Apple Pay Card Limit Expands to 12 for iPhone X, iPhone 8, Apple Watch Series 3


It appears Apple has expanded the number of cards you can add to Apple Pay on a single device, moving beyond the previous eight debit and credit card limit.

The new limit is 12 cards and only available for iPhone X, iPhone 8, iPhone 8 Plus and Apple Watch Series 3 owners. Older iOS and Apple Watch models are still limited to eight cards.

One iPhone in Canada reader let us know he was able to add 10 cards to Wallet for Apple Pay on his iPhone X, as seen in the screenshot below:

Apple pay 8 card limit

We were able to confirm this as others have also let us know it’s possible to have more than eight cards now in Wallet for Apple Pay for these newer iOS and watchOS devices. This additional iPhone X screenshot also shows 10 cards in Wallet:

Apple pay card limit expands

It is unknown what is limiting the number of debit and credit cards to eight on older iOS and Apple Watch models, while the latest devices can get 12 cards.

Have you maxed out the number of cards in Wallet for Apple Pay?

Thanks tipster!


  • MGSayah

    Why would you have 3 SPG credit cards? (US Personal version, Canadian Personal and Canadian Business)?

  • xeronine992

    Now if only I could add my Capital One card..

    Called for something completely unrelated and asked if they had any plans on supporting it in the near future and the rep had no idea what Apple Pay was..

  • Salinger

    Yeah, I’m wishing CapOne would get on board too. It’s my main card but the only one that doesn’t work with Apple Pay.

    I too have asked a few different times since Apple Pay came to Canada and it’s always the same non-answer. Just corporate double speak for no plans. It’s frustrating too as CapOne in the US has been on Apple Pay pretty much from the beginning.

  • bbousquet

    The only reason I still have my Capital One MC is the low interest rate (around 7%) as it’s the only CC I don’t pay in full every month.

  • Salinger

    I have the Capital One Aspire World Elite MC. It’s, in my opinion, the best card in Canada. 2% earned on everything, $120 annual fee but $100 free bonus points annually making it effectively $20 annual fee, redeem any amount to fully or partially cover travel charges and pretty much every insurance coverage you can think of on a credit card. I don’t think they do the annual bonus points for new applicants though.

    As much as I love the convenience of Apple Pay, I am not about to give up this card simply because I can’t use it on my phone. Though I wish they would get on board!

  • selfish

    1. for me
    2. for I
    3. for myself

  • SOB

    Not sure why anyone would have so many cards to begin with. Can’t be good for the credit rating.