This card is unnecessary in most cases even you are white. It’s like when you order alcohol at a restaurant. They don’t usually ask for ID if you look old enough. You only need this card when you’re near other white people who are richer than you.
Yeah, there are a wide variety of card issuers with varying rewards systems and there are the occasional locations that only take cash. But we all still got one and even if we don't actively use it the social credit companies are tracking it.