i wanted to do an updated review after using my [crypto.com](https://crypto.com) visa card (ruby) as a daily driver for a month:
My original post can be found here: [https://www.reddit.com/r/CryptoCurrency/comments/o8tj4c/as_a_european_a_cryptocom_visa_card_honest_review/](https://www.reddit.com/r/CryptoCurrency/comments/o8tj4c/as_a_european_a_cryptocom_visa_card_honest_review/)
In my linked post ive talked about alternatives pros and cons and the reason i went for crypto.com
**TLDR** As germany doesnt offer any decent credit / debit card with cashback besides Amazon if u are a heavy shopper. I decided to go into the cryptosphere and binance and [crypto.com](https://crypto.com) are the only decent one available (Still waiting on maybe NEXO). Decided for the [crypto.com](https://crypto.com) ruby (Why? Check my linked post)
+ 2% Cashback
+ 10,63 Cashback in Spotify
+ Premium feeling metal card
+ referal program gives 25 USD for both sides
– u have to stake 350 Euro worth their Currency without interests
– Cashback in CRO (Can be swapped in any Currency details below)
– Debit Card u always have to top it up. Takes usually 24h until SEPA arrives
1 Month with my [crypto.com](https://crypto.com) ive also followed them a bit more. They got some really nice partnerships. One is Formula 1 the other is UFC (If im not mistaken UFC is a 10 years deal.) Im sure this will be a huge way to get more people into crypto.
Topping up my card usually is no hassle and i just use a template which takes 15 seconds to send the SEPA transfer and 24h til it arrives. I use CURVE as an APP so i can use my Card virtually. All in all my cards works fine virtually and physical. I had a few payments issues in super small shops like backeries and thats why i just carry my regular bank card (i could also use google pay linked to my bank account).
So far i got regular cashback worth 4 Euros, and additional 4 Euros for normal spendings (Fly ticket, new wallet…) – In germany using my bankcard would gain my zero money back (!)
Cashback is like payback it is instant.
Ive changed my payment plan in spotify and also received my spotify cashback instantly. Super rat.
I also recommended the ruby card to a few communities on reddit and gained referal money.
All in all i can say im super happy that im an early adopter to it. I have a set limit to spend money on crypto and i dont wanna increase it. With the cashback and spotify im able to put an extra amount of 15 Euros in crypto every month, for basicly free. Only risk is staking their CRO Coins, but as in every alt coin it can be risky. I’ve swapped my CRO for ETH and got a nice small bag of additional ETH.
Hit me up for any further questions!
EDIT: Obviously i only use FIAT and no Crypto. Paying with crypto isnt worth as it still swaps in between and fees are making it not worth.
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