How to use the apple card without an apple product

Without an a required device, as stated in the Apple Card Terms & Conditions, you do not have an Apple Card MasterCard account. You have an Apple Line of Credit (Apple Store account) and you may use it to purchase items in Apple Retail Stores and online at Apple.com/store.

>>Using Your Account Without a Required Device

This section explains the differences that apply if you use your Account without a Required Device.

For example, if you do not apply for, add or maintain Apple Card on a Required Device, this section applies.

When you are not using a Required Device, you will not have access to the full experience, functionality, and benefits of Apple Card. We call this "Apple Line of Credit." The following provisions of this section will apply to your use of Apple Line of Credit:

• You will be able to access card.apple.com to: (1) manage your Account; (i) view your Monthly Statements; (i) access a copy of this Agreement; (iv) review your APR, DPR, and Margin; (v) view and manage earned Daily Cash; and (vi) make payments by initiating electronic fund transfers from a Payment Source Account. If you do not have an Apple Cash account, Daily Cash can be applied by you as a credit on your Account balance. To cancel a previously scheduled payment, please access card.apple.com or contact us.
• To be eligible for and maintain Apple Line of Credit, you must have: (1) an Apple ID associated with an iCloud account that is in good standing with Apple, as well as a valid email address associated with your Apple ID; (ii) Apple's two-factor authentication turned on for your Apple ID that is associated with your iCloud account; and (iii) a device that has a supported browser and is capable of accessing HTML websites to view and retain documents in commonly used electronic formats, including by downloading or emailing documents to an email account to which you have access. Supported browsers are Safari 7 or later,
• Firefox 34 or later, Chrome 37 or later, Opera 24 or later, or Edge 83 or later.
• If you have never provisioned your Card to a Required Device, you may only use your Apple Line of Credit to make certain Purchase Transactions at Apple Retail Locations or the Apple Online Store that we authorize and permit. In this case, you will only earn and receive Daily Cash on permitted purchases of goods or services directly from Apple. To earn and receive Daily Cash as otherwise described in this Agreement, you will need to use Apple Card with a Required Device.
• A Card will not be automatically added to Apple Wallet and you may not have access to a physical Card unless you add Apple Card to a Required Device in the future.
• You will be able to contact us as provided for or required by this Agreement, but to contact the Bank using Messages you will need to use an Apple device supporting Messages and send a Message to Apple, which will route you to the Bank for any Account related questions.
• Any written or electronic notice or communication we send to you will be effective as provided for elsewhere in this Agreement or when it is made available to you through card.apple.com<<

https://www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf

It is possible to get a physical, titanium Apple Card but you need a compatible iPhone with the latest iOS version to activate your titanium Apple Card. 

You can chat with a card specialist to get the answer to your question if you open this link:

https://getsupport.apple.com/solutions