Best Free Credit Card Reader Apps

239+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated November 2026

Whether you're new to free credit card reader or looking for an upgrade, our curated collection of 239+ 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 (November 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Square Point of Sale (POS)Square Point of Sale (POS)Free4.8★ (608K)NoNoNov 2026
2Credit Card Terminal & ReaderCredit Card Terminal & ReaderFree2.9★ (14)NoNoOct 2026
3PREMIER Credit CardPREMIER Credit CardFree4.8★ (611K)NoNoNov 2026
4AmexAmexFree4.9★ (4.5M)YesNoNov 2026
5Atlas - Rewards Credit CardAtlas - Rewards Credit CardFree4.7★ (300K)NoNoNov 2026
6Elan Credit CardElan Credit CardFree4.8★ (208K)NoNoNov 2026
7NFC Reader - Mobile WalletNFC Reader - Mobile WalletFree4.2★ (120)YesYesNov 2026
8Self - Credit Builder & CardsSelf - Credit Builder & CardsFree4.8★ (340K)NoNoNov 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😐(608K ratings)
Free
#16in 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 payment processing app helps businesses accept payments in person, online, or over the phone. It offers industry-specific modes for retail, restaurants, services, and beauty businesses, simplifying operations and boosting revenue.

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
Credit Card Terminal & Reader screenshot 2
Credit Card Terminal & Reader screenshot 3
Credit Card Terminal & Reader screenshot 4
Credit Card Terminal & Reader screenshot 5

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😞(611K ratings)
Free
PREMIER Credit Card screenshot 1
PREMIER Credit Card screenshot 2
PREMIER Credit Card screenshot 3

Securely manage your credit card account on the go. Check balances, make payments, monitor transactions, and lock your card. Stay on top of your finances and build credit with convenient 24/7 access.

What We Love

  • 🚀 Helps build credit
  • 👍 Good for beginners
  • 🙌 Offers credit increases

Room to Improve

  • 💰 High fees and interest rates
  • 🕰️ Slow transaction updates
  • 🤯 Frustrating customer service
  • 🔒 Difficult to use payment options
  • 📉 Low credit limits

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 November 2026, with a 4.8-star average from 608K 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 November 2026.
We track 239+ free credit card reader apps on the iOS App Store as of November 2026, ranked by rating, recency, and analysis of real user reviews.