Centra as moves in leaps and bounds in actual usage of their card. One of my buddy used it last night. There are obvious leader in this card race. that is spendable crypto through easy to use card. Tenx is also a very good one
Not sure I would describe a token that is still in its ICO stage (for the next 15 hours) as an "obvious leader in this card race". Their app doesn't even go into beta for another few days.
Not saying it wont become big because it does look good, just thats its clearly not leading the card race at the moment.