When it comes to bolded part, nothing beats Binance card. The biggest downside is that you will have to go through KYC on Binance in order to get one, but if that isn't a problem for you then that's the way to go if you want to spend crypto in an easy way. 

I've been using it for about six months now and I am pretty satisfied with it. Daily limit is quite big (~8000 euro), fee only 0.9 (default 1% cashback basically covers that),works on every ATM (daily limit for that is only 290 euro) and is pretty reliable. It will get occasionally denied for no obvious reason, but other than that it works pretty good.

I think that it's a good thing that Ledger is getting into debit card market as more competition should mean lower fees and better service and that's what we all want.