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It says ready to spend in seconds on the website so I assume it's available once there's 3 confirmations. I guess I'll find out in 7-10 days when I get my card. ATM fee seems pretty standard for what you would pay anytime you use one that's not from your bank, so that doesn't bother me at all.
I use a wallet with coinbase. I know a lot of people don't like the site because they don't let you buy stuff on the darknets, but I don't use it for that anyway.
I have a Shiftcard Visa
https://www.shiftpayments.com/ that's hooked up to my account. It instantaneously converts the bitcoin from that wallet to fiat currency. There is a ten dollar fee for the card and they don't charge me when I swipe.
I`m not sure about the cash withdrawal fee, but you can transfer the money into a bank account or credit union for a 1% vig.
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