I wonder if any here can offer me a suggestion for a new card.

I have been using Spectrocoin's plastic card for a few weeks. To me it has been a good card because
Pros
 - no BTC deposit fee to Spectrocoin account
 - no FIAT transfer fee (from Spectrocoin account to MyChoice Prepaid Visa Card account)
 - Instant FIAT transfer from Spectrocoin to MyChoice card
 - Spectrocoin customer service has been very good and issued me free virtual AND plastic cards!
 - MyChoice android app shows me how much money I have on my card

However I am looking at new options because to me there is one big CON, Spectrocoin sells my bitcoin ~2.5% below the going market price! Obviously I know Spectrocoin needs to make money somewhere but I think 2.5% is too high. And because I spend Canadian dollar a lot of the time, the Visa 3% conversion fee means that I am losing about 5% of my coin value!

Does anyone have a suggestion for a card that either has lower foreign currency charges (for when I spend Canadian Dollar), or for a card that will offer me more $/BTC? I am open to buying a pricey plastic card if it means getting better rates for the next few years!

Thanks BTCTalk!