Free

Details

  • Released
  • Updated
  • September 14, 2015
  • May 20, 2026

Features

Pay with Rewards screenshot #1 for iPhone
Pay with Rewards screenshot #2 for iPhone
Pay with Rewards screenshot #3 for iPhone
Pay with Rewards screenshot #4 for iPhone
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About

This app lets you use your Mastercard rewards points like cash at millions of locations. Connect your card, set redemption preferences, and receive statement credits when you use your points for purchases.

Spend points like cash
Connect Mastercard card
Configure redemption settings
Receive statement credits
View points balance
Secure PIN protection
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What users say

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What's New in Pay with Rewards

8.0.5

May 20, 2026

Bug fixes and UI enhancements.

User reviews

Rubbish

After the update last month, it just keeps trying to redeem points after every transaction. I have checked the settings but it still does this. Please look at resolving this asap.

A heaping pile of garbage on wheels

You know how you can a feeling of confidence when using a well designed fintech app that provides visual and UI clues about what is happening and what you might do if things go wrong? This app has none of those things. Maybe that’s fine if you can use it for its intended purpose but that’s the problem. I get an error when I enter my credit card number. And then that’s the end of the journey. I have called my bank to try to get it resolved but that didn’t work out. So now I need to find Mastercard’s phone number to try and resolve the issue. This is not how a simple reward app should work in 2026.
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Logs me out all the time

Why does this log me out all the time? I input my data and few weeks later the app just logs me out and I have to input everything manually again. Been like this for years. Pathetic.

Never works

Tried downloading it twice and it couldn’t recognize my card even though it works on the web version. It also doesn’t seem to track spending accurately if at all. After having the card for almost 3 years and using everyday, there’s only 5000 points on there

Terrible

This app doesn’t work.Its waste of download.I tried so so many times & after adding all details it says something is wrong try again .please fix this app or delete it’s not working

Developer apps

User experience

🐞

Reported Bugs

4 issues

One-time passcode delivery issues

Bug

Stuck on terms and conditions screen

Bug

White screen or crashes on launch

Bug

Randomly logs out users and requires re-registration

Bug

Requested Features

3 requests

Ability to view transaction history and points earned per purchase

Feature

Option to redeem rewards through website instead of just the app

Feature

Improved stability and consistency across updates

Feature

FAQ

What does the Pay with Rewards app do?

The Pay with Rewards app allows you to use your eligible Mastercard rewards points as cash for purchases at millions of participating locations worldwide. You can connect your card, set preferences for when and where your points are redeemed, and receive a statement credit when you choose to use your points.

How do I connect my Mastercard card to the app?

Connecting your card is simple. You'll need to enter your Pay with Rewards-enabled Mastercard card number and set up a four-digit app PIN for security. You will also need to answer security questions based on your financial institution's records.

Is the Pay with Rewards app free to use?

Yes, the Pay with Rewards app is free to download and use. There are no in-app purchases or ads mentioned as part of its monetization model.

What are the benefits of using Pay with Rewards?

The primary benefit is the ability to easily spend your accumulated Mastercard rewards points like cash at a vast network of merchants. You can also view your points balance and its cash equivalent directly within the app and choose to redeem points for recent eligible purchases.

Who is eligible to use the Pay with Rewards app?

This app is only available on certain Mastercard cards. You should check with your card issuer to confirm if your specific Mastercard card is enabled for the Pay with Rewards program.