I set up my IPhone 8 Plus so it can be swiped as a credit card. No cash or plastic needed, as my credit card info is stored inside the phone.

Haven’t tried it yet, and not all retailers have an Apple Pay setup.

Doing most of my buying via Amazon anyway.

https://support.apple.com/en-us/HT204506#iphone

https://youtu.be/4I9MbIrlEUw