I'm not an Apple card customer either, but I use Apple pay with my cards usually on my watch, although once in a while it doesn't work at a terminal and I have

I'm not an Apple card customer either, but I use Apple pay with my cards usually on my watch, although once in a while it doesn't work at a terminal and I have to pull out my phone (which is annoying since facial recognition doesn't work with a mask on). I understand similar things exist for Android.