Spritz allows to pay bills, make ACH transfer to your own bank account and it also has a virtual Visa debit/prepaid card. I have used it only to send money to my bank account; haven't tried the bill pay service. The fee is ~3%. If you use bill pay, it's .5% more expensive, so maybe it's a good idea to send the money to your bank account and pay from there instead.

It has light KYC: they ask for name, address, e-mail and telephone number, but they don't ask for documents or video call. They don't send any tax report AFAIK.

You can pay directly from your wallet to the on-chain address they provide. They don't support lightning network.

Another option is - head down to your local btc meetup and make (good) friends with someone looking to stack regular non-kyc btc

if they trust you (perhaps with a deposit) they could give you THEIR card details

then you just spend happily using their bank account and settle regularly using btc

win-win, no cashout / tax headache to consider

From what I understand, and what I would do if I did it, is to use Strike Bill Pay. I would move funds from my cold storage to my strike account a bit before the bill was due. It would help to schedule your credit card due dates to be around the same time. I have not done this yet though, but have been thinking about it. It's a stellar option at least to have.

@gmd has a clever trick with fold and paypal

you also forgot Bit Refill

The best thing you can actually do, is to find someone to pay bills for you with their fiat.

Probably best to find a new-coiner at a meetup and help them begin their stacking adventure.

I like Strike bill pay - works with auto drafts like utilities, credit cards, mortgage. You pay from your Strike BTC balance or Strike cash balance. If paying from BTC balance, you pay a fee to trade sats-to-fiat on the way out. Trading fees start at 1%, then go down depending on monthly trading volume