My Wife tried to do this, it doesn’t work. And it rendered her Apple Card blocked.
She had to make a couple of calls to Apple to get it unblocked. Turns out its a known issue.
The Virtual card is working but today while at a restaurant and a Shell gas station her physical card was declined while my AC worked.
**She is again on the phone with them for 15 minutes… still ongoing.
BTW credit approval etc is certainly NOT a problem.