Long-story short:
If you get an SAS EuroBonus Mastercard AND a Crypto.com Visa Debit card, you can top up the debit card with 0% fees, and get both EuroBonus points AND cashback on your purchases. What is more, you can also get free Spotify and Netflix.

If you have any questions feel free to reach out to me on Instagram.

My experience

I’m always looking for new ways to earn the most points and rewards possible from my spending. There’s a new combo I have been testing out for over a year and it’s turning out really nicely.

In 2020, I got a Crypto.com Visa Debit card which I started to use to get FREE Spotify and 2% cashback. The trick: I needed to deposit 4000kr ($400) for 6 months. The good news is that I not only got a lot of cashback and Spotify, but also the money I deposited turned into $4000.

The interesting part is that you can “top-up” this debit card with ANY credit card with NO fees. So I started using my SAS EuroBonus Mastercard Premium to put money on my debit card, and realized that I was getting points for each money transfer.

Here’s an example top up of €205 to my Crypto.com Visa debit card:

It shows up as “CRO Topup”, and it earns you 20 points per 100 kr. If you consider €0.02 per EuroBonus point, this represents €8,26 in rewards already (from the initial €210 I loaded).

Then, on my debit card, I made a purchase at the supermarket for 1240kr, which shows up as €123,8 on my debit card:

On this transaction, the card reimbursed me €3,67 (3% on my purchase) in CRO tokens. You can convert this tokens to EUR o USD right away and use them to pay for more stuff.

In summary:

I paid and bought 2066kr (€205) worth of stuff, which earned me €8,26 in points AND €3,67 in cashback. This means €11,93 in return, or nearly 6% of your money back.

How can I get this rewards too? What does it cost?

Since there are many versions of the Crypto.com Visa Debit card and many flavours of the SAS EuroBonus Mastercard, here I propose 3 options depending on how much you want to spend and how many rewards you can get.

Option 1: THE MOST REWARDS — 3% cashback, FREE Netflix and Spotify every month, 10% interest on your money AND SAS EuroBonus Points. Insane!

Combine a SAS EuroBonus Mastercard Premium with a Crypto.com Indigo or Jade debit card.
With this option you can get FREE Spotify, FREE Netflix every month
Cost: The Mastercard costs 1495kr every year, and the Visa Debit card has no maintenance, but to get the benefits such as 3% cashback, FREE Spotify and FREE Netflix every month you need to stake or “deposit” €3500 worth of CRO for 6 months.
If you decide to deposit this amount of money, they will give you a 10% annual interest rate on it! (in CRO tokens, paid weekly). This means that after a year of this depositing you will get at least €3850 back or more if the value increases.

Option 2: MEDIUM REWARDS — 2% cashback, FREE Spotify every month, AND SAS EuroBonus Points.

Combine a SAS EuroBonus Mastercard Premium with a Crypto.com Ruby debit card.
With this option you can get FREE Spotify every month.
Cost: The Mastercard costs 1495kr every year, and the Visa Debit card has no maintenance, but to get the 2% cashback and FREE Spotify every month you need to stake or “deposit” €350 worth of CRO for 6 months.

Option 3: LOWEST REWARDS, BUT THE CHEAPEST — 1% cashback and SAS EuroBonus Points.

Combine a SAS EuroBonus Mastercard World with a Crypto.com Midnight Blue debit card.
With this option you only get 1% cashback but no Spotify or Netflix.
Cost: The Mastercard costs 198kr every year, and the Visa Debit card has no maintenance and no hidden fees. You don’t need to deposit money to get 1% cashback.

Steps-by-step:

Sign-up and apply for a Crypto.com Visa Debit card, I wrote the steps here. If you use my referral code you can also get a $25 bonus. Follow the steps and you’ll get it in the mail a few weeks later.
Apply for a SAS EuroBonus Mastercard, choose the variant you want (World or Premium)
Top up your Visa Debit Card with your SAS Mastercard in the Crypto.com App.
Start buying with your Visa card, you’ll get the cashback automatically!
IF you decided to deposit money in the account, don’t forget to change your payment method in the Spotify and Netflix sites to the new Crypto Visa card. They’ll refund those payments automatically.