There aren't any Steem credit/debit cards out yet, but its fairly easy to get your STEEM onto a debit card provided by bitpay. They have a debit card which you can get: https://bitpay.com/card/. It does use bitcoins, but with exchanges like blocktrades, you can easily convert your steem over to bitcoins and load your wallet up with bitcoins. Then you can just use that card like you normally will and there you go, a simple way to use steem. They do charge a 1% fee on transactions.