If you're an Apple enthusiast and a rewards maximizer, you'll love the combination of the Apple Discover Card and Apple Pay. The Apple Discover Card offers a 3% cashback reward on purchases made directly with Apple, including Apple devices, accessories, and services.
With Apple Pay, you can earn 3% cashback on all purchases made with the Apple Discover Card, not just those made directly with Apple. This means you'll earn a total of 6% cashback on purchases made with Apple Pay and the Apple Discover Card.
Additional reading: Discover Card Amazon Cashback
Apple Pay and Discover Card
With the release of iOS 9, Discover card members can now activate their card within Apple Pay, a mobile payment service provided by Apple Payments Services LLC.
Discover is offering an extra bonus for using Apple Pay, giving 10 percent cash back on all in-store purchases up to a total of $10,000 spent through the rest of the year.
Eligible Discover cards include Discover it, Discover it Chrome, Discover it Miles, Discover it Student, Discover it Student Chrome, Discover More, and Discover it Secured Credit Cards.
Expand your knowledge: Credit Cards or Card
To use the Pay With Rewards redemption option, you must first enroll an eligible Discover card online or in the Discover app.
Here are the steps to follow:
- Tap the Apple Pay button or choose Apple Pay as the payment method.
- Select a Discover card that has the Pay With Rewards option. Eligible cards will have a “Use Rewards” notification under the card name.
- Tap “Use Rewards.”
- Enter the amount of rewards you want to apply to your purchase. Rewards may be redeemed for any amount.
- Tap “Done.”
- Confirm the payment using Face ID, Touch ID or your passcode.
Discover’s Pay with Rewards program also allows cardholders to redeem rewards on Amazon.com and with PayPal.
Here's an interesting read: Discover Card Rewards 5
Earning Rewards Earn Rewards Shopping
Earning rewards is as easy as tapping your phone at checkout. Just look for the "Pay with Rewards" symbol at checkout.
You can earn rewards by using Discover with Apple Pay in stores, online, and in apps. With Apple Pay, you can tap, pay, and earn rewards.
To add your card to Apple Pay, go to Manage Cards and select the Add Card button. This will allow you to use your Discover card with Apple Pay.
Using Pay with Rewards
You can use Pay with Rewards to tap, pay, and earn rewards in stores, online, and in apps using Discover with Apple Pay.
Just look for the Apple Pay button at checkout, and select how much Cashback Bonus or Miles you'd like to redeem.
Eligible cards include Discover it, Discover it Chrome, Discover it Miles, Discover it Student, Discover it Student Chrome, Discover More, and Discover it Secured Credit Cards.
You can add your card to Apple Pay using your iPhone or iPad by scanning a code and following the prompts.
Adding your card to Apple Pay only takes a moment from your Discover account.
You can redeem your rewards where Apple Pay is accepted online and in-app, but in-store transactions are not supported.
Here's a step-by-step guide to using Pay with Rewards:
- Tap the Apple Pay button or choose Apple Pay as the payment method.
- Select a Discover card that has the Pay With Rewards option. Eligible cards will have a “Use Rewards” notification under the card name.
- Tap “Use Rewards.”
- Enter the amount of rewards you want to apply to your purchase.
- Tap “Done.”
- Confirm the payment using Face ID, Touch ID or your passcode.
You can also use Pay with Rewards on Amazon.com and with PayPal.
Digital Wallets
Digital Wallets are a convenient way to make purchases with your Discover Card. They allow you to pay with your mobile device, making transactions faster and more secure.
All Apple Pay transactions require authentication with Face ID, Touch ID, or passcode, ensuring an extra layer of security. Your real card number is never shared with merchants.
Digital Wallet purchases include both online and in-store purchases made with your smartphone, tablet, or wearable. You can use your device to scan a code and add your card to your digital wallet.
Google Pay transactions require authentication via a PIN, pattern, or biometric, while Samsung transactions require a PIN or biometric. Purchase authentication can be managed in the settings of your Digital Wallet.
Tokens are used in-store Google Pay purchases and other Digital Wallets, substituting for your account number each time a purchase is made. This keeps your actual card number from being shared with merchants.
Related reading: Discover Card Store
Frequently Asked Questions
Is the Apple Card an actual credit card?
Yes, Apple Card is a physical credit card that can be used anywhere Mastercard is accepted worldwide. It's a tangible card that's issued by Goldman Sachs and backed by the Mastercard network.
What is the credit score to get an Apple Card?
To get approved for an Apple Card, you'll need a FICO Score 9 of 660 or higher. Scores above 660 are considered favorable for credit approval, making it easier to get approved for the card.
Sources
- https://appadvice.com/appnn/2015/09/apple-pay-now-lets-you-use-the-discover-card-in-your-wallet
- https://www.idownloadblog.com/2023/10/10/discover-card-transaction-history-apple-wallet/
- https://www.discover.com/credit-cards/digital-wallets/applepay/
- https://www.nerdwallet.com/article/credit-cards/discover-adds-apple-pay-as-rewards-redemption-option
- https://www.discover.com/credit-cards/digital-wallets/
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