How do I get a physical card without owning an apple product? I only have a virtual card.

The only way I’ve found (in Apple Support) to request a physical credit card is to request it via your iPhone or iPad. Check this link below for information. There is a phone number at the bottom of the page. You can try calling.

Request and activate a titanium Apple Card - Apple Support

Sorry, there is no option to do that. Also, you can only use Apple Cad to make purchases directly from an Apple Store or online Apple Store. See the following from How to apply for Apple Card - Apple Support

If you apply online and don't add Apple Card to an eligible iPhone or iPad that you own, you can only use it to make eligible purchases online and in-store at Apple.2

footnote 2 - If you apply online, use a supported browser. To access and use all Apple Card features, you need to add Apple Card to an eligible iPhone or iPad that you own with the latest version of iOS or iPadOS. Then, you can manage your Apple Card on your device and make purchases anywhere Mastercard is accepted. If you don't add Apple Card to an iPhone or iPad that you own, you can only use your Apple Line of Credit for eligible purchases online and in-store at Apple.

The following may help with that. See instructions in: How to close your Apple Card account - Apple Support