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“Reader Questions” are answered twice a week by TPG Associate Editor Brendan Dorsey.

Mobile wallets are becoming more prominent and many banks and tech companies have made their own versions of the tools. TPG readers Fred and Andrew want to know about Chase’s version, Chase Pay, and how they can use it…

How does one use / link Chase Pay to Samsung Pay? Can you do a tutorial on how to add Chase Pay to or the Walmart app?

TPG Reader Fred and TPG Reader Andrew

In 2016, Chase launched its own mobile wallet called Chase Pay. Unlike Apple Pay or Samsung Pay that use NFC readers (where all you have to do is tap your phone to pay), Chase Pay employs a clunky QR code to pay in person as well as online at select retailers.

Right now, Chase Pay can only be used at just a few dozen large retailers — which isn’t a whole lot, especially when compared to its competitors. However, Chase frequently runs promotions where you can earn bonus points or statement credits for using the app or even adding cards to the program. Right now, the Chase Freedom earns 5% back up to $1,500 (or 5x points if you have a linked Ultimate Rewards earning card like the Chase Sapphire Preferred Card) on all purchases made through Chase Pay for Q4 2018. You can also redeem Ultimate Rewards points for purchases (although not at a great value) and order ahead at restaurants in the app.

So how do you add cards to your Chase Pay account? It’s actually quite easy once you download the app, which is available for both iOS and Android devices. Start by logging in using your existing Chase username and password.  Once you’ve logged in, your Chase account information and credit cards will automatically be loaded into the app.

To specifically answer Fred’s question, Samsung Pay and Chase Pay teamed up over the summer to allow eligible Samsung smartphone owners to to link their Chase Pay information with Samsung — therefore allowing Chase Pay to be used wherever Samsung Pay is accepted (currently available at millions of retailers). There’s even reportedly a targeted offer where you can earn $25 after linking your Chase and Samsung wallets.

To link your accounts you’ll want to follow this three-step process:

  • Download Chase Pay on your Samsung phone and sign-in with your Chase username and password.
  • Make sure you have the cards you want already loaded into Samsung Pay.
  • Link Chase Pay and Samsung Pay in the Chase Pay app by clicking “complete setup” under the Samsung Pay Description and then hit “Add card” in the Chase Pay app.
Image by Brendan Dorsey / The Points Guy.
  • To pay with Chase Pay through Samsung Pay, tap “Pay” in Chase Pay, then tap “Pay with Samsung Pay” and make sure to use an NFC reader (not the Chase Pay QR code).

By paying this way, you should be able to stack any awards that you earn through Chase Pay’s promotions in addition to earning Samsung Rewards.

We’ve also had questions about how to add Chase Pay to checkout through — upon checkout and under “enter payment method” click “+More.” You’ll see an option for Chase Pay; click that and enter your Chase log-in info. Then select the card you want to use to pay (most likely the Chase Freedom, given the Q4 bonus) and you should be good to go.

Even though it might not feel like a normal way to pay, always make sure to keep an eye out for mobile wallet promotions, as they can easily get you massive value for incredibly little effort. For instance, the US Bank Altitude Reserve Visa Infinite Card earns you 3x points (4.5% back towards travel) on all mobile wallet purchases.

Thanks for the question, Fred and Andrew, and if you’re a TPG reader who’d like us to answer a question of your own, tweet us at @thepointsguy, message us on Facebook or email us at

Featured image by The Points Guy staff.

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2018 TPG Award Winner: Mid-Tier Card of the Year
Chase Sapphire Preferred® Card



CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners

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More Things to Know
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 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, 60,000 points are worth $750 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
Intro APR on Purchases
Regular APR
18.24% - 25.24% Variable
Annual Fee
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent Credit

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.