# Pay with Rewards > Spend Mastercard rewards points as cash at participating locations worldwide. (iPhone/iPad app by Mastercard International Incorporated.) - Source: https://appshunter.io/ios/app/pay-with-rewards/id1027130748 (this page in markdown: same URL + `.md`) - Developer: [Mastercard International Incorporated](https://appshunter.io/developer/309754131) - Category: Finance - Price: Free - Rating: 4.20/5 from 78 App Store ratings · 209 written reviews indexed - Age rating: 4+ - Requires: iOS 13.0 · 56 MB - Languages: American English, Arabic, French (France), Polish, European Portuguese, Russian, Chinese (Simplified, China), European Spanish, Chinese (Traditional, Taiwan), Ukrainian - Released: 2015-09-14 - Data updated: 2026-08-27 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/pay-with-rewards/id1027130748/reviews.md ## What is Pay with Rewards? Mastercard Pay with Rewards is only available on certain Mastercard cards. Please check with your issuer of your card for availability. Pay with Rewards allows you to spend your points like cash at millions of participating locations worldwide. This app allows you to connect a Mastercard card and configure when and where your points will be redeemed. When using your card, your payment is processed as normal. If you choose to redeem points you will receive a statement credit to your card. Getting Started * Connecting your card to the Pay with Rewards app is simple: enter your Pay with Rewards-enabled Mastercard card number and establish a four digit app PIN. The PIN will be used by the app to protect your personal settings and information. * Answer the security questions. Your questions are based on information your financial institution has on file. Select any one question from the list. If you have questions or are not able to proceed, please contact the issuer of your card. * The home screen will show your points balance, the cash equivalent of your points balance, and your current Pay with Rewards setting. Turn Pay with Rewards on for subsequent purchases, or leave it off and choose from recent purchases eligible for redemption under Activity. ## Key features - Spend points like cash - Connect Mastercard card - Configure redemption settings - Receive statement credits - View points balance - Secure PIN protection ## What do users think of Pay with Rewards? Overall sentiment: negative **Pros** - 🚀 Simple and efficient - 👍 Works great with Rogers Bank - 🚀 Easy to redeem rewards **Cons** - 🐛 Crashes frequently - 🐛 Fails to load or log in - 🐛 Forgets card details - 🐛 Unreliable tracking of purchases and rewards - 👎 Unclear how rewards are calculated - 👎 Majority of purchases deemed ineligible for redemption **Commonly reported bugs** - One-time passcode delivery issues - Stuck on terms and conditions screen - White screen or crashes on launch - Randomly logs out users and requires re-registration **Most requested features** - Ability to view transaction history and points earned per purchase - Option to redeem rewards through website instead of just the app - Improved stability and consistency across updates ## Recent user reviews (10 of 209) All indexed reviews: https://appshunter.io/ios/app/pay-with-rewards/id1027130748/reviews.md ### 1/5 — Rubbish *2026-03-01, version 8.0.3* 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. ### 1/5 — A heaping pile of garbage on wheels *2026-02-28* 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. ### 1/5 — Logs me out all the time *2026-02-24, version 8.0.3* 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. ### 1/5 — Never works *2026-02-10, version 8.0.3* 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 ### 1/5 — Terrible *2026-01-31, version 8.0.3* 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 ### 1/5 — Poor functionality *2026-01-04, version 8.0.2* The app keeps logging me out then asks for card number every single time. Now, I can’t even log in because when it’s at the OTP screen it gives error “Something went wrong. Phone number incorrect…”. My phone number is correctly setup in the bank’s app and works for my bank’s OTPs. ### 1/5 — ‘Oops, something’s wrong, try again’ *2025-12-18, version 8.0.2* Really bad - hardly ever works and could be much simpler to follow / use if it worked. Makes me want a different card ### 3/5 — Getting better??? *2025-11-30, version 8.0.2* So after almost 12 months of not tracking I have suddenly discovered to have £42 worth of points. Redeemed immediately and it actually worked!!! Hopefully things are only going to get better. ### 1/5 — Very unstable, can’t even load landing page *2025-11-16, version 8.0.2* If you ever try to go and check your bonuses most probably the app won’t even load ### 1/5 — Poor rewards *2025-11-02, version 8.0.2* Not all purchases generate a reward. Those that do are a very low rate compared to other banks ## Frequently asked questions about Pay with Rewards ### 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. ## Version history (last 5 releases) ### 8.0.5 — 2026-05-20 Bug fixes and UI enhancements. ### 8.0.4 — 2026-04-01 Bug fixes and UI enhancements ### 8.0.3 — 2026-01-23 Bug fixes and UI enhancements ### 8.0.2 — 2025-10-30 Bug fixes and UI enhancements ### 8.0.1 — 2025-08-21 Revamped home page with a fresh new look while retaining all familiar features ## Apps similar to Pay with Rewards | App | Rating | Price | Category | | --- | --- | --- | --- | | [Verde FUCAC](https://appshunter.io/ios/app/verde-fucac/id1615062854) | 5.0 (1) | Free | Finance | | [Llave Digital](https://appshunter.io/ios/app/llave-digital/id6464130226) | — | Free | Finance | | [RemitBee Quick Money Transfer](https://appshunter.io/ios/app/remitbee-quick-money-transfer/id983795500) | 4.6 (64) | Free | Finance | | [Pagos BBVA](https://appshunter.io/ios/app/pagos-bbva/id1182307473) | 4.2 (26) | Free | Finance | | [KRAKONS Wallet](https://appshunter.io/ios/app/krakons-wallet/id1524413440) | — | Free | Finance | | [Continental Bank](https://appshunter.io/ios/app/continental-bank/id1527526340) | 4.2 (5) | Free | Finance | ## More apps by Mastercard International Incorporated - [Qkr!™](https://appshunter.io/ios/app/qkr/id589799471) - [MasterCard Nearby](https://appshunter.io/ios/app/mastercard-nearby/id778074772) - [MasterCard Concierge](https://appshunter.io/ios/app/mastercard-concierge/id898290816) - [Betalingsservice](https://appshunter.io/ios/app/betalingsservice/id1061617309) - [Merchant Console](https://appshunter.io/ios/app/merchant-console/id1284979928) All apps by Mastercard International Incorporated: https://appshunter.io/developer/309754131 ## Related topics [brou](https://appshunter.io/ios/topics/brou) · [barclays gm rewards mastercard](https://appshunter.io/ios/topics/barclays-gm-rewards-mastercard) · [apps with mperks rewards program](https://appshunter.io/ios/topics/apps-with-mperks-rewards-program) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*