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One general issue I would have with Apple Pay is that I use credit cards that give me specific rewards such as money back or airline status-related benefits. Of course, there's no reason that Apple Pay couldn't be tied into similar reward programs but until it is, anyone who currently uses a reward card is likely to keep pulling out the plastic rather than bump the phone.

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According to http://www.apple.com/iphone-6/apple-pay/:

> Apple Pay works with most of the major credit and debit cards from the top U.S. banks. Just add your participating cards to Passbook and you’ll continue to get all the rewards, benefits, and security of your cards.

Ahh. Thanks. I realized it worked with the existing credit card processing networks but didn't know it worked with the actual already issued cards--but, thinking about it, it makes sense that it would have to. (Given that it's the actual card issuers that determine credit worthiness, etc.)

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