In your opinion, Best token that you WOULD use for day to day transactions or to load a card with

So I'm curious as to what the community as a whole is doing.

Lately I've taken note of my spending habits and how I use crypto. I've caught myself gravitating towards LTC for holding and then when I need to load my card I use that to load the CDC card.

I'm not sure why I do it with this particular token but it made me think and question if that was really the best coin for this usage? I'd prefer not to hold fiat which is why I'd rather hodl a token.

I'm relatively new to crypto in general but I was curious as to what others do?

Edit: So I just checked and with $60.25 worth of XLM if I load the card then I get $59.30 loaded.

LTC $38.66 is the value and $38.13 would get loaded.

Currently. Do these ratios change at all?

edit2: Checked Algo but CDC doesn't allow a direct load of Algo and would have to swap to USDC or something first.

Just out of curiosity anyone mess with CRO doing this?

edit3: can't load CRO directly to card either... that's a major CDC oversight it seems.

edit4: Doge $9.06 value and loaded is $8.86

edit5: ADA $21.12 in value and loaded $20.65