You're not supposed to _use_ the physical Apple Card. It's not just that the card is unusual or somehow hard to use, the whole service is designed to reinforce

You're not supposed to _use_ the physical Apple Card. It's not just that the card is unusual or somehow hard to use, the whole service is designed to reinforce the fact that the card is a "worst case scenario" for paying: You get only 1% cash back when you use the physical card, but you get 2% cash back when you use the virtual card in Apple Pay. You're (not-so-)literally losing money when you use it! The card is supposed to be a conversation piece, not your primary form of payment. Because metal cards have previously been the privilege of the upper classes, Apple's continuing its trend of trying to sell "affordable luxury" by offering this card to basically everyone. It's a promotional tool to get people to sign up for the card, and then start to use Apple Pay more. It's 100% form, and it was _meant_ to be form, this article is kind of missing the point.