bitpay fees so high for small users - what about other coins with faster speeds and lower fees

I wanted to send $20 to my bitpay credit card so I sent $24 from coinbase to my bitpay account.
By the time it got in my bitpay wallet I had $15.88 and it said that trying to spend this small of an amount was difficult due to the fees being as much as the deposit.
If I sent this $15.88 to my bitpay card it said the network fee was $1.98 and the miner fee was $5.90 leaving $7.99 to be transferred.
I decided to just send it to my Trezor wallet and it transferred $14.04 to my wallet.
I read the small print on my bitpay card and I see they will charge me $5.00 every three months of no activity.
I realize that most people use this for large purchases and it allows persons to use their bitcoin for transactions but as I just started out small I realize they are making some large fees.
For a currency exchange it is much less expensive to transfer ethereum for instance which is much faster and cheaper.
I don't really believe bitcoin cash is the new bitcoin but maybe a little competition for speed and fees are a good thing.
Tenx is supposed to accept other methods of payment but it isn't yet available in the US yet but is supposed to be here this year.