No. "X Card" and "Card with X reference" mean the same thing.
At least that's what the REG seems to say. I'd argue that AoCP is a Matthew card despite not having a Matthew reference, but it's not listed. Of course, the only card that needs that entry is Matthew (Di), which specifies Matthew reference. The wording is a bit inconsistent between REG entries - some say "found in the book of X" and some say "X reference", but I don't have time to look up which referring cards use which wording.
Regardless, I think "X Card" and "Card with X reference" mean basically the same thing except for referenceless cards which are the former but not the latter.
