Home > Personal Finance > Top 5 Reasons to Use Chase Pay

Comments 0 Comments

It is no secret that these days, the finance industry is visibly different from what it was a mere ten years ago. From innovations in payments to innovations in how you relate with your bank to changes in how your bank relates with you, financial institutions are defying the restrictions that once defined them for many years.

Today, the popular saying ‘cash is king’ can be argued to be false as millions of people around the country embrace the digital products that are quickly becoming commonplace. From mobile wallets to mobile payment applications to universal credit cards that manage to combine our multiple accounts into one piece of plastic.

And as the rate of innovation continues to keep its pace, it is no surprise that the digital wallets and mobile payment applications are becoming more efficient with use. Also, as consumers we are becoming much more reliant on these new channels, shedding old behavior and adopting new spending habits.

Payment applications are now the norm for the majority of consumers allowing us to speed through checkouts everywhere and keep all our financial information in one place.

As mobile wallets keep growing in popularity, more players will inadvertently start trooping into the marketplace making it a bit difficult for new customers to know which is best.

Introducing Chase Pay, a mobile payment application built to help you save time and money. The application pre-loads your Chase Visa cards like the Chase Freedom or Chase Sapphire Preferred which you use in your everyday spending into one place making it easy for you breeze through checking out at restaurants, gas stations, coffee shops and even paying for items with your favorite merchants. All of these features come together to make Chase Pay a unique application causing it to stand apart from all other players in the market.

Having and using Chase Pay allows you to have Ultimate Rewards points which could be spent in order to procure a statement credit, order food or even pre-pay at your favorite restaurant.

Chase Sapphire Preferred® Card

Apply Now
on Chase's secure website
Card Details
Intro Apr:
N/A

Ongoing Apr:
17.99% - 24.99% Variable

Balance Transfer:
17.99% - 24.99% Variable

Annual Fee:
$0 Intro for the first year, then $95

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

Card Details +

So Why Use Chase Pay?

An important reason to use Chase Pay is the security it affords. We live in a digital age that is wrought with daily stories about millions being wiped out from accounts all over the world. To prevent such an occurrence, Chase Pay implements tokenization technology which substitutes credit card information with algorithmically generated numbers, which is called a token. This allows consumers to enjoy the essential safeguards knowing your data is never passed to merchants when you shop online or with the app.

And if that is not enough reason to use Chase Pay, here are top 5 things you can do through the Chase Pay app to help you get more than what you pay for:

  • No need to remember a new password: Chase Pay users log into the app using their Chase credentials, and their cards are automatically pre-loaded for convenience.
  • Save time and money when you pump gas: using the app, you can pay for gas before getting out of your car with just a few simple steps, and you can save money at participating gas stations:
    • Shell: Chase Pay app users can earn 35¢ per gallon in fuel savings on their next purchase, after their first 5-gallon fill-up at participating Shell stations when they link their loyalty account and pay at the pump. 20-gallon max.
    • 76: Save 10¢ per gallon on every fill-up when you download the Chase Pay app and use it to pay at the pump at participating 76 locations.
  • Skip the line when eating out: you can find restaurants close to you and order your food ahead of time, so it’s ready when you are. Thousands of great restaurants like Five Guys, Potbelly, and neighborhood places and popular chains are available. Plus, you can take advantage of special offers available in the app.
  • Link Chase Pay and Samsung Pay to get the most from both: Chase Pay customers now have the option to link Chase Pay to Samsung Pay and pay with the Chase Pay app at millions of merchants by simply tapping the payment terminal.
  • Pay with points and earn rewards: If you earn Ultimate Rewards points, you can use them at checkout for a statement credit to your account. You can also link eligible rewards programs and earn more points as you go.

Simply put, Chase Pay can be described as an all-in-one application that allows you to combine all your interests into one location. The application allows you to combine all your shopping, food, gas, rewards, coupon, payment and wallet applications into a one-stop sleek digital payment platform that gives you more bang for your buck.

Much more than a virtual wallet, by connecting all our digital wallets and loyalty cards, Chase Pay can be used at multiple locations across the country to get better access. From Walmart to Best Buy to 1800 flowers, there are multiple stores already signed up to ensure you have a seamless payment experience online, in stores or your favorite merchant applications.

Using Chase Pay also makes you a part of a very secure ecosystem. Chase is a mobile wallet that syncs with the Chase products you already use and trust. Chase does not share your account information with merchants whether you swipe, dip, tap, pay online or pay with your phone.

Finally, Chase Pay boasts of great user experience that is not easily found with other mobile wallets. In fact, using a wallet app to pay by phone has never been easier. And as the rate of innovation continues to increase, consumers can continue to expect new features, greater convenience, and exclusive rewards.

A great way to keep up with Chase Pay is by checking out the Chase media center. Chase Pay is a great way to get more than you pay for. You no longer have to worry about leaving your wallet at home as your cards are always with you. Learn more at chasepay.com.

Comments on articles and responses to those comments are not provided or commissioned by a bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by a bank advertiser. It is not a bank advertiser's responsibility to ensure all posts and/or questions are answered.

Please note that our comments are moderated, so it may take a little time before you see them on the page. Thanks for your patience.

Certain credit cards and other financial products mentioned in this and other sponsored content on Credit.com are Partners with Credit.com. Credit.com receives compensation if our users apply for and ultimately sign up for any financial products or cards offered.

Hello, Reader!

Thanks for checking out Credit.com. We hope you find the site and the journalism we produce useful. We wanted to take some time to tell you a bit about ourselves.

Our People

The Credit.com editorial team is staffed by a team of editors and reporters, each with many years of financial reporting experience. We’ve worked for places like the New York Times, American Banker, Frontline, TheStreet.com, Business Insider, ABC News, NBC News, CNBC and many others. We also employ a few freelancers and more than 50 contributors (these are typically subject matter experts from the worlds of finance, academia, politics, business and elsewhere).

Our Reporting

We take great pains to ensure that the articles, video and graphics you see on Credit.com are thoroughly reported and fact-checked. Each story is read by two separate editors, and we adhere to the highest editorial standards. We’re not perfect, however, and if you see something that you think is wrong, please email us at editorial team [at] credit [dot] com,

The Credit.com editorial team is committed to providing our readers and viewers with sound, well-reported and understandable information designed to inform and empower. We won’t tell you what to do. We will, however, do our best to explain the consequences of various actions, thereby arming you with the information you need to make decisions that are in your best interests. We also write about things relating to money and finance we think are interesting and want to share.

In addition to appearing on Credit.com, our articles are syndicated to dozens of other news sites. We have more than 100 partners, including MSN, ABC News, CBS News, Yahoo, Marketwatch, Scripps, Money Magazine and many others. This network operates similarly to the Associated Press or Reuters, except we focus almost exclusively on issues relating to personal finance. These are not advertorial or paid placements, rather we provide these articles to our partners in most cases for free. These relationships create more awareness of Credit.com in general and they result in more traffic to us as well.

Our Business Model

Credit.com’s journalism is largely supported by an e-commerce business model. Rather than rely on revenue from display ad impressions, Credit.com maintains a financial marketplace separate from its editorial pages. When someone navigates to those pages, and applies for a credit card, for example, Credit.com will get paid what is essentially a finder’s fee if that person ends up getting the card. That doesn’t mean, however, that our editorial decisions are informed by the products available in our marketplace. The editorial team chooses what to write about and how to write about it independently of the decisions and priorities of the business side of the company. In fact, we maintain a strict and important firewall between the editorial and business departments. Our mission as journalists is to serve the reader, not the advertiser. In that sense, we are no different from any other news organization that is supported by ad revenue.

Visitors to Credit.com are also able to register for a free Credit.com account, which gives them access to a tool called The Credit Report Card. This tool provides users with two free credit scores and a breakdown of the information in their Experian credit report, updated twice monthly. Again, this tool is entirely free, and we mention that frequently in our articles, because we think that it’s a good thing for users to have access to data like this. Separate from its educational value, there is also a business angle to the Credit Report Card. Registered users can be matched with products and services for which they are most likely to qualify. In other words, if you register and you find that your credit is less than stellar, Credit.com won’t recommend a high-end platinum credit card that requires an excellent credit score You’d likely get rejected, and that’s no good for you or Credit.com. You’d be no closer to getting a product you need, there’d be a wasted inquiry on your credit report, and Credit.com wouldn’t get paid. These are essentially what are commonly referred to as "targeted ads" in the world of the Internet. Despite all of this, however, even if you never apply for any product, the Credit Report Card will remain free, and none of this will impact how the editorial team reports on credit and credit scores.



Your Stories

Lastly, much of what we do is informed by our own experiences as well as the experiences of our readers. We want to tell your stories if you’re interested in sharing them. Please email us at story ideas [at] credit [dot] com with ideas or visit us on Facebook or Twitter.

Thanks for stopping by.

- The Credit.com Editorial Team