There are some card that is not a credit card? I mean, a card linked to a wallet where i deposit my btc and they apply the rate at the time i use it
You mean not a prepaid card. Credit card is something else.
I've read at Minexcoin that they (or somebody affiliated?!) prepare something like that: you fill your wallet with coins and the conversion to fiat happens at a purchase/withdraw and converts only the necessary to cover the spent fiat. But that's only a plan for now, afaik.
I don't know of other cards with this behavior...