kevincox , 15 days ago

1. I can usually pull out my phone faster than taking a card out of my wallet.
2. Phone-based cards typically have significantly higher limits than physical cards. (I can tap hundreds of dollars with my phone, only about $100 on my card.)
3. The phone needs to be unlocked which is safer than the card which just needs to be tapped with no other authentication.
4. One less thing to carry around.