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We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks (such as a “Next” button) that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.
This page may include: credit card ads that we may be paid for (“advertiser listing”); and general information about credit card products (“editorial content”). Many, but not all, of the offers and clickable hyperlinks (such as a “Apply Now” button or “Learn More” button) that appear on this site are from companies that compensate us. When you click on that hyperlink or button, you may be directed to the credit card issuer’s website where you can review the terms and conditions for your selected offer. Each advertiser is responsible for the accuracy and availability of its ad offer details, but we attempt to verify those offer details. We have partnerships with advertisers such as Brex, Capital One, Chase, Citi, Wells Fargo and Discover. We also include editorial content to educate consumers about financial products and services. Some of that content may also contain ads, including links to advertisers’ sites, and we may be paid on those ads or links.
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I can’t tell you how many times I’ve been out shopping and missed the opportunity to earn category bonus points because I left the right card at home!
Android Pay, Apple Pay, and Samsung Pay are the 3 major Digital Wallets available for mobile devices. You can add credit cards to your mobile device by taking a photo or entering your account information.
Then when you’re making a purchase at the store:
Place your mobile device over the card reader
Select the credit card you’d like to use for payment
Approve the payment via fingerprint or password (Android Pay doesn’t require this step)
Digital Wallets can save you time because you don’t have to go digging through your wallet or purse to find the card you want. Your cards are right there in the app, just click the 1 you want.
Digital Wallets Can Condense Your Stack of Credit Cards Into a Single App
This can help you earn more miles, points, and cash back because you can keep more cards with you. So you’re more likely to be able to take care of those spontaneous category bonus opportunities when they come up.
Here’s a look at the 3 major digital wallet platforms:
Digital Wallet
Where It Works
Compatible Devices
Type of Cards Accepted
Android Pay
US
• Any Android device with KitKat 4.4
• If your phone doesn't come with the app, you can download it here.
AMEX, Discover, MasterCard, Visa (Chase cards currently NOT accepted)
• Apple Watch paired with iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, iPhone 5, iPhone 5c, or iPhone 5s
•iPad Pro, iPad Air 2, iPad mini 4, iPad mini 3
AMEX, Discover, MasterCard, Visa
Samsung Pay
South Korea, US
Samsung Galaxy S6, S6 Edge, S6 Edge+, or Note 5
AMEX, MasterCard, Visa (Chase & Discover cards currently NOT accepted)
Android Pay, Apple Pay, and Samsung Pay all work with many major banks. However, it’s important to note that Android Pay and Samsung Pay are currently NOT compatible with Chase cards. You also can NOT currently use Discover cards with Samsung Pay.Credit Card Terminals With This Symbol Typically Work With All 3 Types of Digital Wallet
There Are Drawbacks
Digital Wallets still aren’t accepted in many places. So for now, you’ll still need to carry physical cards with you.
Digital Wallets Have a Long Way to Go Before They Eliminate the Need for Physical Credit Cards Altogether
And not everyone can take advantage of Apple Pay and Samsung Pay because it requires a newer mobile device. Android Pay works with more phones, but you’ll need at least KitKat 4.4 to support the app.
And with only up to 3 participating countries, none of the 3 programs are very useful for folks who frequently travel overseas. That said, Apple Pay is expected to be available in Canada soon. And Samsung has plans to expand to the UK, China, and Spain later this year.
While digital wallets will make it easier to organize your credit cards and earn category bonuses, it isn’t a complete solution yet. That’s because you’re also limited to how many cards you can add. For example, you can only add up to 8 credit cards to Apple Pay and up to 10 cards to Samsung Pay.
Most folks in this hobby have more than 8 credit cards! So it would be nice to see to the capacity of digital wallets increase.
And folks who are new cardholders or who have previously registered will get cash back they earn doubled at the end of their 1st 12 billing cycles.
Here’s a look at the percent back you’ll earn:
22% cash back on regular purchases with the Discover it Cash Back card (1% cash back + 10% bonus = 11%, doubled after 12 billing cycles)
23% back on regular purchases with the Discover it Miles card (1.5% back + 10% bonus = 11.5%, doubled after 12 billing cycles)
30%cash back on up to $1,500 in spending per quarter in bonus categories with the Discover it Cash Back card (5% cash back + 10% bonus = 15%, doubled after 12 billing cycles)
So if you use your Discover it Cash Back, to spend the maximum of $10,000 you’ll earn $2,200 in cash back ($10,000 X 22%)!
The information for the Discover it Miles card has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer.$2,200+ in Cash Back Is an Fantastic Reason to Give Apple Pay a Try!
Sometimes you need an extra nudge to transition to new technology. And hopefully, we’ll see Android Pay and Samsung Pay come out with their own offers!
Bottom Line
Digital Wallets like Android Pay, Apple Pay, and Samsung Pay can help you keep your credit cards organized for quick access. And because you’ll have your cards in 1 place, you can be sure you have the right card with you for category bonus purchases.
However, you are limited by the number of cards each platform allows you to add. For example, you can only add up to 8 credit cards to Apple Pay. Plus, there are still lots of places that don’t accept digital wallet payments. So I’m looking forward to seeing this technology continue to grow and improve.
Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)
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