Thanks. I will have to look into that. I hate having these extra apps on my phone. Of course I had just been using my work phone for many years and couldn’t have those apps,on it.If you put the app on your phone, you can just scan a QR code in the store and it automatically loads it to your card. I really should do that myself. There have been times when I see a "digital deal" in the store that I didn't see or forgot to load to my card from home.