Crypto.com vs binance credit card

Hey im looking into a cashback debit card and found crypto.com and binance as options in germany.

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However im a bit sceptical about crypto.com.

My issues with it are:

With ruby steel u get 120 Euro back in Spotify - no doubt a cool future.

The rewards are in cro - not a big fan of it because cro isnt as big as for example binance bnb - If i decide to trade my CRO and buy any other crypto currency i pay over 1-1,1% more. I compared the coin prices with Kraken, binance, coinbase. However crypto.com seems a bit higher.

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So technical yes the 2% is nice, but if i only have the ruby steel i look myself 350 Euro without earning interest + if i want to swap cro i might end up paying 1-1,1% more for the currency i want.

If i compared it to binance i can get 2% - 0,9% - so "real" 1,1% cashback and i wont end up paying a small premium (spread i guess) for the coins i get with it.

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However the red card is lit. And i also end up getting a small referal bonus.

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What are u thoughts about this specific topic. Im just torn between both of those cards. But going up to Jade is a no for a couple of years (money obviously)

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Greetings,