I'm wondering what the perks are for using the card if any?
I don't want to pay for a card if it has no benefits. But it does look better than Centuras card for sure.
So my ranking at the moment #1 Monaco, #2 TenX, #3 Centura (This is a really far Number 3 -- fees are high and card looks ugly)
There are 2 benefits I see:
1. For more than 1000$ spent / year you don't have to pay any monthly/annual fee.
I have a Wirex card, there I pay 1 EUR/month, 3% exchange and 3% FX fee; I have AdvCash, there each top up costs (Bitcoin gateway fee 10 EUR + each transfer onto card 1 EUR + their exchange rate is not great which means a hidden fee there) and they also have the FX fee 3%.2. This is very important for me: no foreign exchange fee. Many have an extra 3% fee here.
At Monaco, for a proper card you need to have some funds locked for 6 months. I don't know the project well enough to trust them those coins will not become dust in 6 months.
Unfortunately right now most cards I could get don't work because of the problems with Wavecrest. (VISA shut down a few weeks ago, Mastercard to be shut down in February)