Why ever use an apple account card vs apple card?

1. The Apple Account is the balance contained in your Apple ID, normally from gift cards you redeem or funds you add directly. If it's been added to the Wallet App, it can be used to make purchases using Apple Pay in Apple Stores and at the online Apple Store only. Otherwise the balance there can only be used for purchases in the iTunes and App Stores. click here ➜ Add your Apple Account Card to Wallet on iPhone - Apple Support
2. The Apple Cash card, is just what it sounds like. A debit card where you keep funds. It can be used for purchases anywhere Apple Pay is accepted. It also stores the money you get from the Apple Card cash-back program for eligible purchases if you have not set up the Apple Savings Account. click here ➜ Apple Cash - Apple
3. The MasterCard Apple Card, is a credit card, which you can use to purchase things anywhere Apple Pay is accepted and will offer cash back on eligible purchases between 1 and 3%. click here ➜ Apple Card - Apple

What do you mean by "Apple Account card"?

Apple only offers the Apple Card for payment. It's a Credit Card with cash back options on many purchases.

You can add your own cards from banks and 3rd party issuers to the Wallet app.

Not struggling at all. You can use Apple Pay at any merchant that accepts Apple Pay and Tap-To-Pay (TTP). If you see either of these symbols your good to go. Market penetration in US is approaching 90%. One of the largest holdouts, Krogers, has started slowly phasing it in.

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