Watch what merchants do with the 2% savings. I promise you won't see a dime go toward lower pricing. If cards aren't worth the price, don't accept them. No question ApplePay is not geared toward engendering loyalty except for loyalty to Apple -- ApplePay does raise the cost of acceptance (for now). CurrentC is not bad, but it's not geared toward customers nor customer loyalty -- that's all. (Well said Bob Skattum!)