AmEx Explorer Vs Crypyo.com Visa

Hello all,

I currently am using:

• 1 Amex Explorer (always pay in full every month, earn 2 pts/1$ for daily including bill but with % charge per transaction). Yearly spending, I can earn myself ~120k point, more or less. Amex Points best use is for travel (which hopefully in 2022 onward)

• 1 Jade Green Crypto.com Visa (pre-paid) - 3% cash back (in CRO) for almost daily purchase including internet/phone bills. Estimate my yearly spending is 60k, I can earn back 1k8 in CRO (well, crypto value is roller coaster so I will not count it here)

Using these 2 cards together is a no brainer to me since I can have the best of both world (free Spotify, Netflix, free Airport Lounge….). I will also using Amex to pay electrical/gas bills as well as some other purchases that CRO Visa is not offer cash back.

But for the remaining, I still not sure which card is the primary for daily use like cafe, shopping, eat out, fuel…to maximize return.

Any input would be appreciated.

Thank you