ApplyPay may screw up rewards

nutsaboutrewards · ‎10-20-2014

I signed up for ApplePay today. There were a bunch of disclosures which I read. The American Express one said that all charges will appear on your statement as "AplPay". In other words, you won't see the actual merchant OR the MCC. Because of this, I believe rewards based on categories may not be identified properly, and will only get the base reward rate. An unfortunate outcome, as this means I may stick to the magstripe or EMV at many merchants.

Amex Blue Cash Preferred (2x for $13k/yr) - 6% groceries (including GC), 3% gas, 1% everywhere else
US Bank - Cash+ (2x for 4 categories) 5% restaurants, department stores, wireless, and 1 rotating misc
Chase Amazon - 3% on amazon.com
Chase United - 2% on United/Star Alliance. Original "plat" card/grandfathered. Get 5k PQM/year.
Fidelity Amex - 2% (my main card)
Citi Double Cash - 2% (may become main card)
Fidelity Visa - 1.5% $15k, 2% > $15k/yr (sock drawer since Citi DC)
A few other EMV cards with 0% foreign exchange

Anonymous · ‎10-20-2014

We both posted about Apple Pay at the same time. But from what I've read everywhere it does not affect rewards at all.

mongstradamus · ‎10-20-2014

@nutsaboutrewards wrote:
I signed up for ApplePay today. There were a bunch of disclosures which I read. The American Express one said that all charges will appear on your statement as "AplPay". In other words, you won't see the actual merchant OR the MCC. Because of this, I believe rewards based on categories may not be identified properly, and will only get the base reward rate. An unfortunate outcome, as this means I may stick to the magstripe or EMV at many merchants.

i am going to do some experimentation on how google wallet handles bonus categories with freedom or edp.

EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16

Anonymous · ‎10-20-2014

@Anonymous wrote:
We both posted about Apple Pay at the same time. But from what I've read everywhere it does not affect rewards at all.

I don't trust this thing, honestly.

I'll keep on carrying my wallet(s)

mongstradamus · ‎10-20-2014

@Anonymous wrote:
@Anonymous wrote:
We both posted about Apple Pay at the same time. But from what I've read everywhere it does not affect rewards at all.
I don't trust this thing, honestly.

I'll keep on carrying my wallet(s)

Its very convenient , but i will still carry my wallet also. Since the amount of merchants that accept NFC payments is pretty small

EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16

heyitsyeh · ‎10-20-2014

As always, thanks for beta-testing ApplePay for those of us on the "S" track...we tested Siri and TouchID for you, now it's your turn

TU: 777 | EQ: 814 | EX: 764
Last INQ: 3/26/21
AAoA: 4y 7m
Lowest limit: Chase Freedom Visa - $13,000
Highest limit: Discover It - $56,500
Available credit: $200,600 (8 cards)

Jaylima91 · ‎10-20-2014

As of now, all my Amex transactions have been coded with the merchants name and location. Nothing coded as ApplePay

heyarrnold · ‎10-20-2014

It will not screw up rewards. All is fine! So take a deep breathe and relax

gh17 · ‎10-20-2014

Somewhat relevant -

I asked this a while back but don't think I got any concrete answers. Anyone have experience with Google wallet mobile pay and/or ISIS/softcard, and do rewards work? Preferably Google wallet since Softcard seems to only let me add Chase.

taxi818 · ‎10-20-2014

@nutsaboutrewards wrote:
I signed up for ApplePay today. There were a bunch of disclosures which I read. The American Express one said that all charges will appear on your statement as "AplPay". In other words, you won't see the actual merchant OR the MCC. Because of this, I believe rewards based on categories may not be identified properly, and will only get the base reward rate. An unfortunate outcome, as this means I may stick to the magstripe or EMV at many merchants.

This has been addressed a zillion times. And all said no affect to your rewards. So where do you get this?