I use it with my

watch. I always try it first, and then, if I have to, pull out the debit card. It saved my and Mrs. thequik's vacation last year that started in Vancouver, BC (120 miles from home) because I tried to use my card "out of area" (yet it works with no flaws in Portland, OR, 180 miles from home or in Skagway, AK... Yeah, I know, it's a border crossing thing).
Using it first puts the store clerks on the defensive. When I ask if I can use it, as I used to, it puts me as if I'm begging them, but invariably, when it doesn't work on kiosks that work at other stores, where they have it turned on, the employees apologize because "they haven't turned it on yet".
I just smile, and let them know that it's the "cool way to pay". For those with the phones, it's just another thing to pull out, but since the Watch is on my wrist, it's just "pull up my sleeve, double click, and hold my arm over the reader" type action. I think I've sold at least 3 Apple Watches to people behind me in line in the last year.
So far, I've used it at:
Best Buy (Do they let you put gift cards in there? - That would be nice!)
Chevron
Albertsons
Walgreens
London Drug (in BC)
7-11 (in BC, not in the US)
Staples
Pandora Jewelry (The stores at the Alderwood Mall in Lynnwood, WA seems to have all the same terminals, only some have it turned on, and others don't)
Apple Store
McDonalds (don't go there anymore)
Vending machines at work. (odd thing... The CU that my debit card has the name of my employer in it, but the vending machines won't take the card, but will take it with Apple Pay.)