Best crypto card in 2026 for actually using my holdings?

I’ve been holding crypto since 2021, mostly BTC, but honestly I’m getting tired of just letting it sit there.

Every time I want to actually use it, it feels like a whole process. Move funds to an exchange, convert to fiat, deal with fees, wait for withdrawals, then finally spend it. At that point it barely feels convenient anymore.

I’m starting to look into crypto cards because some of them now claim you can spend BTC directly at normal merchants. Some even say you can connect an external wallet and use it anywhere Visa or Mastercard is accepted, which sounds good if the fees aren’t terrible.