Credit Card | No foreign transaction fees, cashback on spending | Great for travellers and everyday use |
| Tesco Bank Clubcard Credit Card | Earn Clubcard points on every purchase | Perfect for regular Tesco shoppers |
| Halifax Clarity Credit Card | No fees for overseas spending | Best for international payments |
What to Look For in a Contactless Credit Card
Not all credit cards are equally suited for contactless payments. When selecting the right card, consider the following factors:
1. Compatibility with Digital Wallets
Many people now use their smartphones or smartwatches to make contactless payments. Ensure the credit card you choose supports integration with popular digital wallets like Apple Pay or Google Pay.
2. Rewards on Everyday Spending
If you’re using contactless payments for regular purchases like groceries, coffee, or commuting, a card that offers cashback or points for these categories can add significant value.
3. Security Features
Contactless payments are safe, but cards with added features like instant transaction notifications or biometric authentication through digital wallets offer even greater peace of mind.
4. No Foreign Transaction Fees
If you travel frequently, a card that waives foreign transaction fees is essential. The Barclaycard Rewards Credit Card is an excellent option for both domestic and international use.
A Day in the Life with a Contactless Credit Card
Imagine this scenario:
- Morning Coffee: On your way to work, you tap your card to pay for a flat white at your local café.
- Commuting: You board the tube and use the same card to tap through the contactless gates—no need to top up an Oyster card.
- Lunch Break: At lunchtime, you buy groceries and earn cashback or points for every pound spent.
- Evening Shopping: Later, you order a gift online using your digital wallet, linked to your contactless credit card.
In just one day, you’ve saved time, earned rewards, and avoided extra fees—all thanks to the right contactless credit card.
Common Myths About Contactless Payments
Despite their popularity, some myths about contactless payments persist:
- Myth 1: Contactless cards are less secure.
Reality: Transactions are encrypted, and spending limits reduce the risk of fraud. Most banks also offer zero-liability policies for unauthorised transactions. - Myth 2: You can be charged accidentally.
Reality: The card must be within a few centimetres of the terminal, and accidental payments are rare. - Myth 3: Rewards aren’t worth it for small purchases.
Reality: Small purchases add up over time, and many cards offer excellent cashback or points even on low-value transactions.
How to Maximise the Benefits of Contactless Credit Cards
- Use Contactless for Small, Frequent Transactions: Everyday purchases like groceries, coffee, and transport are perfect for contactless payments.
- Track Your Spending: Many credit card apps now provide detailed spending insights, helping you stay on budget.
- Combine Rewards Cards with Digital Wallets: Using Apple Pay or Google Pay with a rewards card can enhance security while earning you points or cashback.
- Opt for Cards with No Fees: If you’re travelling abroad, make sure your card doesn’t charge foreign transaction fees.
The Future of Tap-and-Go
As the UK moves closer to a cashless society, contactless payments have become a cornerstone of everyday life. By choosing the right credit card, you can enjoy the speed and convenience of tap-and-go technology while earning valuable rewards or saving on fees.
Take the time to compare your options and select a card that aligns with your lifestyle, whether you’re a frequent commuter, a loyal shopper, or an avid traveller. With the right tools in your wallet, contactless payments can be more than just convenient—they can be rewarding too.
