philemer

Mod hat on-

This thread has morphed WAY off topic. We need to get back to the topic of the thread title. I'm going to close the thread for a bit and give everyone a chance to take a deep breath and remember the topic of the thread- The Altitude Reserve Card.

Future off topic posts will be deleted.

Thanks in advance for your cooperation.

Mod hat off-

milypan

Apple Pay can be used for in-store transactions or to pay in Safari or in apps. I actually find it to be much more helpful in Safari/apps than in stores because swiping your card in the store just isn't that hard. The Safari feature is recent, however, so it isn't yet as widely supported as Visa Checkout. I have at least one specific site in mind that one could legitimately make very large payments through using Visa Checkout.

A bunch of the mobile wallets have announced upcoming Visa Checkout support over the past year. So the question is, when this finally happens, if you were to pay on a website via Visa Checkout using an AR card added to Android Pay, would it code as a mobile wallet payment? See where I'm going with this?

yugi

I don't think so. So far PayPal integrated with Android Pay, but I can't pay with AP on the sites where PayPal is supported. PayPal actually said in the help topic that you will be able to do that. So it's useless for AR right now. You can use Android Pay in many apps right now, but not on a websites yet. How many websites support Apple Pay?

milypan

I don't think there's an exhaustive list. They give some of the higher profile examples here ("Use Apple Pay on these apps and on these websites..); I've personally used it on Groupon and Eat24 among others. It's fantastic from a user-experience standpoint. From a pure earnings perspective it doesn't interest me too much though, because my HH already has an ATT AM card and a CSR card, and probably >95% of our online purchases are either retail (AM) or travel-related (CSR). There are just one or two specific sites that aren't retail/travel where I'd really like to be able to pay with something that earns more than 1x (though 2x on BBP will be a pretty good fallback).

The Apple Pay Safari feature has been out for less than a year, and the Android Pay equivalent doesn't even exist yet. VC started in 2013, so naturally it has more widespread support today, including at one of my specific sites of interest. My read of announcements like this one is that the Android Pay + VC partnership would allow you to pay with Android Pay at any website that uses VC. But the announcement is vague, and they've missed their "early 2017" promise pretty badly now, so it's hard to say what to expect at this point.

mikesyr18

You don't swipe your card at most places anymore. Now is the time to learn mobile payment since people are learning chip anyways. I think this card is great in the sense that it gives bonus points to encourage learning something new.

I also don't believe internet purchases with Apple or Android Pay will count as mobile wallet purchases; hence, the word mobile in the name. A computer isn't considered a mobile device, not even a laptop,

CJS415

I just pulled the trigger and applied for the card today. It's too bad there aren't many data points yet on how transactions code, and yes I know it just came out. I would be very surprised if paying through Apple Pay codes differently whether on a phone, watch, laptop, or desktop computer. My Uber transactions through Apple Pay don't say "Uber - via iPhone" on my CSR.

tmiw

Wouldn't the travel transactions code mostly the same as they do with the CSR considering both are Visa? If so, this thread might be helpful.

Also, my experience with other cards and Apple Pay is that they code the same as swiping or inserting. I haven't found any instance yet where that isn't the case.

milypan

To be clear, when you use Apple Pay in Safari, the transaction is still occurring on the phone (or watch). The computer is basically handing it off to the phone, so it wouldn't work if your phone were in Airplane Mode or if you weren't signed into your iCloud account on both devices.

Anyone with an AR card and an iPhone could easily test whether these transactions earn 3X or 1X in any number of apps or websites that support Apple Pay. Unfortunately I don't have an AR card yet, or else I would.

yugi

On Amex I see Sampay prefix in transaction descriptions, but not in Visa cards.
For me everything codes as 3x, since I pay this card with Samsung pay only, I don't even carry the card with me.
I also ditched a lot of other cards from my wallet. No need to carry when you use Samsung Pay.

pdxer

Unless the person is using a MacBook with a TouchID sensor/secure element, No phone required.

milypan

Touché.

mikesyr18

The idea is to use your phone to pay in the store; thus, breaking traditional American habits of swiping and being afraid of contactless for stupid reasons I won't mention here. I really don't think a purchase that begins on a computer, is handed off to a phone, and then completed online will count.

goldsoil

is anyone got the open bonus after meet the spending requirement?

tmiw

The terms on US Bank's website explicitly mention that online and in-app use of mobile wallets counts:

milypan

What tmiw said.

The length of this discussion is getting a little silly given how easy it should be for us to verify. Does nobody on this thread own an iPhone? Just go mobile order a coffee using Apple Pay in the Starbucks App and see whether it earns 3X!