the plastic cards are always costly to load because the vendor has to pass through many types of transactor. They will have to get money from you into your local currency and then they will convert it into the crypto currency. This is goes with exchange fees to bank as well as crypto server. The next thing would be loading your card with actual crypto coin, that means they will be sending manually the coins to your address which will get the confirmation fees. After this procedure you will be using the card to transact offline for which they will pre-pay to the block chain to cover the instant confirmation fees. This might be giving you so much trouble loading your bitpay card. Better use normal cards until the problems of mining fees gets to lower side. Otherwise loose money if your are rich enough.