I prefer neither. VISA has announced similar support for Cryptocurrencies in their cards in the future. I expect all of the larger credit card players to do the same. This market is too competitive, saturated, and dominated by large players that I would rather rely on using a card from a major player.
Chances are that you are right and people with more connections I.E. : Ethereum Alliance/Microsoft/Banks/Coinbase are already working on something similar as they have already dropped hints. Whether they will accept all the coins that are tenX platform is the question.
Both Monaco and TenX are used to destroy crypto value into fiat. TenX has a limit on withdrawl, but who's to say you can't have 10 TenX cards since there is an unlimited supply, this is an obvious loophole that many people will gladly take advantage of, as the tier 1 verification is a joke.
TenX pays out dividends, but users won't recieve their cards until the end of September, then you can see it it's really worth holding or better to trade. I researched Monaco and i didn't read any benefit in holding the coin as it's only purpose was to pay back the initial investors from the ICO. If anyone knows the purpose of monaco coin other then that please share.