Someone asked and I have the answer: How to switch debit cards instant transfer
So what you do is go through the same process except there's a time where you can select another card towards the end. Trust the process and you will be satisfied.
Go to wallet>Select Apple Cash card>On the top right click on the three dots>Select the option to transfer to bank>Select the amount you wish to transfer>Click Next>A Default card will be selected that cannot be changed but its ok just click next again>You will be prompted to right click the side button on your phone to process the transfer and THIS IS where you change the card selection. Click on the card you want to transfer to>Right Click> and VOILA! It's done.
Hope this helps anyone who was frustrated with this process. I know I was for the longest time until I decided to try that today.
iPhone 11 Pro, iOS 16