I played both, but the one I picked first was keeping the card :) It's not the "wisest" decision, but that's what video games are for :D
You're 100% right! I've been asking this question a lot and almost everyone keeps the card, despite (I believe) my bias for not keeping it showing in the text. I *did* try to balance the endings out as much as possible so that the one I don't like didn't feel like a "bad" ending, as a bit of an afterthought tbh, and in hindsight I'm really glad I did 😅