Could you even get the card you’re about to read about? That question eliminates more of this market than any cashback percentage does. Binance’s card is really a Brazilian product with some regional extras bolted on. BitPay has been running a new-applicant waitlist for over two years. Nexo and Gnosis Pay never left the EEA and UK.
This is why the guide for the best crypto cards service operates differently. Geographical preference comes first, since it shortlists everything else from the start. Secondly, custody is important since it determines whom you trust with your funds. Cashback comes last since what is listed in the ad and what is received are quite different.