EtherFi's U Card is good:

1⃣️No card opening fee 1:1 USDC => USD

2⃣️3% cashback, currently increased to 5% for the promotion

3⃣️1% FTF foreign exchange conversion fee

4⃣️Supports Apple Pay & 3DS

Cons:

1⃣️No physical card

2⃣️Must have overseas residency, not sure if Palau is feasible

3⃣️3% cashback is in Scroll, must sell in time or it will go to zero

Review:

Recently a great card, take advantage of it first, withdraw immediately when cashback decreases.