Ok, repeat that but in a foreign country.

I would have to use a credit card that earns slightly worse points for the rest of the trip?

I've had my bank overnight a credit card to my hotel overseas before. Not an issue at all, simple to cancel with a toggle in the app or website. Also had them send a new debit card once because I grabbed an expired card without paying attention and couldn't get cash from an ATM once I got to the overseas location. I get foreign cash from my bank before leaving now. For countries that allow it.

You’re welcome to think otherwise but I think that’s pretty annoying

It happens to me maybe once every 5-10 years, whereas I open and close various credit card accounts several times a year. So for me it would be far more irritating to have to add and remove cards from my phone's virtual wallet several times a year than to potentially have to order a replacement card once every few years. Most phone wallets also don't give an option to provide a nickname for cards, which is extremely irritating if you have multiple cards from the same issuers, whereas with physical cards it takes a couple of seconds to add/remove cards from my wallet, or to make a note on a card with a sharpie.

> I open and close various credit card accounts several times a year

Crazy to me but ok