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iPhone Users: Possible New Way to Unlock Big Sign-Up Bonuses!

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    Update:   Apple Pay person-to-person payments will be free when you use a debit card, but they’ll charge 3% for payments made with a credit card.

    If you’re an iPhone user, you may soon have a new way to help meet your credit cards’ minimum spending requirements!

    According to Running With Miles, Apple is introducing person-to-person payments to Apple Pay this fall.  So folks with iPhones will be able to send friends money through iMessage!

    Need to Pay a Friend Back For Buying You Lunch? Use Apple Pay to Make a Person-to-Person Payment, and Earn Miles & Points in the Process!

    Here’s more about this news, and what it means for you.

    Use Apply Pay to Earn More Miles

    Beginning in Fall 2017, Apple will roll out person-to-person payments through Apple Pay.  So anyone with an iPhone will be able to send and receive payments via iMessage!

    This is exciting news for folks in the miles & points hobby, because this presents another possible way to meet cards’ minimum spending requirements.  Or, to earn more miles & points for payments you’re already making.

    Need to pay a friend back for last night’s dinner?  Send them a payment from your iPhone, and put a dent in your new credit card’s minimum spending requirement at the same time!

    Apple Gave Everyone a Sneak Peek of Their Person-to-Person Payment System During Their Annual Worldwide Developers Conference

    Potential Drawbacks

    What we don’t know is what kind of fees and limits will be attached to these person-to-person payments.  But it looks a lot like Venmo, another person-to-person payment system.

    With Venmo, debit cards are free, but they charge a 3% fee for using credit cards.

    If there are fees with Apple Pay’s system, you’ll need to do the math to see what makes sense for you.

    And if you’re looking for more ideas on ways to meet minimum spending requirements, check out this post!

    Bottom Line

    Beginning Fall 2017, folks with iPhones will be able to use Apple Pay to send and receive person-to-person payments through iMessage.

    We don’t know the details of Apple Pay’s new person-to-person payment system, like whether there will be limits or fees per transaction.  But I’m certainly hoping they’ll be free!  Because then, you could easily pay back your friend for last night’s dinner and work towards unlocking a card’s sign-up bonus at the same time.

    If you’re an iPhone user, do you plan on using Apple Pay’s latest feature once it’s available?

    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! :)