Perhaps you do need a different card reader/writer, but that remains to be seen.|
Double-check your cards to make sure that you haven't slid the write-protect tab into the protection position.
I'm not sure exactly how the PhoenixCard program works, but its "startup" setting could have a meaning not only for the burn command, but also for the formatting command (as different types of image usage may need different format variations).
I use a built in card reader/writer on my own PC, and this works fine with PhoenixCard.
But I set the software to "startup" mode before the formatting, and then kept it so during the burn with the Android image as well. I also selected the Android image before starting the formatting, and depending on how the program works, that might affect some aspect of the formatting (if it can vary depending on the image to be installed).
I'm not saying that my way is right and yours wrong mind you. I'm just telling you how I did it, with successful results. So here are my steps again:
1: Start PhoenixCard
2: Insert the card in the reader/writer
3: Select the Android image file for PhoenixCard use
4: Set the "Write Mode" to "Startup"
5: Click the "Format to Normal" command
6: Wait for formatting to complete
7: Click the "Burn" command
8: Wait for end of burn
9: Perform 'safe removal' of the SDcard (removable drive gadget in system tray)
But I suppose some computers may have a pure card reader (so no write ability), or one that simply isn't compatible with this software or those cards, for whatever unknown reason. So if the above procedure consistently fails you probably do need an external reader/writer to make it work properly.
Btw: Another thing to remember is that some formatting errors may leave you without any working partition on the drive, in which case it may not have any drive letter, as needed to select it in PhoenixCard. But you should still be able to do repartitioning and reformatting of the card by using Windows' disk manager. I've had to do this myself on some occasions in the past (not connected to Banana Pi). For such cases I recommend formatting the entire card to a single NTFS or FAT32 partition, so as to give PhoenixCard a 'clean slate' to work with.
Best regards: dlanor