You should trying getting a debit card that let's you exchange your bitcoins and other cryptocurrencies at a great rate and so you'll be able to practically make your payments with crypto at every merchant that accepts a VISA/MasterCard. Try using Wirex for example.

I used to use a service similar to Wirex but I have to say it's quite difficult to rely on as after a while VISA and MasterCard shuts down their network once they find they are using crypto. Its a good idea, just not bulletproof.