The Samsung Pay Rewards program has lost lots of value recently. Just a year ago they cut the earning rates and then devalued points. Now there’s more negative changes with lower limits on points that you can earn on each transaction. For the Platinum level, you’re now limited to 3 points per transaction, down from 20 points. Points earned on gift cards purchases have been increased to 30 points at least. There’s not much value left in the program.