Discover Now Lets Cardholders Redeem Rewards With Apple Pay

Wednesday, November 8th, 2017

Sometimes it’s hard to remember to redeem your credit card rewards: an astounding percentage of cash back rewards are never used, probably because cardholders didn’t realize they even had them, or didn’t know how to redeem them.

For Discover card members who aren’t sure how to go about using their cash back credit card rewards, life just got a little bit easier. Customers can now receive their cashback bonus as a statement credit, via Apple Pay. Discover is the first major credit card issuer to partner with Apple Pay to allow cardholders to redeem their rewards using their iPhones. Apple Pay is a secure, easy, and private way to pay for purchases, anywhere that accepts it as a method of payment.

Discover’s vice president of e-business, Szabolcs Paldy, says customers can access their cash back reward with only two taps of the screen. “Customer experience hinges on embracing mobile-first technologies like Apple Pay, and this new ability will make Cashback Bonus redemption even easier and more convenient for our cardmembers.”

How to redeem Discover cash back bonuses through Apple Pay

To use their cash back bonus to make a purchase, Discover cardmembers must have an iPhone 6 or newer model, and must be running the latest version of the Discover Mobile app on their phone. They must also have added their Discover card to Apple Pay, and their rewards balance must be higher than the amount they are planning to pay during their purchase. Cardmembers cannot apply their bonus to just part of the purchase; it must cover the whole amount.

They will then make a purchase using their Discover card on their iPhone, using Apple Pay. They may do this with on online purchase, or at the register of a brick and mortar store that accepts Apple Pay and Discover. Simply select, “Tap for Details” under the Discover redemption message in the Apple Wallet, and then tap to redeem the cash back bonus as a statement credit in the amount of the purchase.

When customers use Apple Pay and Discover, card numbers are not stored on the iPhone itself, and every transaction is encrypted for utmost security. Using cash back bonuses with Apply Pay will hopefully increase the amount of rewards that customers take advantage of, by making it easy and convenient to redeem rewards.

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