Ready to ditch the plastic and embrace the ease of Apple Pay with your Chase Bank account, even if your physical card hasn't arrived yet or is simply out of reach? You've come to the right place! Many people think you absolutely need the physical card in hand to set up Apple Pay, but that's often not the case, especially with major banks like Chase.
Let's dive into how you can get your Chase credit or debit card linked to Apple Pay, bringing secure, convenient payments right to your fingertips.
Getting Started: The Chase Mobile App is Your Best Friend!
Before we jump into the steps, the easiest and most reliable way to add your Chase card to Apple Pay without the physical card present is through the Chase Mobile app. If you don't have it downloaded and set up yet, that's your first crucial step!
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| How To Add Chase Bank To Apple Pay Without Card |
Step 1: Let's Get Digital! Do You Have the Chase Mobile App?
This is where your journey begins! If you haven't already, download the Chase Mobile app from the App Store on your iPhone. Once downloaded, log in with your Chase Online Banking credentials. This app is the gateway to managing your accounts, and thankfully, it also provides a seamless way to add your cards to digital wallets.
If you're a brand new Chase customer and haven't even set up your online banking yet, you'll need to do that first. Often, you can activate your card and set up online access after your application is approved, even before the physical card arrives.
The Core Method: Adding Your Chase Card Through the Chase Mobile App
This is the recommended and most straightforward way to add your Chase card to Apple Pay without needing to manually input the card details.
Step 2: Navigate to Digital Wallets in the Chase App
Tip: Focus on clarity, not speed.
Once you're logged into the Chase Mobile app:
Sub-heading 2.1: Find Your Card and Account Services
On the main screen of the app, you'll usually see a list of your Chase accounts and cards.
Select the specific Chase credit or debit card you wish to add to Apple Pay. Tap on it to view its details.
Scroll down within the card's details. Look for a section or option labeled "Account Services" or "Customer Services."
Sub-heading 2.2: Tap into "Digital Wallets"
Within "Account Services" or similar, you should find an option for "Digital Wallets" or "Add to Digital Wallet." Tap on this option. This is Chase's built-in feature to provision your card for various digital payment services.
Step 3: Choose Apple Pay and Confirm
Now that you're in the Digital Wallets section:
Sub-heading 3.1: Select Apple Pay
You'll likely see a list of available digital wallets, such as Apple Pay, Google Pay, Samsung Pay, etc. Tap on the Apple Pay option.
Sub-heading 3.2: Initiate the Transfer
The app will guide you through the process of adding the selected card to your Apple Wallet. You might see a button like "Add to Apple Wallet" or "Set up Apple Pay."
Tap this button. Your iPhone's Wallet app will then open automatically, pre-filling the necessary card information directly from your Chase account.
Sub-heading 3.3: Accept Terms and Verify
You'll be prompted to review and accept the terms and conditions from both Apple and Chase. Read through them carefully.
Finally, Chase may require an additional verification step to ensure it's truly you adding the card. This could be a text message to your registered phone number with a verification code, an email, or even a brief phone call. Follow the on-screen instructions to complete this verification.
Alternative Method: Manually Adding Your Card (If the App Method Fails or Isn't Available)
While the Chase app method is preferred, sometimes you might need to add the card manually. This requires knowing your card details.
Step 4: Open the Wallet App on Your iPhone
Sub-heading 4.1: Access the Wallet App
On your iPhone, locate and open the Wallet app. It's the icon that looks like a wallet with credit cards.
Sub-heading 4.2: Tap the Plus Sign
In the upper-right corner of the Wallet app, you'll see a "+" (plus) sign. Tap this to add a new card.
Step 5: Choose "Debit or Credit Card" and Enter Details
Sub-heading 5.1: Select Card Type
A new screen will appear with options. Choose "Debit or Credit Card".
Tap "Continue."
Sub-heading 5.2: Manual Entry
Since you don't have the physical card to scan, you'll need to select "Enter Card Details Manually" (or similar wording, usually at the bottom of the screen).
Sub-heading 5.3: Input Card Information
This is the crucial part where you'll need your card's information. If you've just been approved for a Chase card, this information might be available in your Chase Online Banking portal or within the Chase Mobile app itself (sometimes under "Card Details" or "View Card Number").
You'll need to enter:
Your Full Name (as it appears on your card)
The 16-digit Card Number
The Expiration Date (MM/YY)
The CVV/Security Code (the 3- or 4-digit code usually on the back of a physical card; for virtual cards, this will be provided in your online banking or app).
Step 6: Verification and Activation
QuickTip: Reading carefully once is better than rushing twice.
Sub-heading 6.1: Bank Verification
After entering the details, Apple Pay will contact Chase to verify the card.
Chase will then prompt you to verify your identity. As with the app method, this is often done via:
A text message with a code sent to your phone number on file with Chase.
An email with a verification link or code.
A phone call to Chase customer service.
Choose the method that works best for you and follow the instructions.
Sub-heading 6.2: Card Activation
Once successfully verified, your Chase card will be activated in Apple Pay and ready for use! You'll see a confirmation message in the Wallet app.
Pro Tip for New Cards: "Spend Instantly"
Chase often has a "Spend Instantly" feature for newly approved cards. If you were instantly approved and haven't received your physical card, check your Chase online account or mobile app. They may provide you with a temporary card number or the full card details necessary to add it to Apple Pay immediately. This is essentially what the "Add to Digital Wallet" feature in the Chase app leverages.
Important Considerations
Internet Connection: Ensure your iPhone has a stable internet connection (Wi-Fi or cellular data) during the entire process.
iOS Version: Make sure your iPhone is running the latest version of iOS for optimal compatibility and security.
Security: Apple Pay is highly secure. Your actual card number is never stored on your device or shared with merchants. Instead, a unique Device Account Number is used for each transaction.
Debit vs. Credit: The process is largely the same for both Chase credit and debit cards.
Business Cards: Some business cards may have slightly different setup processes or may not be immediately available for digital wallet provisioning. If you encounter issues with a business card, contact Chase Business customer service.
10 Related FAQ Questions
Here are 10 frequently asked questions, along with their quick answers, related to adding Chase Bank to Apple Pay without a card:
How to check if my Chase card is eligible for Apple Pay?
Most Chase Visa and Mastercard credit and debit cards are eligible for Apple Pay. You can confirm by checking the Chase website's digital wallet section or by attempting to add it in the Apple Wallet app or Chase Mobile app.
How to find my Chase card number if I don't have the physical card?
Tip: Don’t just scroll to the end — the middle counts too.
You can usually find your full credit card number or a temporary card number within your Chase Online Banking account or the Chase Mobile app, often under the "Card Details" or "Account Services" section for your specific card.
How to verify my Chase card if I don't receive the text message?
If you don't receive a text message for verification, check if Chase has your correct phone number on file. Alternatively, Chase often provides options for verification via email or by calling their customer service number directly from the Apple Wallet app.
How to remove a Chase card from Apple Pay?
Open the Wallet app, tap on the Chase card you wish to remove, scroll down, and tap "Remove Card." Confirm your choice, and the card will be deleted from Apple Pay on that device.
How to set my Chase card as the default in Apple Pay?
In the Wallet app, tap and hold the Chase card you want as your default, then drag it to the front of the stack. Alternatively, go to Settings > Wallet & Apple Pay, and under "Default Card," select your Chase card.
How to use Apple Pay with my Chase card after setup?
To pay in stores, double-click the side button (iPhone X and later) or rest your finger on Touch ID (older iPhones), then hold your iPhone near the contactless reader. For Apple Watch, double-click the side button. For online and in-app purchases, select Apple Pay at checkout and authenticate with Face ID/Touch ID.
Tip: Read once for gist, twice for details.
How to add my Chase card to Apple Pay on other Apple devices (Apple Watch, iPad, Mac)?
For Apple Watch, open the Apple Watch app on your paired iPhone, go to "Wallet & Apple Pay," and tap "Add Card." For iPad/Mac, go to Settings (or System Settings/Preferences) > Wallet & Apple Pay, and tap "Add Card." The process is similar to iPhone for adding details and verification.
How to resolve "Card Not Added" errors when adding Chase to Apple Pay?
Ensure you have a stable internet connection, the latest iOS version, and that all card details are entered correctly. If issues persist, contact Chase customer service; there might be an issue with your account or a security flag.
How to add a newly approved Chase card to Apple Pay without waiting for the physical card?
Use the Chase Mobile app's "Add to Digital Wallet" feature. For many new Chase cards, they offer a "Spend Instantly" option that allows immediate digital provisioning without the physical card.
How to ensure my Chase card's rewards still apply when using Apple Pay?
Yes, when you use your Chase card with Apple Pay, you still earn all the rewards, points, or cashback benefits associated with that specific Chase card, just as if you used the physical card. Apple Pay simply digitizes your card for secure transactions.
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