Best Afterpay Card Apps

215+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated July 2026

Whether you're new to afterpay card or looking for an upgrade, our curated collection of 215+ iOS apps has something for everyone. Each app is reviewed and rated by real users, helping you make an informed decision.

Compare top Afterpay Card Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Afterpay: Pay over timeAfterpay: Pay over timeFree4.9โ˜… (752K)YesNoJul 2026
2Cash AppCash AppFree4.8โ˜… (8.5M)NoNoJul 2026
3Apple WalletApple WalletFree4.8โ˜… (6.7M)YesNoJul 2026
4Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9โ˜… (1.7M)NoNoJul 2026
5Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9โ˜… (831K)YesNoJul 2026
6Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9โ˜… (2.3M)YesNoJul 2026
7Suave: Buy now, pay later.Suave: Buy now, pay later.Free4.7โ˜… (709)NoNoJul 2026
8Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9โ˜… (11K)YesNoJul 2026

Top Picks for Afterpay Card

Afterpay: Pay over time#1

Afterpay: Pay over time by Afterpay Holdings Ltd

Shop Now. Split your payments.
Editor's Choice
๐Ÿ›๏ธ Shopping
4.9๐Ÿ˜(752K ratings)
FreeAds
#37in Shopping
Afterpay: Pay over time screenshot 1
Afterpay: Pay over time screenshot 2
Afterpay: Pay over time screenshot 3
Afterpay: Pay over time screenshot 4
Afterpay: Pay over time screenshot 5
Afterpay: Pay over time screenshot 6

Shop your favorite brands online or in-store and split your purchases into manageable payments. Get what you want now and pay over time with flexible installment plans, including options to pay in 4 installments or monthly.

What We Love

  • ๐Ÿš€ Convenient payment plan
  • ๐Ÿ’ณ No interest or hidden fees
  • ๐Ÿค Good customer service (initially)
  • ๐Ÿ“ˆ Increasing credit limit with usage

Room to Improve

  • ๐Ÿ› App/website technical issues
  • ๐Ÿ”’ Security and privacy concerns
  • ๐Ÿค– Lack of human customer support
Cash App#2

Cash App by Block, Inc.

Money. Debit Card. Bitcoin.
Strong Contender
๐Ÿ’ฐ Finance
4.8๐Ÿ˜ž(8.5M ratings)
Free
#4in Finance
Cash App screenshot 1
Cash App screenshot 2
Cash App screenshot 3
Cash App screenshot 4
Cash App screenshot 5
Cash App screenshot 6

Easily send and receive money or bitcoin instantly. Save by rounding up change, invest in stocks or bitcoin, and get paid up to two days early with direct deposit. Features a customizable debit card with exclusive discounts.

What We Love

  • ๐Ÿ’ณ Easy money transferring
  • ๐Ÿš€ Convenient and user-friendly app
  • ๐Ÿค‘ Referral bonuses and discounts
  • ๐Ÿค‘ Free tax filing

Room to Improve

  • ๐Ÿ”’ Security issues and account hacking
  • ๐Ÿค– Poor customer service and lack of live support
  • ๐Ÿ’ฐ Unexpected fees and charges
Apple Wallet#3

Apple Wallet by Apple

Apple Pay, Apple Card and more
Worth Considering
๐Ÿ’ฐ Finance
4.8๐Ÿ˜Š(6.7M ratings)
FreeAds
Apple Wallet screenshot 1
Apple Wallet screenshot 2
Apple Wallet screenshot 3
Apple Wallet screenshot 4
Apple Wallet screenshot 5
Apple Wallet screenshot 6

Securely store and manage digital versions of your credit/debit cards, IDs, transit passes, tickets, and keys. Use it to make payments, send money, and access venues and transportation with your iPhone or Apple Watch.

What We Love

  • ๐Ÿš€ Convenient and easy to use
  • ๐Ÿ”’ Secure with Face ID/Touch ID
  • ๐Ÿ’ณ Integrates credit/debit cards well
  • ๐ŸŽŸ๏ธ Stores tickets and passes

Room to Improve

  • ๐Ÿšซ Limited ability to add loyalty/membership cards
  • ๐Ÿค” Inconsistent card detection and adding
  • ๐Ÿ’ฐ Unauthorized charges and payment issues

More Afterpay Card apps to explore

4
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Flexible payments, big savings
Free

This app allows users to pay for purchases over time with flexible payment options. It offers clear payment plans, deals, and the ability to set up automatic payments. Users can also apply for a card to use anywhere Visa is accepted for convenient installment payments.

Pay over time online and in-storeFlexible payment optionsDiscover 0% APR deals
๐Ÿ›๏ธ Shopping
(1.7M)
free with in-app purchases
5
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop & Pay in 4ยน
Free

Split purchases into 4 or 8 interest-free installments, paid bi-weekly. Use online or in-store with a virtual or physical card. Earn cashback and potentially increase spending power with on-time payments.

Split payments into 4 or 8 installmentsBi-weekly payment scheduleVirtual and physical payment cards
๐Ÿ›๏ธ Shopping
(831K)
free with in-app purchases
6
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Cashback, payments, savings
Free

Shop anywhere with flexible payment options, including interest-free installments and pay-in-30-days. Earn cashback, compare prices, track deliveries, and manage returns easily. Also offers mobile phone service.

Flexible payment optionsInterest-free installmentsUp to 10% cashback
๐Ÿ’ฐ Finance
(2.3M)
free with in-app purchases
7
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Easy shopping.
Free

Shop for items you need and pay them off over time with flexible monthly payment plans. Get prequalified instantly, then use the app to manage your purchases and payments at your favorite stores.

Pay in 4, 6, or 12 monthly installmentsInstant prequalificationShop at favorite stores
๐Ÿ›๏ธ Shopping
(709)
free
8
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Shop, pay later, build credit
Free

Access up to $1,000 to shop for various goods and pay over time with no interest or fees. Build your credit history by reporting your payment activity to credit bureaus. Apply for a credit card with rewards and no annual fee.

Access up to $1,000 to spendShop top brands on marketplacePay over time with no interest/fees
๐Ÿ’ฐ Finance
(11K)
free with in-app purchases
9
Upgrade - Mobile Banking
Upgrade - Mobile Banking
Upgrade - Mobile Banking
Rewards Checking, Loans, Cards
Free

Manage your finances with a comprehensive mobile banking app. Access rewards checking, loans, and cards. Track balances, pay bills, monitor credit, and request cash advances.

Cash back rewards on card purchasesManage personal loans and credit linesTrack credit score and receive alerts
๐Ÿ’ฐ Finance
(80K)
free with in-app purchases
10
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Flexible Shopping & Payments
Free

Shop your favorite online stores and split purchases into four interest-free payments. Manage all your orders and payment schedules in one convenient app, with optional upgrades for exclusive benefits.

Split purchases into 4 paymentsPay every two weeksManage orders in one app
๐Ÿ›๏ธ Shopping
(109K)
freemium
11
ZOOD: Buy Now, Pay Later
ZOOD: Buy Now, Pay Later
ZOOD: Buy Now, Pay Later
Shop in up to 12 installments
Free

Shop now and pay over time with flexible installment plans. Access a vast selection of products from trusted sellers and use a virtual card for seamless online purchases. Stay within your budget while getting what you need.

Buy now, pay laterUp to 12 installmentsFlexible payment plans
๐Ÿ›๏ธ Shopping
(1.3K)
free
12
PayLater - Split in 4 payments
PayLater - Split in 4 payments
PayLater - Split in 4 payments
The Only Way to Split Pay
Free

Split your purchases into four easy installments with this buy now, pay later service. Enjoy flexible payment options and secure transactions with no hidden fees. Shop at a wide network of top retailers.

Split payments into 4 installmentsFast and easy onboardingSecure PCI DSS-compliant transactions
๐Ÿ’ฐ Finance
(266)
free
13
MyCardWallet.
MyCardWallet.
MyCardWallet.
Mobilize your cards
Free

Manage your prepaid cards easily and securely. View balances, store card details, and add them to your digital wallet for contactless payments in-store or online. Quickly access full card information when needed.

View card balanceStore cards securelyAdd to digital wallet
๐Ÿ’ฐ Finance
(92K)
free
14
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
Savings, cash back, pay later
Free

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

Send and receive money globallyEarn cash back offersRequest a debit card
๐Ÿ’ฐ Finance
(6.3M)
free with in-app purchases
15
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Shop & Pay in 4ยน
Free

This app allows you to buy now and pay later with interest-free installments over six weeks. Easily split purchases into four payments, manage your budget, and discover exclusive deals from thousands of retailers. Enjoy a seamless shopping experience with flexible rescheduling options and instant approval.

Buy now, pay laterPay in 4 interest-free installmentsNo interest or hidden fees
๐Ÿ›๏ธ Shopping
(292K)
free with in-app purchases
16
OnePay โ€“ Mobile Banking
OnePay โ€“ Mobile Banking
OnePay โ€“ Mobile Banking
Bank. Borrow. Build Credit.
Free

Manage your finances with a mobile banking solution offering early pay, rewards, and high-yield savings. Access a cash rewards credit card, affordable wireless plans, and a credit builder loan. Buy now, pay later options are also available.

Early pay and rewardsHigh-yield savings accountsCash back credit card
๐Ÿ’ฐ Finance
(378K)
free with in-app purchases
17
Atlas - Rewards Credit Card
Atlas - Rewards Credit Card
Atlas - Rewards Credit Card
Earn cash back. Build credit.
Free

This app offers a rewards credit card designed for easy approval, even without credit history. It helps users build credit, save money with automatic discounts, and manage their finances securely with features like auto-pay and fraud protection.

High approval ratesBuild credit historyAutomatic savings up to 10%
๐Ÿ’ฐ Finance
(242K)
free with in-app purchases
18
Tabby: Send, spend and save
Tabby: Send, spend and save
Tabby: Send, spend and save
Take power over money
Free

Shop now and pay later with flexible four-month installments. Discover top brands, compare prices, and find nearby stores. Manage payments, track purchases, and get 24/7 customer support.

Split purchases into 4 monthly paymentsShop from top brands online and in-storeCompare prices and track deals
๐Ÿ’ฐ Finance
(83K)
free
19
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
Pay in up to 24, No late fees
Free

This financial super-app offers flexible payment options, allowing you to shop now and pay later in installments or in full. Enjoy exclusive deals, cashback rewards, and buyer protection for a secure and seamless shopping experience.

Pay in installments or in fullSign up in minutesShop at thousands of partners
๐Ÿ’ฐ Finance
(59K)
free
20
Gift card on Tbay
Gift card on Tbay
Gift card on Tbay
Gift Card
Free

This app provides real-time exchange rates for various gift cards. Users can calculate prices for different gift cards and stay updated with the latest news in the gift card market.

Real-time gift card ratesGift card price calculatorGift card news updates
๐Ÿ”ง Utilities
(2.8K)
free

FAQ about Afterpay Card

What are the best afterpay card apps for iPhone?
Afterpay: Pay over time tops our afterpay card apps ranking as of July 2026, with a 4.9-star average from 752K App Store ratings, and it's free to download.
Yes โ€” 20 of the top afterpay card apps we rank are free to download, including Afterpay: Pay over time and Cash App.
Afterpay: Pay over time shows ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 215+ afterpay card apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
Afterpay is a service that allows you to shop now and pay for your purchases over time. You can split your payments into manageable installments, typically paying in 4 over six weeks or opting for monthly payments on eligible orders.
With the 'Pay in 4' feature, you can split your purchase into four equal installments. The first payment is due at the time of purchase, and the remaining three are generally paid every two weeks over the course of six weeks.