Rewards have been 1% max for a while and most options are .5%. That is worse than many bank cards. I knew 4% was too good to be true but I figured they would at least come down to industry levels… The one thing coinbase does better is they put the rewards in your wallet whereas some banks put cash rewards in an account whey can actually expire if you don’t claim them soon enough.
Do you think rewards will go back up during the next bill run?
Additionally, do you think the coins coinbase auto selects for you will have positive price action? Seems like XLM is a popular option for them to pick for you. Might be better long term to pick BTC even if the reward is only .5%
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