Yes I have the ruby card, I had to stake about $250 in CRO (gains are about %14 yearly), you get %2 cash back on spending. The free spotify you just get back in $12.99 CRO coins monthly.

I would like to upgrade to the jade green card, you have to stake 10k CRO which is a lot. But you get %3 back and 12.99 + netflix 12.99 back in CRO monthly. Plus you get like %16 APR on the 10k CRO. So you are getting about $35 back in free money just for holding the card! Crazy.

I believe this CRO token will go up in value, I am from the USA and this was the ONLY crypto card I could order.