I received my Crypto.app VISA Ruby after 2 months of waiting and gave it a try to see how I can maximize spending that would amount to a cashback.
First I paid in a postal mashine for delivery package under 2 Eur. Crypto.app cachback in CRO that eas equal to 2% of that spending arrived instantly.
Then I paid at a gas station and again, the exact 2% equal cachback in CRO arrived instaltly in the Crypto.app.
Next I tried to pay with Ruby for some crypto in Binance, however, the card was not accepted without any clear reason for the error. Not sure if it is still Binance issue as neither of other bank cards I tried to assign to Binance worked.
However, seems that mostly Ruby does exactly as promised!