if you're with TD or another bank that isn't supported you can get a stack Mastercard. basically it's a prepaid credit card which you can add to Samsung Pay the moment you register for it and they send a card too but you get a virtual one. and no it does not affect your credit. you can e-trans it money to use with Samsung Pay and they also have rewards. even if you are with a bank supported by Samsung Pay it's still worth checking them out. using this card with Samsung Pay worked out in France,Spain,US, and Canada as so far where I used it. they also have no fx fees.