I will let you know in five days when mine arrives. If you find me having a hissy-fit you'll know there is a problem. OTOH, if you find my response calm, you will know that it meets my expectations of having the same benefits and working with Apple Pay. My United Mileage Plus Award Visa card already works with Apple Pay. I am just getting it upgraded to a chip card with no account number change. I will eventually get rid of it. It just carried on grandfathered from pm United.