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To know me is to know that I’m an impatient person. I hate waiting in lines, which is why I’m so thankful for things like Global Entry, TSA PreCheck and CLEAR, which have all saved me countless hours while traveling over the years. However, I try to save as much time as possible in my non-traveling life as well — shopping online to skip long lines in stores and even ordering my Dunkin Donuts coffee in advance every day via an app so it’s waiting on the counter. Whatever I can do to use technology to save time and hassle, I’m in.

Since I do most of my shopping online, I have been using the digital wallet Masterpass by Mastercard, which allows you to store your credit card and then check out seamlessly — saving time and also allowing you to get added protections for your purchase. It’s free to sign up, and most credit and debit cards are supported — even non-Mastercard products.

Here’s how you can use it:

Step 1: Visit and create and account for free.

Step 2: Add your credit cards and address.

Step 3: Shop online wherever Masterpass is accepted (including and

Your purchase will be processed via Masterpass, but you receive all points / miles as if it were bought directly from the retailer. For example, when purchasing via JetBlue, the transaction will still be coded as an airline so you get a bonus if you’re using a credit card with a travel or airline bonus.

You can also sign up to get special offers for Masterpass users. If you have an Android phone, you can download the Masterpass app, which will let you swipe your phone at checkout at participating retailers — saving you the time for digging through your wallet for cards, and also adding protection. The NFC technology transmits a unique token, not your actual card number, adding an extra layer of protection.

Simply put, Masterpass is a free tool that saves time while shopping and gives extra purchase protection — a no brainer in my opinion.

American Express® Gold Card

With some great bonus categories, the American Express Gold Card has a lot going for it. The card offers 4x points at US restaurants, at US supermarkets (up to $25,000; then 1x), and 3x points on flights booked directly with airlines or through It is currently offering a welcome bonus of 35,000 bonus points after you spend $2,000 in the first three months.

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More Things to Know
  • Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points at U.S. restaurants. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on
  • Earn up to $10 in statement credits monthly when you pay with The Gold Card at Grubhub, Seamless, The Cheesecake Factory, Shake Shack, and Ruth's Chris Steak House. This is an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms apply.
  • See Rates & Fees
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Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.