ATMega1284p issues with SD Card

Using Arduino Microcontrollers
11

• High Voltage SD Memory Cards that can operate the voltage range of 2.7-3.6 V.
• UHS-II SD Memory Card that can operate the voltage ranges VDD1: 2.7-3.6 V, VDD2: 1.70-1.95V

Many SD cards will NOT work at 3.3V.

SD cards need 3.6V.

Seems to me these statements are inconsistent. The first one indicates the SD card should work down
to 2.7V. So, ????

To OP, I think your ckt is ok, as is. The problem may be that, when you use the SPI peripheral with -CS
other than the standard SS pin, you still need to set the SS pin = OUTPUT, else the peripheral will revert
to slave mode.