Yeah, a card. A very inconvenient form factor compared to a key. I forgot that new cars use cards more and more. A key can be put in a pocket and never breaks. A card needs a holder to protect it.

You can always get a key fob, you just have to buy it separately.

I'll never go back to a car without being able to use my phone as a (reliable) key and store the credit card sized backup key in my wallet. Because it's just that - a backup key. In over two years I've used the key a total of zero times. And one thing I've noticed is that key fobs seems to become bigger and bigger, every year. Just look at the new Volvo key fob. It's the same size as AirPods charging case.

I don’t have one, but something I can just put in my wallet as opposed to another thing that needs to be in my pocket seems nice.