When I'm ready to pay for my purchase, I click the proper button on my Phone twice, allow my phone to scan my face and then hold the phone near the store's credit card scanner. A bell rings and I'm done. All my purchases are stored in my phone together with a running total. I can print out a statement if I want to. I have a hard copy of the Apple Card in my wallet but I haven't used it.
Yesterday, I paid for lunch with my iPhone / Apple Card and the young girl working the counter was impressed. She asked for a complete explanation and I was delighted to explain.
When my Dad was well into his Nineties, he would consider all the new developments being introduced almost daily and his typical response was, "What do I need it for". I'm not at that stage yet and I don't really need an Apple Card but I'm still trying to keep up with all the latest developments and I'm glad I have it.