You Prefer to Pay by Phone
While you do receive a physical titanium Apple Card (and it looks great), you aren’t required to use it when paying with your Apple Card. Your iPhone and Apple Wallet can work together to allow you to use the Card easily at any Apple Pay point of sale. Just pay as you normally would with Apple Pay and make sure your payment method is set to the Apple Card.
As with other credit cards, you can also use it via your Apple Wallet online without needing to dig the Card out. It’s a nice change if you’re tired of getting out a card every time you want to pay, and don’t really have a credit card that you currently use in Apple Wallet.