It’s important to still keep a physical backup payment option or two in case a merchant doesn’t accept digital wallet payments. Depending on the digital wallet, you may also be able to add cards to make purchases from a computer or smartwatch. Condense your debit and credit cardsĭebit and credit cards can all be added to a digital wallet and converted to virtual cards when you input the cards’ information on the app. In addition to organizing your credit cards, a digital wallet can store other items that occupy space in your physical wallet.