I have a couple friends that have used the Xapo debit card for more than a year. Both are/were very happy with the quality of service, and it seems like there haven't been many issues regarding merchant acceptance or banking problems. Haven't used it personally, though. I spend my bitcoins as seldom as possible!

However, I should point out that Xapo upset a lot of its customers with their support of the Segwit2x fork. There was even a video/Youtube campaign by (former) Xapo card holders who destroyed their Xapo cards in protest. So, if you have strong opinions about Bitcoin forks, you may want to consider that before getting a card from them.