Card will ping location but it doesn’t say where your house is. I can remotely lock my Google phone and trace it. Can’t do that with card. I think phone is a Much riskier endeavor.

I mean, I’ve never used Google Pay, so I can’t really comment on the functionality. But it is very easy to block card.

My point is that when you block the card, you have the opportunity to object to any purchase that wasn’t authenticated by you. Any contactless card purchase could be challenged. Meanwhile, any purchase where you used your PIN, or your phone, leaves you no opportunity to challenge it.

Furthermore, perhaps the most common form of card fraud involves friends and family. Such a friend could conceivably gain access to your phone and the details needed to make a transaction. If that transaction involves using your phone (which many close family members might have access to) then you will have no recourse with the card company. If you have a bunch of suspicious transactions that used your card PIN, you will be expected to explain them, but if yoiu have a bunch of suspicious transactions made with contactless cards then the default position is that the business has to explain them.

It’s a fairly subtle difference, but it is very significant. You’re on the back foot when you casually use your phone, compared to casually using a card.