America is very backwards in tech for daily life. About 2 years ago I was blown away when I arrived at the San Francisco airport and had to buy a train card with a Visa card; the customer service guy got flustered and pulled an old carbon paper swiper thing out from under the desk, and asked for my signature. In Australia it's all wireless payWave or PayPass. My Chinese GF uses her phone to pay for things and considers me old fashioned for using a card.
Umm when did you go to San Francisco? They've had BART ticket vending machines there that take credit cards for as long as I can remember.