Best Loyalty Points Payment Apps

25+ iOS apps curated and reviewed

4.1 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˜… (210K)YesNoAug 2026
2Apple WalletApple WalletFree4.8โ˜… (6.7M)YesNoAug 2026
3Heartland Guest AppHeartland Guest AppFree1.8โ˜… (898)NoNoAug 2026
4Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9โ˜… (2.3M)YesNoAug 2026
5LoyLapLoyLapFree4.7โ˜… (307)NoNoMay 2026
6CrediMax DigitalCrediMax DigitalFree2.0โ˜… (9)NoNoAug 2026
7qlub Plusqlub PlusFree3.1โ˜… (15)NoNoAug 2026
8Grounds For CoffeeGrounds For CoffeeFreeโ€”NoNoAug 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˜(210K ratings)
FreeAds
#92in Finance
Bilt Rewards screenshot 1
Bilt Rewards screenshot 2
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

Room to Improve

  • ๐Ÿ› Unreliable payment processing
  • ๐Ÿ”’ Security concerns and fraud issues
  • ๐Ÿ‘Ž Confusing and cluttered app interface
Apple Wallet#2

Apple Wallet by Apple

Apple Pay, Apple Card and more
Strong Contender
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
Heartland Guest App#3

Heartland Guest App by Heartland Payment Systems, Inc.

Worth Considering
๐ŸŒŸ Lifestyle
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

More Loyalty Points Payment apps to explore

4
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
5
LoyLap
LoyLap
LoyLap
Rewarding Payments
Free

This app acts as a digital wallet for your favorite businesses, allowing you to earn loyalty rewards and make payments seamlessly. It consolidates your loyalty programs and payment options into a single, user-friendly interface.

Digital walletEarn loyalty rewardsMake payments
๐Ÿ’ฐ Finance
(307)
free
6
CrediMax Digital
CrediMax Digital
CrediMax Digital
Elevate Payment Experience!
Free

Manage your finances with a modern interface and powerful tools. Check balances, make payments, apply for new cards, and earn rewards effortlessly. Experience a simple, secure, and rewarding financial journey.

All-in-One DashboardEasy Payments to CardsQuick Card Applications
๐Ÿ’ฐ Finance
(9)
free
7
qlub Plus
qlub Plus
qlub Plus
Rewards at exclusive venues
Free

Discover top restaurants and cafes with exclusive perks and discounts. Explore new dining spots, stay updated on promotions, and manage your rewards all within one convenient application.

Explore restaurants and cafesExclusive rewards and discountsView transaction history
๐ŸŒŸ Lifestyle
(15)
free
8
Grounds For Coffee
Grounds For Coffee
Grounds For Coffee
Order, pay and earn points
Free

Order your favorite coffee and pay seamlessly with your phone. Earn rewards through a new loyalty program for every purchase. Enjoy the convenience of preparing your order ahead of time.

Order aheadScan to payLoyalty program
๐Ÿ” Food & Drink
(0)
free
9
PriceLOCQ
PriceLOCQ
PriceLOCQ
The Ultimate Fuel Tipid App!
Free

This app allows users to earn rewards and save on fuel purchases with a partner gas station. Users can lock in fuel prices, manage their budget, and pay for fuel and other services using an in-app balance.

Earn rewards and save on fuelLock in fuel pricesManage fuel budget
๐Ÿ’ฐ Finance
(79)
free with in-app purchases
10
LoyLap Merchant
LoyLap Merchant
LoyLap Merchant
Rewarding Payments
Free

This platform simplifies business transactions, reduces costs, and provides insights for better decision-making. It offers tools for gift cards, customer loyalty programs, and online ordering, helping businesses acquire new customers and increase lifetime value.

Smart payment platformGift card managementCustomer loyalty programs
๐Ÿ’ฐ Finance
(1)
free
11
Paynet Wallet
Paynet Wallet
Paynet Wallet
by PayPoint LLC
Free

Manage your finances with an e-wallet offering payment accounts in Moldova and EU countries. Open an account in minutes, get a debit card, and enjoy free withdrawals and real-time transaction alerts. Control your card settings and make effortless local and international transfers.

Open payment accounts in Moldova and EUVirtual or physical Mastercard debit cardFree ATM withdrawals in Moldova
๐Ÿ’ฐ Finance
(17)
free
12
GoTab POS
GoTab POS
GoTab POS
by GoTab, Inc.
Free

This application streamlines sales for various businesses like restaurants, stores, and event vendors. It offers real-time synchronization with other POS systems and kitchen displays, managing tabs, orders, payments, inventory, and customer data.

Real-time sales synchronizationKitchen display system integrationTab and order management
๐Ÿ’ผ Business
(3)
free
13
BoltBetz
BoltBetz
BoltBetz
Lightning-Fast Slot Play
Free

This app allows users to play slot machines without cash. Deposit funds into a digital wallet, connect to machines via QR code, and play instantly. Track loyalty points and receive personalized offers for a modern gaming experience.

Cashless slot machine playIn-app digital walletQR code machine connection
๐ŸŽฌ Entertainment
(9)
free
14
Mezzofy CASHIER
Mezzofy CASHIER
Mezzofy CASHIER
by Mezzofy (Hong Kong) Limited
Free

This point-of-sale application helps merchants expand their reach to Asian consumers through integrated online and mobile shopping platforms. It simplifies product listing, inventory management, and customer engagement tools like digital receipts and reward stamps.

One-click product listingDigital and printed receiptsAutomated reward stamps
๐Ÿ’ผ Business
(2)
free
15
Localight
Localight
Localight
Shop Local, Earn Rewards
Free

Discover local businesses and earn rewards for shopping in your community. This payment and rewards app connects you with participating merchants in select cities. Simply enter your zip code to see if it's available in your area and start supporting local economies.

Discover local businessesEarn rewards for shoppingPayment integration
๐Ÿ›๏ธ Shopping
(9)
free
16
TOKMOB Merchant POS
TOKMOB Merchant POS
TOKMOB Merchant POS
by DPS DIGITAL PAYMENT SERVICES
Free

This application is designed for merchants to manage their loyalty program transactions efficiently. It offers a streamlined experience for users within the TOKMOB Merchant ecosystem.

Loyalty program transactionsMerchant focusedEasy to use
๐ŸŒŸ Lifestyle
(1)
free
17
Huffkins
Huffkins
Huffkins
by Huffkins
Free
๐Ÿ” Food & Drink
(0)
18
Shabo Pay - Merchant
Shabo Pay - Merchant
Shabo Pay - Merchant
See it, Pay it, Sorted!
Free
๐Ÿ’ฐ Finance
(0)
19
Avankart Partner
Avankart Partner
Avankart Partner
Accept payments with QR code
Free
๐Ÿ’ฐ Finance
(0)
20
Avankart People
Avankart People
Avankart People
Smart payments smart discovery
Free
๐Ÿ’ผ Business
(0)

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 210K 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.
Bilt Rewards transforms your rent payments into valuable points. You can earn points on rent, build your credit history by having your payments reported to credit bureaus, and access exclusive benefits at local businesses in your neighborhood. These points can then be redeemed for a variety of rewards.
You earn Bilt Points primarily by making on-time rent payments. Additionally, you can earn extra points by using linked cards at participating Neighborhood Benefitsโ„ข partners, such as restaurants, fitness studios, and on Lyft rides. The app also offers Rent Dayยฎ rewards with limited-time benefits each month.