Occasional loader: Charging card necessary or rich apps?

Hello together, if everything is going well, a Peugeot 3008 plugin hybrid will soon find its way into our household. In order to prepare myself I have already loaded various apps and registered with two providers (EnBW Mobility+, Get Charge) as a “opportunity loader”. With both providers you can order a physical charging card at an extra cost. Now the question of questions to the people with experience from the practice: Do you even need physical charging cards or it works like the apps just as easily? At various charging stations nearby, both the app and the RFID charging card would work. Thanks for an experience.