Haven't heard a compelling, broadly-applicable reason to pay with Bitcoin instead of a card. Cards have consumer protections and reward programs.

The big one is micro transaction. Card fees make it inefficient to work with a high number of small (say $0.25 or less) transactions, Bitcoin solves that.

I totally agree. Consumers won't miss their protections and rewards there either. But at the same time, it's a relatively small niche. So if that's "the big one" then it's hard to see Bitcoin competing with cards more broadly.