Whats actually the best crypto card in 2026 gonna be cause im done with exchanges

Been holding crypto since 21 and my new years resolution is to finally stop letting it just sit in wallets doing nothing. I'm tired of the whole routine, move to exchange, convert to fiat, pay fees, wait for withdrawal, then actually spend it. Feels like were missing the whole point if we cant use it like actual money
Been mostly holding usdt and some btc but the friction of spending it has kept me just hodling. Now im seeing more options pop up where you can supposedly spend stablecoins directly at regular merchants without the conversion nightmare. Some cards let you connect external wallets and spend anywhere visa works which sounds legit if the fees aren't garbage

the main things im looking for

works in the us without sketchy workarounds
doesnt charge insane conversion fees
lets me spend usdt or btc without moving through three different platforms first
actual visa/mastercard acceptance not some proprietary network nobody uses