- Contactless cards let you make a purchase by tapping your card on top of a reader.
- Our list includes banks and credits that offer contactless cards.
- Contactless cards are secure and have a faster transaction speed than other cards.
- Read more stories from Personal Finance Insider.
If you’ve frequently used cards for purchases, you might have to adapt to a slightly different system. Many big banks and credit unions are offering more contactless payment options. Contactless payments allow you to purchase things with a few quick taps instead of inserting or swiping a card.
Below, you’ll find a list of banks and
that now offer contactless debit cards. These banks and credit unions are also featured in our best guides.
1. Affinity Plus Credit Union
How it works: Affinity Plus Credit Union offers contactless debit and credit cards. If you’re an existing member that has a bank account with a debit card, you’ll get a new contactless card once your current card expires.
2. Alliance Credit Union
How it works: You’ll get a contactless debit card if you have the Alliant High-Interest Checking Account or the bank’s teen checking account. Alliant currently doesn’t have contactless ATM cards, though.
3. American Express
How it works: You’ll be eligible for a contactless debit card if you open the American Express® Rewards Checking Account. American Express also offers a plethora of contactless credit cards.
4. Bank of America
How it works: Bank of America offers a contactless debit card if you open a Bank of America Advantage Banking Account. Contactless credit cards are also available at the bank.
5. Capital One 360
How it works: You may get a contactless debit card when you open Capital One 360 Checking®.
6. Charles Schwab
How it works: The Schwab Bank Visa Platinum Debit Card is Charles Schwab’s contactless card option. You’ll need to open the Schwab Bank High Yield Investor Checking® Account.
How it works: Chase has contactless debit cards and credit cards. You’ll need to get a Chase bank account to open a debit card.
8. Citi Bank
How it works: Select Citibank Debit Card and Citi Credit Cards are contactless.
9. Connexus Credit Union
How it works: You’ll be eligible for a contactless debit card if you open the Connexus Credit Union Members Savings Account or Connexus Xtraordinary Checking Account.
10. Consumers credit union
How it works: Consumers Credit Union has contactless debit cards and credit cards. Contact customer support to request a card.
11. First Internet Bank of Indiana
How it works: You may get a contactless debit card if you open a checking account with First Internet Bank of Indiana.
12. Lending Club
How it works: The LendingClub Bank debit card is contactless. You must open the LendingClub Rewards Checking Account or Champion Checking account to receive a debit card.
13. Navy Federal
How it works: Navy Federal has contactless debit and credit cards. Contactless debit cards are issued if you open a Navy Federal checking account.
14. Pentagon Federal Credit Union
How it works: Pentagon Federal Credit Union offers contactless debit cards and credit cards. You’ll need to open a checking account first to get a contactless debit card.
15. PNC Bank
How it works: You must apply for any PNC checking account to get contactless debit cards. You may also open a contactless credit card with the bank.
16. Premier Members Credit Union
How it works: The Premier Members Credit Union Earn Big Free Checking Account includes a contactless debit card.
17. Regions Bank
How it works: Regions CheckCards, Now cards, and credit cards are all contactless cards. Regions CheckCards come with Regions
† Now cards are prepaid debit cards offered by the bank.
How it works: The SoFi World Debit Mastercard is contactless. You may get the card if you open SoFi Checking and Savings.
19. TD Bank
How it works: TD Bank has contactless debit cards and credit cards. Order a contactless debit card over the phone or through online banking. Contactless credit cards are available if you book an appointment at your local branch or order over the phone.
20. US Bank
How it works: You must open a US Bank checking account first and then ask for US Bank Visa debit card, which is contactless.
21. Vystar Credit Union
How it works: You’ll be eligible for a contactless debit card if you open a checking account. The credit union also offers contactless credit cards.
22. Wings Financial Credit Union
How it works: Wings Financial lets you get a contactless debit card if you open a checking account. Credit cards may be opened online, but you’ll need to be a member of the credit union.
Frequently asked questions (FAQ)
What is a contactless payment?
Contactless payments allow you to make a purchase by tapping on the top of a device or a payment terminal. many
and credit unions are now offering contactless debit and credit cards at a larger scale.
How does a contactless card work?
Contactless cards work almost the same as standard cards. If you’re making an online purchase, the process remains the same. You can use the back of your card to make a payment. You’ll also be able to make a payment through
or another virtual wallet.
If you’re making a payment in person, you’ll tap on another device or a payment terminal instead of inserting the card or swiping it. You’ll still be able to insert your card if the reader does is not compatible with a contactless card, yet.
Nic Peterson, Vice President of Payment Systems at Affinity Credit Union, told Insider the speed of your transaction processes differently with a contactless card.
“It’s a noticeable difference. When you tap, a part of the transaction goes through significantly faster than when you insert it,” says Peterson.
Is a contactless card safe?
Yes, these cards are safe. Many contactless still have chips, which means the retailer won’t be getting your card information.
“The information that’s printed on the front or the back of your card, they’re not getting that and storing it. They’re getting a separate unique code that tells them whether or not you have enough money available,” explains Peterson.
Peterson adds contactless cards also provide additional layers of security to prevent fraud prevention.
“If your card is not getting inserted anywhere, there isn’t any opportunity for the fraudsters out there to gain access to your card information,” says Peterson.