I have it and honestly have no reason to use it because credit cards just work. This is exactly what I thought, but I started using Apple Pay, anyway, because

I have it and honestly have no reason to use it because credit cards just work. This is exactly what I thought, but I started using Apple Pay, anyway, because Discover is offering 10% cash back on all in-store Apple Pay purchases through the end of the year. That's too good to pass up. Now that I've been using it for a while, I wish it were available everywhere. It's a small thing, but taking my phone out of my pocket is the most natural thing in the world. Subjectively, the process feels smooth.