Comment by prmoustache

I mean I used it in the past but the difference is minor in my experience.

It is a case of grabbing your card vs grabbing your smartphone and fiddling with it. That card could even be carried in one of those phones cases with a card holder.

The only major difference is in case of stolen phone vs stolen card. But every system has its drawback. It could be super annoying if you get your account suspended unexpectedly while you are away from home.

In my particular case I don't want a google account anymore and would hate relying on google to manage my payments so it is a no go for a start.