Should i use google wallet

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The Motley Fool has a disclosure policy. Featured Articles. Best Online Savings Accounts for Is it Time to Switch Banks? It's becoming rarer and rarer that I actually have to pull out my wallet.

Of course, this may vary depending on where you live and the stores available to you—but it's becoming much more widespread.

You can also use it for non-physical purchases, like food delivery apps, online stores like Macy's and Target, and online ticket purchases you know, when movie theaters become a thing again. It'll work through the mobile apps and on websites though Apple Pay requires a Mac for desktop usage. As long as you have a card in your Apple or Google Pay wallet, you can order that takeout from a new app without having to type in your credit card number.

Seconds matter when pizza is on the line, guys. Whenever I evangelize Apple and Google Pay to friends, I get the same question: "But what about my credit card points? You aren't paying Apple, who then pays the retailer. When you tap your phone to pay at Trader Joe's, it works exactly as if you'd scanned your credit card—the charge shows up on your Visa bill as Trader Joe's, and you get all the points you're entitled to, including whatever extra bonus points your card applies to that category double points on groceries, for example.

You can even store multiple credit cards in your digital wallet, if you like to optimize your points by using different cards at different stores.

You'll pick one as the default that scans when you tap your phone, but you can open the Apple Pay or Google Pay app to choose a different card before scanning if you want.

Finally, as with all things digital, some folks are hesitant to switch to a service they aren't familiar with—especially since digital security hasn't had the most confidence-inducing decade.

But credit cards haven't exactly been bastions of security either—as anyone who's had their card stolen will tell you. In some ways, Apple and Google Pay are actually more secure than their plastic counterparts.

You also can use Google Pay to send money to friends and family in the U. NFC technology and virtual wallets have been shown to be safer than many other forms of payment, including credit cards not enabled with EMV Europay, Mastercard, Visa chip technology or used in places not equipped for EMV sales. Each time you make a purchase using Google Pay, the app creates a virtual account number used exclusively for that transaction.

Your information is stored securely in your mobile device, which can be protected through facial recognition or fingerprint technology. When you use Google Pay to transfer money to family or friends, or when you use a debit or credit card to make a purchase in a store or through a service, Google Pay charges no added fees.

Google Pay is a safe, convenient and healthy way to pull your frequently used rewards credit cards and debit cards — as well as your customer loyalty cards — into one app. You can streamline that bulky physical wallet, reduce the risk of lost credit cards and ramp up your rewards with this easy- to-use payment system.

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