The physical Apple Card is a case of form over function
On another note my experience with customer service on the Apple card is absolutely abysmal. My card was locked on Monday probably because I'm traveling in Europe and that flagged some fraud detection algorithm. With any of my other cards I could resolve this in minutes with a quick SMS or at worst a phone call. Instead I'm still waiting for a call back from a representative that was promised to come no later than Wednesday.I guess I'll add this to the growing list of recent Apple products that look nice but are overdesigned and under engineered and functionally inferior to the competition.