You can get an Apple Card account and use it to make purchases directly from Apple without having an iPhone.
See the information in How to apply for Apple Card - Apple Support including the following footnote:
If you apply online, use a supported browser. To access and use all Apple Card features, you need to add Apple Card to an eligible iPhone or iPad that you own with the latest version of iOS or iPadOS. Then, you can manage your Apple Card on your device and make purchases anywhere Mastercard is accepted. If you don't add Apple Card to an iPhone or iPad that you own, you can only use your Apple Line of Credit for eligible purchases online and in-store at Apple.
As far as I know you can also use the Apple Card for pre-installed software such as Logic Pro or Final Cut Pro but that software is not included in the following list of products that you can buy with interest-free Monthly Installments. See: Products you can buy from Apple with Apple Card Monthly Installments - Apple Support
This is primarily a user-to-user support forum; other Apple users like you. You should check with Apple Sales Support at 1-800-MY-APPLE to verify.