Though I advise against keeping a lot of value in online wallets (which is my issue with Lightning as well), ByBit has this awesome MasterCard linked to their wallet.

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Yes I think lightning is mostly as pocket money. For card payments I am using nostr:npub1wvspcey72fkea672jymfa28qzlqmlhafv0uzu3zppmtx7mwy5lkscv33pu Visa cards connected with NWC