Cards with many elements create too much noise individually and merge into a single noisy lump in a group. In this flow of small elements, the user will not find the main thing. The fewer elements in a card, the easier it will be to read.
Keep the card simple, and the fewer elements in it, the more effective its role is.
If an image separates it from the text, the heading in the card will be disconnected from the meaning. It is better to place the heading after the image to connect it to the card's text or other main content.
It is always striking when the card has an image in the background or just a cover image at the beginning of the card.