Actually using your card for a different person who would check in at the property is a bit risky., but you can actually just do that as long as you are going to get in touch with the property the soonest possible time to advise them that the person who check in will use a different card instead to pay the reservation so they can change the credit card number on file. Safest
Safest way to make the call to the hotel after you booked a reservation is at least more than 72 hours for the refundable type of reservation.
But if you're trying to choose a non refundable reservation to get the lowest cost I suggest you think it over not just twice because even 3rd party reservations were not given info when the hotel will try to run your card to see if it works.
And another thing, there's also a refundable type of reservation that requires a deposit on a certain length of time, so make sure to read the policy 1st on each room you choose.