I did some math looking into Crypto.com's debit card staking rewards to guage how long it takes for them to break even

First off let me say I personally hold CRO in my portfolio as my biggest bag so I am in a position where CRO's growth and success will bring me personal gain (my personal goal is to upgrade to Icy White) so I am biased yada yada and all that. I am not a financial advisor but if you must know, I did graduate high school which means I am able to do math using a calculator. Math is not as biased as I am, but you are welcome to check my work, I appreciate correcting any mistakes.

For this I am using $1100 as the average monthly spending because that's what a quick internet search said was the average for rent USA in 2020, this is $13,200 per year. Reality is more expensive than this but for the sake of keeping reasonable expectations I will just use that for the math as a baseline. I am also not accounting for any CRO price fluctuations because the rebates and cashback spending are scaled based on spending USD amounts using the card.

Ruby: $400 in CRO

• 0% card stake interest
• 2% cashback: $22 per month or $264/year
• Spotify: $12.99 per month or $155.88/year
• Yearly Total: $419.88 (or $155.88 without cashback)
• Breakeven: 348 days (or 2.57 years without cashback)
• Return of investment: 105% per year (or 39% without cashback)

Jade/Indigo: $4,000 in CRO

• 10% card stake interest: $33.33 per month or $400/year
• 3% cashback: $33 per month or $396/year
• Spotify: $12.99 per month or $155.88/year
• Netflix: $13.99 per month or $167.88/year
• Yearly Total: $1,119.76 (or $723.76 without cashback)
• Breakeven: 3.57 years (or 5.53 years without cashback)
• Return of investment: 28% per year (or 18.1% without cashback)

Icy White/Rose Gold: $40,000 in CRO

• 12% card stake interest: $400 per month or $4,800/year
• 5% cashback: $55 per month or $660/year
• Spotify: $12.99 per month or $155.88/year
• Netflix: $13.99 per month or $167.88/year
• Amazon Prime: $12.99 per month or $155.88/year
• Yearly Total: $5,939.64 (or $5,279.64 without cashback)
• Breakeven: 6.73 years (or 7.58 years without cashback)
• Return of investment: 14.8% per year (or 13.2% without cashback)

Obsidian: $400,000 in CRO

• 12% card stake interest: $4,000 per month or $48,000/year
• 8% cashback: $88 per month or $1056/year
• Spotify: $12.99 per month or $155.88/year
• Netflix: $13.99 per month or $167.88/year
• Amazon Prime: $12.99 per month or $155.88/year
• Yearly Total: $49,535.64 (or $48,479.64 without cashback)
• Breakeven: 8.07 years (or 8.25 years without cashback)
• Return of investment: 12.4% per year (or 12.1% without cashback)

Not Included in the math:

• CRO price changing over time
• 10% back on CRO pay rewards up to $5 per month
• Increased crypto earn interest rates for Jade/Indigo, Icy/Rose and Obsidian
• +2% additional crypto earn interest paid in CRO for Icy/Rose and Obsidian
• Airport lounge access for Jade/Indigo, Icy/Rose and Obsidian
• 10% rebate for Expedia for Icy/Rose and Obsidian
• 10% rebate for Airbnb for Obsidian

Conclusion:

With so many marketing partnerships involving multi-year contracts that extend across a range up to 20 years I can imagine this company continuing to existing for a very long time. Staking to get a CRO card isn't like normal investing where you don't get any returns until you eventually cash out either, instead you are getting interest paid out every week and monthly rebates on a consistant basis while using a cool stainless steel debit card. 180 days after staking if the value of CRO has gone up you can re-stake to pull out the extra CRO if you want to and if the value has gone down you can just keep it staked without losing the card tier benefits. If you use the card long enough in theory it should always pay for itself after a certain amount of time assuming that Crypto.com doesn't start removing incentives.

Only stake what you can afford to lock down for atleast a long enough time frame that you eventually reach the breakeven point, or consider the return of investment percentage and compare that to the staking yields that you get with other cryptocurrencies.

Edit #1: Added ROI percentages