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RE: Companies that you can use to spend you cryptocurrencies via credit and debit cards
Spectrocoin and Wirex don't have working Credit Cards right now because of the latest Wavecrest problem...
One company you didn't mention is Payeer (ref link), which I found when looking for alternatives for my stopped BTC Cards. you can check my post about it here.
Bitcart seems an interesting website.... Have to check it!!
You are right that Spectrocoin don't have a credit card but a pre - paired card. Glad you liked my post and helps a little and see you around on Steemit