Glad to see you finally found a solution to your problem. If you haven't staked any CRO yet I would suggest that you don't, or stake the minimum for the next tier. They sliced benefits quite a bit from the time I staked my CRO, so I'm not sure the current benefits are worth the investment, even though you can unstake that CRO after 6 months (but you lose the benefits).
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I prefer to have to pay some fees for my card rather than to stake these tokens. It seems much more transparent like that. I know what it costs. With staking the costs are there all the same and they are not really visible. I'm happy I found this solution :-)
That's true. At first, I think they subsidized costs for their cards program from their huge marketing budget. But for more than a year they started to cut benefits to what is likely a more sustainable level.