Crypto.com Ruby Steel Debit

This card is worth a look if you prefer spending from a debit balance rather than using a credit card, and you already value CRO rewards. The core proposition is straightforward: 2% back on general spending, with much stronger returns on Spotify and Netflix up to the monthly caps. For a card with no annual fee, that can be useful for someone who wants simple ongoing value without managing rotating categories or a long list of perks.

For most readers, though, the fit depends less on the raw earn rate and more on whether a crypto-linked debit card matches how they want to manage money. If you want cash back, broad travel protections, or premium card benefits, this is not built for that. It makes the most sense for someone comfortable earning CRO, using the card for day-to-day purchases, and treating the streaming rebates as the main extra reason to keep it in rotation.