At the moment I'm using plastic USD card which I ordered via unichangeme exchanger. Card costs only 10 USD (9 EUR costs EUR card), unichange takes commission when I fund card with BTC - 2% (for EUR card - 1.2%).
When I cash out money via ATM I pay ATM withdrawal fee only 3.5 USD, possible to cash out 1k per 1 transaction, 2 transactions per day are available.

For those who need to pay online only they offer free virtual cards which can be funded with Bitcoin. At first I tried virtual card and after that decided to get plastic one.