Interesting question. For me it really depends on what I'm recharging. There is no one-size-fits-all solution.
For most of my regular marketing tools and services where I want some level of anonymity or need to pay international vendors, I almost exclusively use crypto now. Specifically USDT on the Tron (TRC20) network. The fees are incredibly low and the transfers are nearly instant. It's become the unofficial standard for a lot of services in this space.
For trialing new services or for platforms that only accept credit cards, I use virtual credit cards (VCCs) from a service like Revolut or Wise. It's a great way to manage subscriptions and avoid linking my main bank card to dozens of different sites.
For my very few trusted, long-term vendors, like my primary hosting provider, I just use PayPal. It's convenient, but I try to limit my exposure to it.
Gift cards are a solid option too, especially if you need total anonymity, but I find crypto to be more flexible these days.
