I am not sure how it is in the States right now, but here in the UK many places will only except contactless payment. That is, paying with a debit/credit card that you tap on top of a card reader (note that you can't insert it but you have to tap it), or payment via Apple Pay/Google Pay on your phone (you tap your phone on the card reader and it charges your credit card account that you set up on your phone). It's not enough to have a chip-in-pin card, it has to be contactless. And they won't accept cash either. Of course this isn't true for every single establishment, but many restaurants, shops, coffee shops, museums, etc will now only accept contactless payment. Maybe it will change after the pandemic, but maybe not. I thought it would be helpful to warn people as it could really make your vacation difficult if you didn't have contactless or pay by phone option.
When I visited the States at Christmas last year I was surprised at how many places didn't accept Apple Pay. Here in the UK I use it to pay for all of my purchases that are under the limit set by the merchant (usually 30 or 45 pounds). I only use my regular (chip in pin) credit card to pay for groceries or items online.
I have been trying to get my mom to set up Apple Pay (it takes 5 minutes) on her phone for years as she is always trying to find the right change in pounds when she comes here... hopefully now with the pandemic I will have convinced her!
Happy travels :)