iPhone Screenshots


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.

What’s New

Version 3.3.3

Improvements to transaction display, enhancements, and bug fixes.

Ratings and Reviews

4.0 out of 5
44 Ratings

44 Ratings

AlexXHh. ,


Updated review (originally 1 star)
The app has improved a lot - dark mode is now supported and everything looks alright, points work and I am able to redeem them. Things that are missing (therefore 2 stars taken) is that I don’t know how many points I earned from each transaction (if you get 1 point for each £1 spent then it’s easy, but you can get various points). I also don’t see how many points I earned since the very beginning. There is bonus for £10,000 spend, so I’d like to see how far I am from that additional bonus. Otherwise I would have to calculate points on my own. So I would advise to add column “points earned from this transaction” and “total points”.

HayesK. ,

Needs a few more features to be great!

My feedback on this app relates to all transactions never seem to update from those transaction is not eligible’ despite the points being added to the balance and being eligible transactions such as a Gousto or Sainsbury’s purchase for example. Difficult to consolidate where your points have come from. It would be much better if there was a way to see a points per transaction on the statement within the Pay With Rewards App i.e Tesco £5 (1 point) eligible.

The Unforgiven 666 ,

Requires OS to use a certain language to register in some countries

Do not limit the list of countries available in the scroll wheel to countries that speak the language of the OS. That’s just dumb. That you change the language of the app based on the OS language is a pretty basic thing and I’d even say UX requirement. However, having Canada as my only country option because my phone is in French is just idiotic. I am not to be expected to change the language of the OS for the app to work. Had it been the region of the phone, I’d almost have understood. But OS language is not a dimension you can base many UX decisions on. Besides language of the app.


MasterCard Worldwide
70.4 MB

Requires iOS 10.0 or later. Compatible with iPhone, iPad and iPod touch.


English, French, Polish, Portuguese, Russian, Simplified Chinese, Spanish, Traditional Chinese, Ukrainian

Age Rating


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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