Coinbase was offering 4% with their debit card. It was nuts. I made some decent money off of that a year or two ago. They give you like 4 coins to choose from. (Now it's down to like 0.5%. Maybe it's introductory.)

Anyway, you literally bought USDC through Coinbase at no cost/fees, then spend. It was a no brainer, and you have no bill at the end of the month to worry about. Not to mention that you actively earn on the USDC you have on the exchange.