ROI on cashback crypto cards

Hi r/CryptoCurrency

Hear me out, my intend is not to shill anything to you. I'm just putting out an offering in the market which seems a no-brainer to me and I'm curious what y'all think about it and if there are other/even better offerings out there.

I want to present a clear overview to you about the value you can extract out of the CDC, Cronos VISA card program. CDC launched a new campaign in which new or upgrading card holders can receive a reimbursement (paid in CRO) on Apple products via the official website. The important sources to digest all benefits and terms & conditions are the CDC Visa card program and the (Limited Edition) Apple product campaign.

To get a grasp of all benefits related to the card I quickly constructed a spreadsheet which calculates the return on your investment (ROI), to make it more comprehensive I provide you with the following example:

- Imagine you are not yet familiar with CDC but you want to invest (more) into Crypto. Assumption 1: Let's say you want to invest $4000. Assumption 2: On average, you spend around $750 on groceries, clothes, leisure time activities, travelling, ... with the VISA card.

With $4000 dollar you can apply for the "Royal Indigo & Jade Green" Visa card. This Visa card tier will give you 2% cashback on all your expenses made with the card and around 4% staking rewards on your locked-up investment of CRO. Other rewards include a reimbursment of your Spotify and Netflix subscription for the first six months. With the Apple campaign, you also enjoy a reimbursement of $800 on Apple products, paid back in CRO.

Example ROI

By filling in both the "Royal Indigo & Jade Green" Visa card with an average monthly expense pattern of $750 in the yellow cells, you end up with a Return of Investment of 32.52% on the $4000 dollars invested after 1 year. So, if CRO would hold the same price throughout the whole year, you will end up with a risk-free profit of $1300 dollar just by using the card and enjoying its benefits. The ROI is calculated on a one-year-basis + the calculated ROI will even be higher if you enjoy all benefits since I did not include Rewards+, Earn+, Expedia, AirBNB, Airport Lounge, Private Jet partnership, Welcome package, ... because of complexity reasons.

What do you guys think about such an offering and are there other offerings out there that I don't know about? Just trying to make informed decisions!

Thanks for reading. :)