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Payments and crypto cards
A crypto card spends coins by selling them for dollars at a company, then paying the shop. There is a fee, a spread, and a firm that can freeze the card.
The pipe
The shop is not paid in the coin. The card company sold the coin. Your reward points are marketing. The spread is the real price.
Freezes
The card is a normal card network plus a crypto firm. Either can stop it. A weekend freeze is a bad time to discover that.
Spending is not the same as holding keys. Read the fee schedule before you call it free.
Check yourself
Does the shop receive your crypto?
Usually no. A company sells it and pays the shop in ordinary money.
After this you can find the spread and the company that can freeze the card.