I really like the card by Cryptocom nevertheless there are some constrains.
Main advantage of Ruby Steel Card is that you can easily apply for. You will need to stake for 180 days (lock) 1000 CRO - native currency (app. 100-150 USD). For this incovenience you can get 2 % cashback (in CRO) and free Spotify (get back the equivalent of 9,99 USD). The delivery of the card could be longer amid COVID-19 pandemic.
Worth to mention that Ruby card is the basic card with basic advantages, there are better cards with higher cashbacks and more services (Netflix free, airport lounge, amazon prime etc.).
I have just one big issue with the comapny that they constanty changing their policy which usually harms community (changing rates, etc.). The central aspect of their decission is problematic. This could lead to serius issues such as dumping the price of CRO close to nothing.