One can load from a Visa or Mastercard in EUR or GBP with 1% fee and immediately withdraw to a SEPA bank account. Most EUR or GBP Visa or Mastercard credit cards don't provide more than 1% rewards, though if you have suggestions PM me.
A US-based card will work to load in EUR or GBP (USD isn't worth the 4% fee). However, for true MS you'd also need to figure out how to get the funds back to the US since Revolut won't withdrawal there. And factor in the "no FTF" margin from your card issuer, since you are doing the charge in EUR or GBP:
Foreign exchange rates discussion [FOREX]--all cards
Barclays Arrival+ won't add in the app.
Chase, Citi, and Capital One work fine.
So for right now you'll need:
1. US credit card with no FTF and probably >=1.5% cash back.
2. Non-US residency / address.
3. European bank account (in theory you could try paying a currency conversion place directly).