Using Apple Pay with Rewards Earning Credit Cards

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I’m not usually an early adopter in the world of technology, but I made an exception today and downloaded the newest iOS 8.1 update on my iPhone 6 which enabled me to try out Apple Pay.  This is (somewhat) relevant to miles and points because you can store different credit cards in your Apple Pay account and use those to pay at select stores to maximize various category bonuses without having to actually have them in your physical wallet.

I can say that I have successfully used Apple Pay to buy lunch.  My 64-year-old dad cracked up at me buying lunch with a cell phone.

According to MacWorld, the credit cards that currently work with Apple Pay are issued by:

  • American Express
  • Bank of America
  • CapitalOne
  • Chase
  • Citi
  • MasterCard
  • Visa
  • Wells Fargo

I thought I remembered seeing it was just Visa-issued Chase cards that work, but I haven’t tried to add a Chase MasterCard yet.  The stores that MacWorld listed as being early Apple Pay adopters are:

  • Aeropostale
  • American Eagle Outfitters
  • Babies ‘R’ Us
  • BJ’s Wholesale Club
  • Bloomingdale’s
  • Champs Sports
  • Chevron and Texaco, including retail stores like ExtraMile
  • The Disney Store
  • Duane Reade
  • Foot Locker, including Kids Foot Locker, Lady Foot Locker, House of Hoops, and Run by Foot Locker
  • Footaction
  • Macy’s
  • McDonald’s
  • Nike
  • Office Depot
  • Panera Bread
  • Petco and Unleashed by Petco
  • RadioShack
  • Six:02
  • Sports Authority
  • Subway
  • Toys ‘R’ Us
  • Walgreens
  • Wegmans
  • Whole Foods Market

Stores that are said to roll-out Apple Pay later this year:

  • Anthropologie
  • Free People
  • Sephora
  • Staples
  • Urban Outfitters
  • Walt Disney World Resort

Steps to use Apple Pay:

  • You have to have one of the newer devices like the iPhone 6 or 6 Plus.
  • Update to iOS 8.1 that was released today
  • Go into the Passbook app and add a credit card (or two).  You can use the camera to scan the card number or enter it in manually.  The cards with the info printed on the back like the Chase Sapphire Preferred did not work with the camera for me so had to be entered manually.

IMG_5957.PNG

 

  • Some cards like my Amex automatically worked while others were only activated after I entered a code that was emailed to me.
  • Hold the phone near the terminal to pay and then verify with your thumb print or four digit code.  You can select between the different credit cards you have added pretty easily.
  • It took a few extra seconds to process, but the transaction went through and displays as a recent transaction in my Apple Pay account.
Apple Pay Image

Mock-up of Apple Pay, reality is basically the same

I used Apple Pay successfully at Panera for lunch and hope to try it out at some other stores on the list soon.  Apple Pay would get really interesting for me if you could add prepaid cards or if you could use an iTunes balance to pay at other stores.  I have read that using prepaid cards is likely to come later for Apple Pay.  For now I can’t imagine this is a game changer for those with multiple rewards earning credit cards, but maybe it’s a start.

Have you used Apple Pay with your rewards earning credit cards?

 

Comments

    • Will, yes it did. Posted as Panera Bread – Restaurant/Bar/Cafe so looks totally normal on the online account as if I swiped my card.

  1. But you could have earned 5 times with a gift card from Staples!! Seriously, not a big loss of points, and an interesting article.

  2. CVS is also on the list of those stores to accept it. It will be interesting to see how it works with the new requirements to check ID over $300. Technically, there should not be a reason to ask for ID with ApplePay.

  3. Too bad they’re not doing anything like Softcard/Isis which gives you $50/month free to use their app and $20 Amazon gift certificates for each AE card loaded. Been enjoying the freebies. I guess the cool factor is payment enough for Apple users. If you have the $$ to buy the 6 who cares about saving money after the fact. Nice problem!

  4. I tried to load my Ink Bold which is still a World Mastercard. System wouldn’t let me saying it wasn’t compatable yet. But it loaded my Sapphire & United from Chase.

  5. I tried to load my United mileage plus club MasterCard and it did not work. I think it works with the United mileage explorer Visas, but I have not had such luck with my United mileage plus club MasterCard

    • Daniel, I thought I had seen Chase Visa cards specifically listed somewhere, so sounds like that is accurate. Thanks for the data point!

      • I called Chase and they confirmed, no United Mastercards will work, so I asked them to transfer my card to a Visa. The woman said the cannot do that, but I asked to speak to a manager and the manager let me transfer my United MileagePlus Club MasterCard to a Visa. Not ideal, but at least the Visa will work!

    • Jerry, yeah I haven’t seen Barclaycard listed in the initial rollout. I know my US Airways card did not work either.

  6. Just got off the phone with Chase. Only their VISA cards work with Apple Pay. Their Mastercards are not working nor is there a plan to do so in the near future.

  7. A few have asked about the Chase Ink cards. Apple’s initial roll out is focused on consumer cards only, so small business and corporate cards are not part of the roll out in the near future. Sorry for that bad news!

  8. But the question remains… Yes obviously you can USE the card. But if you’ve read the Chase user agreement, it clearly states that if you use a pass-through system to make purchases such as paypal, you do not accrue points. So I assumed that this also meant that if I used Apple Pay that I would not receive points.

    In essence the terms state that the actual card must be swiped to earn points.

    Is there a website with definitive proof that I will receive my Chase points when using apple pay.

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