- Contactless cards allow you to make a purchase by tapping your card on 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 used cards frequently for purchases, you may need to adapt to a slightly different system. Many major banks and credit unions are offering more contactless payment options. Contactless payments let you buy things with a few quick clicks instead of inserting or swiping a card.
Below you will find a list of banks and
credit unions
which now offer contactless debit cards. These banks and credit unions are also featured in our top guides.
1. Affinity Plus Credit Union
How it works: Affinity Plus Credit Union offers contactless debit and credit cards. If you are an existing member who has a bank account with a debit card, you will receive a new contactless card once your current card expires.
2. Alliant Credit Union
How it works: You’ll get a contactless debit card if you have the Alliant High Interest Chequing Account or the bank’s Teen Chequing Account. However, Alliant does not currently have contactless ATM cards.
3.AmericanExpress
How it works: You will be eligible for a contactless debit card if you open the American Express® Rewards Chequing 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 bank account. Contactless credit cards are also available at the bank.
5.Capital One 360
How it works: You can 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 will need to open the Schwab Bank High Yield Investor Checking® checking account.
7. Pursuit
How it works: Chase offers contactless debit cards and credit cards. You will need a Chase bank account to open a debit card.
8. Citibank
How it works: Some Citibank debit cards and Citi credit cards are contactless.
9. Connexus Credit Union
How it works: You will be eligible for a contactless debit card if you open the Connexus Credit Union Member Savings Account or the Connexus Xtraordinary Chequing Account.
10. Consumers Box
How it works: Consumers Credit Union offers debit cards and contactless credit cards. Contact customer service to request a card.
11. Indiana’s First Internet Bank
How it works: You can 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 Chequing Account or Champion Chequing Account to receive a debit card.
13. Federal Navy
How it works: Navy Federal offers contactless debit cards and credit cards. Contactless debit cards are issued if you open a Navy Federal checking account.
14. Federal Pentagon Credit Union
How it works: The Pentagon Federal Credit Union offers contactless debit cards and credit cards. You will first need to open a checking account to get a contactless debit card.
15. PNC Bank
How it works: You need to apply for any PNC checking account to get contactless debit cards. You can also open a contactless credit card at the bank.
16. Premier Members Credit Union
How it works: The Free Chequing Account for Premier Credit Union Earn Big members includes a contactless debit card.
17. Bank of Regions
How it works: CheckCards, Now and regional credit cards are all contactless cards. Region control charts are supplied with the regions
check accounts
. Now the cards are prepaid debit cards offered by the bank.
18. Sophie
How it works: The SoFi World Debit Mastercard is contactless. You can get the card if you open SoFi Checking and Savings.
19. TD Bank
How it works: TD Bank offers 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. American Bank
How it works: You must first open a US Bank checking account and then apply for a US Bank Visa debit card, which is contactless.
21. Vystar Credit Union
How it works: You will be entitled to 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 allows you to get a contactless debit card if you open a checking account. Credit cards can be opened online, but you will need to be a credit union member.
Frequently Asked Questions (FAQ)
What is contactless payment?
Contactless payments allow you to make a purchase by tapping the top of a device or payment terminal. Numerous
big banks
and credit unions are now offering contactless debit and credit cards on a larger scale.
How does a contactless card work?
Contactless cards work almost the same as standard cards. If you make a purchase online, the process remains the same. You can use the back of your card to make a payment. You can also make a payment via
Pay Apple
or another virtual wallet.
If you make a payment in person, you tap another device or payment terminal instead of inserting or swiping the card. You can still insert your card if the reader is not yet compatible with a contactless card.
Nic Peterson, vice president of payment systems at Affinity Credit Union, told Insider that your transaction speeds are different with a contactless card.
“It’s a noticeable difference. When you press it, part of the transaction is done much 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 receive your card information.
“The information printed on the front or back of your card, they don’t get it and store it. They get a separate unique code that tells them if you have enough money available or not,” says Peterson.
Peterson adds that contactless cards also provide additional layers of security to prevent fraud.
“If your card isn’t inserted anywhere, fraudsters have no way of accessing your card information,” says Peterson.
