I was using lastbit.io in 2021 and that experience was really great. They would give you a physical debit card that could be topped up via lightning, so I could go into a shop, look for something to buy, send the sats to the card and immediately use it to pay at the counter.

Unfortunately, that was just a test period for this service and lastbit.io closed the service after a year. Since then I'm looking for a comparable service that works in Europe.