Not sure about them. I am using Coinbase these days because it is very helpful if you are in the States.

Although, I had some investment with them and their interest rates are not as marketed. But it works well if you loan Stable coins.
About the card IDK, but I have found a review here which might help

Crypto.com review

Besides, I think yelp and Trustpilot will also help you get a good understanding from people using it    Good luck spending Crypto