Do I get an actual card or just have to pay with my phone?

Yes, you will be sent a physical card made out of titanium metal. Be aware that it will not have card numbers, expiration date, or CCV information on it anywhere. You can only get those on your iPhone.

If you feel that you need a physical card? You can request one in the wallet. Request and activate a titanium Apple Card - Apple Support

physical cards provide only 1 percent back

Will an actual card be sent to me?