USDT and USDC are immediately ruled out as payment methods for me, because Ethereum has ridiculous gas fees that have costed me live money before.
Use USDT over TRON trc20, it's pretty cheap, even exchanges charge only $1 for it.
And speaking of cards, has anyone tried gate card? it's only available in the EEU.
https://www.gate.io/cardOld exchange, visa card, google pay ready, cashback 1% in usdt
Daily spending limit: 25,000 EUR
Monthly spending limit: 50,000 EUR
Annual spending limit: 250,000 EUR
Max ATM withdrawal per day: 1000 EUR
Max contactless payment per transaction: 50 EUR
Max total contactless payment: 150 EUR or 5 counts of contactless payments (before authentication is required; Click here for details about contactless payment)
Card Issuance: Free
Crypto Conversion: 0.9%
Foreign Transaction Fee (non-EUR, within Europe): 0.2%
Foreign Transaction Fee (non-EUR, outside Europe): 2%
ATM withdrawal Fee: 0%
Of course mandatory KYC, you can't do a thing on that exchange without KYC.