Functionally zero difference. It's much more of a difference that you suddenly have to trust the software wallet AND the card wallet. You double your attack surface. 

joko

Cards key isn’t resident in memory on the phone. The encrypted hot key is, when you have the app open. They’re different models.

bitcoin

Don’t bother with hardware wallets in card format

Cards key isn’t resident in memory on the phone. The encrypted hot key is, when you have the app open. They’re different models. 