Hey thanks for the warning, I definitely did not read about xapo at all. Was recommended by a friend so i forgot to double check it 
Could you recommend an alternative to xapo ? I mean for the visa card that you can withdraw $$ at an atm from bitcoin, or make purchases?
Could you recommend an alternative to xapo ? I mean for the visa card that you can withdraw $$ at an atm from bitcoin, or make purchases?For spending bitcoin, you should at least consider using a wallet that gives you control of the private key first.
Desktop wallet like Electrum is fine with me at the moment.
Hardware wallet is fine too, if you use it for spending (but I do not recommend it if it's for cold storage).
Xapo is a 3rd-party service provider that does not even give the user any control of the key.
You can check this out @ https://bitcoin.org/en/choose-your-wallet
Mobile wallet and web wallet should be 100% avoided.
So I would say go for desktop wallet and/or hardware wallet for spending only.