Something to keep in mind is with a microSD card the connection between the card itself and your phone (well if it had a microSD card slot) is always going to be faster than using an external USB-OTG cable/adapter. The former involves soldered connections and copper wiring (a.k.a. traces) that millimeters in length, the latter involves a connection with the USB bus in your phone, an external cable or adapter device, and then the USB storage media, a chain that inherently involves a much more involved, longer path for data packets to travel across.
As for claims that microSD cards are just too slow, yes they're relatively slower than NAND Flash media chips (internal storage media) but still their still faster than USB. Also, if you have a really slow card, it's most likely quite dated and given their cost it's time just buy a newer, faster, (and as long as your device supports it) higher capacity card.