Mastercard Pay with Rewards is a free Android app that allows cardholders to use their rewards points like cash at participating locations globally. This app lets users connect their Mastercard card and set up when and where their rewards points will be redeemed. Users can use their cards as usual, and if they choose to redeem points, they will receive a statement credit to their card.

To get started, users need to enter their Pay with Rewards-enabled Mastercard card number and establish a four-digit app PIN. After that, they need to answer security questions, and the home screen will show their points balance, the cash equivalent of their points balance, and their current Pay with Rewards setting. Users can then turn Pay with Rewards on for subsequent purchases, or they can choose from recent purchases eligible for redemption under Activity.

It is worth noting that Mastercard Pay with Rewards is only available on certain Mastercard cards, and users need to check with their issuer of the card for availability. If users have questions or are unable to proceed, they should contact the issuer of their card.