Staking the equivalent of EUR 350 CRO for 180 days is what I don't like and I would go with the red card as all the cards have 1% topup fee and only a cashback could compensate that. A half an year is too much in the modern dynamic world we live in.
Or I just withdraw to Revolut or any other visa card and save myself the troubles and the risks and the extra efforts & transfer fees as Crypto.com does not utilize HIVE, so there will be gas and trading fees adding to that.
You're right about the ZEN card, I feel something is slightly off about it and of course, Binance will introduce fees at some point, that is for sure.