Best App for using your smartphone as a credit card?

Anonymous
I finally got a smartphone. Which app is best for using your smartphone as a credit card at retail stores? I have seen people do it at Starbuck, for example.

Surprisingly, I could not get a straight answer from Mr. Google.

TIA!
Anonymous
The people at Starbucks are using a Starbucks app linked to a Starbucks rechargeable giftcard.
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