ok here is where i had seen about the fees for ANX card i made this in seperate " reply " so my above post still gets answered. https://www.cryptocoinsnews.com/ken-lo-ceo-anx-hong-kong-bitcoin-exchange-talks-bitcoin-debit-cards/
also here is the ones for xapo http://www.coindesk.com/xapo-faces-online-backlash-debit-card-fees/  thanks you i dont want to put anyone on the spot light i just want clear answer. Also what kind of regulation and protection do you all have for USA, thanks for answers and happy new year