Do you get points for using Apple Pay?

Tap, Pay, and Reap the Rewards: Demystifying Points with Apple Pay

The rise of contactless payments has ushered in a new era of convenience, but with it comes a common question: Do mobile wallets like Apple Pay impact my reward points? The simple answer is a resounding yes, but with a caveat. You earn the same rewards using Apple Pay (and other mobile wallets like Google Pay, Samsung Pay, and Fitbit Pay) as you would swiping or inserting your physical card.

Think of Apple Pay as a digital stand-in for your physical card. It doesn’t operate on a separate rewards system. Instead, it leverages the existing rewards program tied to the underlying credit or debit card linked to your mobile wallet. So, whether you’re grabbing a coffee, filling up your gas tank, or buying groceries, those valuable points, cashback percentages, or miles will still accumulate in your account just as they always have.

Imagine this: you’re checking out at the grocery store and realize you’ve left your wallet in the car. Instead of braving the elements (or the long walk back), you simply tap your phone on the payment terminal using Apple Pay. Not only do you avoid the hassle, but you also collect the same grocery rewards points you would have earned using your physical card.

This seamless integration of rewards is a key benefit of mobile wallets. They offer the convenience of contactless payments without sacrificing the perks you’ve come to expect from your card issuer. Essentially, Apple Pay acts as a digital proxy, transmitting the same card information securely to the merchant, ensuring you don’t miss out on any rewards.

However, it’s important to note that while the rewards remain consistent, specific bonus categories tied to your card still apply. For example, if your card offers bonus rewards for dining or travel, using Apple Pay at a restaurant or booking a flight will trigger those bonus rewards, just as using your physical card would.

In conclusion, embrace the convenience of Apple Pay and other mobile wallets without worrying about losing out on valuable rewards. You’ll enjoy the same benefits, the same points, and the same cashback, all without the need to fumble for your physical card. So, tap, pay, and reap the rewards with confidence.