short answer, get a physical card

long answer, if you have a digital only card, you can't fallback to chip insertion for payment if the contactless payment method fails. At least with a physical card, you can insert the card and sign or enter the 4 digit pin

coolguy99 can also get

1. GX debit card (1% cash rebate until mid-2025)
   
2. TnG ewallet debit card (2% until end of this year). but might not be worth it bcos of the debit card fees