Why the additional fee? Even though it is quite small by comparison to other card fees. USDT is a stablecoin, and the whole point of card brands integrating them as deposit methods is so that the deposit fee can be eliminated, as compared to just accepting Bitcoin or some other L1 cryptocurrency directly.
For 0.25% they are probably in favor use of Bitcoin as L-BTC instead of L-USDT, and I think this is not bad.
You have to pay small fees when swapping L-BTC to L-USDT in Aqua wallet, so it's better not doing that if you already have L-BTC..
I am reading now that fee is actually 1% for each transaction, with $1 being a minimum.
Other crypto cards I used charge even higher fees.