Coinbase and Crypto.com both offer debit cards. But they operate differently.

With Coinbase, you can directly draw from a crypto balance. I can choose, in advance, to spend BTC or whatever other crypto balance I have. This card has selected 0.5% cash back in BTC rewards.

With Crypto.com, you can load your debit card from a crypto balance. You're actually spending fiat. I use this card for small payments as I keep a balance of about $20. The card level I have pays 2% cash back in CRO coin.

However, the way I do larger spending is that I use my credit card. The credit card has more consumer protections and protects my debit card information from being stolen. As needed, I cash out BTC to pay the credit card.

In these three cases, I'm not spending my crypto directly. I'm using a fiat payment option that either automatically converts manually converts crypto to fiat. This entirely avoids the problem of finding merchants that accept crypto payments.

None of this, my balance, spending, top-ups, or transfers happen on-chain. As far as Bitcoin is concerned, these payments never happened. I'm spending exchange Bitcoin, not actual Bitcoin.