Best Free Credit Card Reader Apps

243+ iOS apps curated and reviewed

4.3 avg rating
20 free apps
Updated September 2026

Whether you're new to free credit card reader or looking for an upgrade, our curated collection of 243+ iOS apps has something for everyone. Each app is reviewed and rated by real users, helping you make an informed decision.

Compare top Free Credit Card Reader Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Square Point of Sale (POS)Square Point of Sale (POS)Free4.8★ (604K)NoNoSep 2026
2Credit Card Terminal & ReaderCredit Card Terminal & ReaderFree2.9★ (14)NoNoSep 2026
3Elan Credit CardElan Credit CardFree4.8★ (196K)NoNoSep 2026
4Atlas - Rewards Credit CardAtlas - Rewards Credit CardFree4.7★ (273K)NoNoSep 2026
5AmexAmexFree4.9★ (4.4M)YesNoSep 2026
6PREMIER Credit CardPREMIER Credit CardFree4.8★ (594K)NoNoSep 2026
7Discover MobileDiscover MobileFree4.9★ (5.2M)NoNoSep 2026
8MaxRewards Credit Card RewardsMaxRewards Credit Card RewardsFree4.5★ (17K)NoNoSep 2026

Top Picks for Free Credit Card Reader

Square Point of Sale (POS)#1

Square Point of Sale (POS) by Block, Inc.

Payments & Business Dashboard
Editor's Choice
💼 Business
4.8😐(604K ratings)
Free
#30in Business
Square Point of Sale (POS) screenshot 1
Square Point of Sale (POS) screenshot 2
Square Point of Sale (POS) screenshot 3
Square Point of Sale (POS) screenshot 4
Square Point of Sale (POS) screenshot 5
Square Point of Sale (POS) screenshot 6

This all-in-one payments processing app helps businesses of all types manage operations, accept payments, and boost profits. It offers industry-specific modes for retail, restaurants, services, and beauty businesses, with features like inventory management, online booking, and invoicing.

What We Love

  • 👍 Convenient and easy to use
  • 🚀 Quick transactions and payouts
  • 💡 Useful reporting and inventory management features
  • 👍 Professional and sleek hardware design

Room to Improve

  • 🐛 Connectivity issues with card readers
  • 🔒 Concerns over account deactivation and fund holds
  • 🤖 Poor customer service and lack of live support
  • ⏱️ Slow fund transfers and delays in payouts
Credit Card Terminal & Reader#2

Credit Card Terminal & Reader by Inner Fence, LLC

Swipe Point of Sale (Stripe)
Strong Contender
💼 Business
2.9😐(14 ratings)
Free
Credit Card Terminal & Reader screenshot 1
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Credit Card Terminal & Reader screenshot 3
Credit Card Terminal & Reader screenshot 4

Transform your mobile device into a portable credit card reader. Accept payments anywhere, swipe or key in card details, and manage transactions securely. Send digital receipts with location data and capture tips or sales tax.

What We Love

  • 👍 Easy to use
  • 🚀 Convenient for mobile businesses
  • 💡 Impressive customer support
  • 🚀 Quick setup and activation
  • 👍 Reliable and works well

Room to Improve

  • 💰 Expensive monthly fees
  • 💰 High transaction fees
  • 🔒 Concerns about security and hidden charges
  • 🐛 Unreliable service and account issues
4.8😐(196K ratings)
Free
Elan Credit Card screenshot 1
Elan Credit Card screenshot 2
Elan Credit Card screenshot 3
Elan Credit Card screenshot 4
Elan Credit Card screenshot 5
Elan Credit Card screenshot 6

Manage your credit card account conveniently on the go. Securely log in, view your balance and transactions, make payments, and control card access. Receive timely alerts for added security and account management.

What We Love

  • 🚀 Great app
  • 👍 Easy to navigate
  • 🔒 Secure login
  • 💳 Helpful for managing credit card
  • 💳 Good for building credit
  • 💳 Reliable credit card service

Room to Improve

  • 🐛 Frequent login issues
  • 🐛 App crashes or shows blank screen
  • 🐛 Face ID/Touch ID not working
  • 🐛 Inconsistent performance
  • 🐛 Difficult to access account information
  • 🔑 Too many security steps required

More Free Credit Card Reader apps to explore

FAQ about Free Credit Card Reader

What are the best free credit card reader apps for iPhone?
Square Point of Sale (POS) tops our free credit card reader apps ranking as of September 2026, with a 4.8-star average from 604K App Store ratings, and it's free to download.
Square Point of Sale (POS) has no ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 243+ free credit card reader apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.
Square Point of Sale is an all-in-one payments processing app designed to help businesses manage operations, accept various payment methods, and improve profitability. It offers tailored features for different industries like retail, restaurants, services, and beauty.
Key features include accepting payments in person, online, or over the phone with major credit cards, debit cards, digital wallets, and more. It also provides industry-specific modes with functionalities like inventory management, online booking, invoicing, and real-time business reports.