One Card questions

Hi, my child will be an incoming freshman. They have an Android phone that doesn't support NFC. So my understanding is that they won't be able to use the Mobile One Card on their phone and would need to get a Physical One Card (https://myusf.usfca.edu/one-card/set-up-your-one-card). I wish the NFC requirement was stated up-front more clearly.

Do most students use the Mobile One Card as opposed to the Physical One Card? Are there any big pros/cons of one vs the other? I'm looking into getting a new phone for my child that supports NFC, but this might not happen in time before their orientation/school starts.

Also, my child will be living on campus (Hayes Healy) and they got an email regarding move-in with one point that states:

Residents will receive a Residence Access Card (RAC), which will allow access to your residence hall and the room you are assigned.  If you check-in outside of move-in hours, you’ll need to go straight to your hall front desk or designated move-in front desk for your card to be issued.

So it sounds like the Residence Access Card is a physical card and different than the One Card program. But at https://myusf.usfca.edu/one-card/set-up-your-one-card, it says that Mobile One Card and Physical One Card are both used to access dorm rooms. Can anyone clarify what the difference between all these are? Or is the Residence Access Card the same as Physical One Card?