Are you still planning on returning to fiat? Well, I have 50% of my financial resources in cryptocurrencies, assets and the remaining 50% in fiat. I own wirex USD virtual card https://wirexapp.com/cards/ and bitwala Euro virtual card https://www.bitwala.io/card/ (visa cards). They both work very well for me. I pay for most things that I need online, so I use those cards. I'm patiently waiting for DASH mastercard to come out.
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In a distant future, hopefully :) Right now I'm more interesting into cashing in than out. You were very informative!