Depends on where you live. In Canada I use Shakepay

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Anyone know of USA options?

You're also not spending #bitcoin on your shakepay card. Only CAD

you can keep a bitcoin balance and just trade to CAD when you want to spend.

Fair point

I'm in the US

Cake Wallet, but certainly don't use for your main stack. You can offload into gift cards, etc.

Also heard good things about bitrefill...

You could also look into using Bitwage, and split pay between Bitcoin, usdc, etc...

Currently using Bitwage, so can personally testify their service is spectacular.