[They should offer both really. Personally I'd prefer to use it as is. You can carry money forward rather than never being quite sure how much you have available.
Xapo cards direct converted. Bitpay cards worked the same as wirex. I used the bitpay one more
With Shift is now.. dead, do you think Bitpay will continue opening their card service?
http://cryptographicasset.com/an-obituary-for-coinbases-shift-payments-card/