Best Loyalty Points Payment Apps

25+ iOS apps curated and reviewed

4.2 avg rating
20 free apps
Updated July 2026

Every iPhone needs a few good loyalty points payment apps. We benchmark 25+ of them on App Store rating, freshness, and pricing, then surface the standouts so you don't have to scroll the App Store yourself.

Compare top Loyalty Points Payment Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Bilt RewardsBilt RewardsFree4.9โ˜… (232K)YesNoOct 2026
2Apple WalletApple WalletFree4.8โ˜… (7.4M)NoNoOct 2026
3Heartland Guest AppHeartland Guest AppFree1.8โ˜… (898)NoNoOct 2026
4Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9โ˜… (2.4M)YesNoOct 2026
5LoyLapLoyLapFree4.7โ˜… (312)NoNoSep 2026
6CrediMax DigitalCrediMax DigitalFree2.0โ˜… (9)NoNoSep 2026
7Qlub: Dining, Offers & RewardsQlub: Dining, Offers & RewardsFree3.6โ˜… (22)NoNoSep 2026
8Grounds For CoffeeGrounds For CoffeeFreeโ€”NoNoOct 2026

Top Picks for Loyalty Points Payment

Bilt Rewards#1

Bilt Rewards by Bilt Technologies, Inc.

Start earning points on rent.
Editor's Choice
๐Ÿ’ฐ Finance
4.9๐Ÿ˜(232K ratings)
FreeAds
#70in Finance
Bilt Rewards screenshot 1
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Bilt Rewards screenshot 3

Turn your largest monthly expense, rent, into valuable rewards. Earn points on rent payments, build credit history, and unlock exclusive benefits at local businesses. Redeem points for travel, future rent, or even a down payment on a home.

What We Love

  • ๐Ÿš€ Easy to use app
  • ๐Ÿ’ก Earn points on rent payments
  • ๐Ÿ‘ Great rewards program
  • ๐Ÿš€ Streamlined functionality
  • ๐Ÿ‘ Convenient rent payment options
  • ๐Ÿ‘ Helpful customer service

Room to Improve

  • ๐Ÿ› Unreliable payment processing
  • ๐Ÿ”’ Security concerns and fraud issues
  • ๐Ÿ‘Ž Confusing and cluttered app interface
  • ๐Ÿ‘Ž Poor customer support experience
  • ๐Ÿ› Bugs and technical issues
  • ๐Ÿ‘Ž Difficult to manage account and payments
Apple Wallet#2

Apple Wallet by Apple Inc.

Apple Pay, Apple Card and more
Strong Contender
๐Ÿ’ฐ Finance
4.8๐Ÿ˜Š(7.4M ratings)
Free
Apple Wallet screenshot 1
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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
  • ๐Ÿ  Stores digital keys and IDs

Room to Improve

  • ๐Ÿšซ Limited ability to add loyalty/membership cards
  • ๐Ÿค” Inconsistent card detection and adding
  • ๐Ÿ’ฐ Unauthorized charges and payment issues
  • ๐Ÿ” Lack of customization options (nicknames, images)
  • ๐Ÿ‡จ๐Ÿ‡ฆ Limited support for Canadian features
1.8๐Ÿ˜ž(898 ratings)
Free
Heartland Guest App screenshot 1
Heartland Guest App screenshot 2
Heartland Guest App screenshot 3
Heartland Guest App screenshot 4
Heartland Guest App screenshot 5

Earn loyalty points by scanning receipts at participating restaurants. Track your points, unlock higher reward levels, and redeem them for better rewards. You can also pay your tab directly from your phone and order ahead to skip the line.

What We Love

  • ๐Ÿš€ Scan to pay
  • ๐Ÿš€ Contactless payments
  • ๐Ÿš€ Quick and efficient
  • ๐Ÿ‘ User-friendly

Room to Improve

  • ๐Ÿ› App doesn't work
  • ๐Ÿ› Unable to create account
  • ๐Ÿ› Payment issues
  • ๐Ÿ› Unreliable QR code scanning
  • ๐Ÿ”’ Cybersecurity concerns
  • ๐Ÿ’ค Complicated setup process
  • ๐Ÿ™…โ€โ™€๏ธ Requires account creation to pay

More Loyalty Points Payment apps to explore

FAQ about Loyalty Points Payment

What are the best loyalty points payment apps for iPhone?
Bilt Rewards tops our loyalty points payment apps ranking as of July 2026, with a 4.9-star average from 232K App Store ratings, and it's free to download.
Yes โ€” 20 of the top loyalty points payment apps we rank are free to download, including Bilt Rewards and Apple Wallet.
Bilt Rewards shows ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 25+ loyalty points payment apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.