I use Fold card instead for those cases. Pro tip: I pay all my bills through PayPal bill pay using my Fold Card, guaranteed 1% back in bitcoin if I don't want to use the spin future to possibly get more rewards.

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I usually take the 4% back in XLM because, it’s 4%! I’ll pay the $2.99 fee, for swapping it to BTC, for 4% back.

What a horrible/expensive way to stack. You do you!

I’m paying them with their own money. Like I said above, I get most of my Bitcoin by working for it. I pay zero fees accepting bitcoin for services rendered.