3 ms·

2% back at places that allow NFC payment is a major distinction. All the major credit cards seem to offer some kind of incentive to use Google Pay, Samsung Pay,

2% back at places that allow NFC payment is a major distinction. All the major credit cards seem to offer some kind of incentive to use Google Pay, Samsung Pay, Apple Pay, NFC, etc. But I expect these incentives to start to dry up when you can actually use it regularly. I've never been able to use NFC payment to buy a meal at a sit down restaurant or bar, grocery stores and Target are just barely getting it everywhere. Its hard to get excited about 2% on my in store 7-11 purchases. Samsung already destroyed the worth of their points last year when there was even a slight tick up in retailers. Theres only one fee free card I know of thats even slightly worth getting that offers true unlimited 2%, the Double Cash, and its usually not recommended because people who actually regularly use and research cards because it doesn't offer a bonus.

Rebelgecko 7y ago
FWIW, unless you're on one of their lower end phones you can also use Samsung Pay on a regular credit card reader. Most Samsung phones can emulate the mag stripe of a credit card if you hold them near the swipe area.
- peteretep 7y ago
  > Most Samsung phones can emulate the mag stripe of a credit card if you hold them near the swipe area Source for this claim?
  - gilbertbw 7y ago
    There is an article about it here: https://www.theverge.com/2015/8/13/9146965/samsung-pay-mobile-payment-credit-card-readers-date https://www.theverge.com/2015/8/13/9146965/samsung-pay-mobil...
  - Multicomp 7y ago
    See the Note 8 and 9. It works like magic
  - Rebelgecko 7y ago
    Like other people mentioned, the tech is called magnetic secure transmission. I don't have a source for "most", but it's been in all of their flagships and some of the midrange phones since the Galaxy S6 so it seemed like a safe assumption. The only 2 places it doesn't work easily for me are Trader Joe's and gas stations. There's a hacky workaround to use MST at gas stations but IMO it's not worth the effort (the pumps expect a card to be physically inserted, so you can just put in a library card or your driver's license before you hold your phone up to the reader)

Rebelgecko 7y ago

FWIW, unless you're on one of their lower end phones you can also use Samsung Pay on a regular credit card reader. Most Samsung phones can emulate the mag stripe of a credit card if you hold them near the swipe area.

peteretep 7y ago
> Most Samsung phones can emulate the mag stripe of a credit card if you hold them near the swipe area Source for this claim?
- gilbertbw 7y ago
  There is an article about it here: https://www.theverge.com/2015/8/13/9146965/samsung-pay-mobile-payment-credit-card-readers-date https://www.theverge.com/2015/8/13/9146965/samsung-pay-mobil...
- Multicomp 7y ago
  See the Note 8 and 9. It works like magic
- Rebelgecko 7y ago
  Like other people mentioned, the tech is called magnetic secure transmission. I don't have a source for "most", but it's been in all of their flagships and some of the midrange phones since the Galaxy S6 so it seemed like a safe assumption. The only 2 places it doesn't work easily for me are Trader Joe's and gas stations. There's a hacky workaround to use MST at gas stations but IMO it's not worth the effort (the pumps expect a card to be physically inserted, so you can just put in a library card or your driver's license before you hold your phone up to the reader)