Lots of privacy trade offs with the credit card, for such small gain in Bitcoin terms. I get it, you're hard core, but pragmatically it doesn't make sense.
Discussion
Just take a small long position to cover the cash you need to keep on hand. That way your 'melting ice cube' is covered by the long, and you get the benefit of the privacy of cash.
I guess it depends on what your privacy concerns are. If it's on the vendor side, X1 allows you to make anonymous virtual credit cards you can load into Google/Apple pay.