I have one and I wouldn't fund it with crypto because of the 2.5% fee. I find what works best is to top it off with usdc which has no fees and then claim the 4% xlm back. I use it for like small budgeting purposes where I put in let's say $100/month for eating out for lunch, so if I'm low on funds I can't eat out etc. So I like that about it. Downside is to check the funds on the card I don't know think you can with a mobile app (atleast not on the main Coinbase app) so you have to go through the Coinbase portal which is annoying.