Pocket > Phone > Double Tap pay button -> Tap
Pocket > Open Wallet > Take card out -> Tap
I suppose it's may be more convenient carrying just your phone and not your wallet but I prefer both. Or does America not have tappable Chip&Pin yet?
Ignoring very small shops that don't take cards at all.
What I meant is that I've not seen any other use for NFC apart from bus station adverts?