For years, my financial life looked exactly like most people's.

I had accounts with traditional banks. I used their credit cards. I accumulated points. I paid annual fees. And I accepted the idea that this was simply how money worked.

Then I started getting paid in crypto.

As someone who works remotely and receives income in USDT, I suddenly found myself asking a question that traditional banks weren't really built to answer:

Why am I constantly moving money between platforms just to spend it?

That question eventually led me to Amulets, a crypto card that lets me spend crypto anywhere Visa is accepted while earning crypto cashback on every purchase.

Two months later, it has become my primary card.

Here's why.

The problem with traditional banking rewards

Before using Amulets, I split most of my spending between traditional banks.

I had a Nubank account, but since I wasn't part of any premium rewards program, I wasn't earning anything meaningful from my spending.

I also used Inter Black, which gave me access to points and benefits. The problem was that those benefits came with a cost. To qualify for the rewards program, I was effectively paying close to R$800 per year.

And for what?

Most of the points eventually became small statement credits that barely impacted my finances.

The more I thought about it, the less it made sense.I was paying to earn rewards that weren't particularly valuable.

Getting paid in crypto changed everything

When you receive your salary in crypto, you start seeing money differently.

Every month, I was receiving USDT and then moving it through multiple platforms before it finally reached my bank account.

Exchange > Bank > Card > Spend.

The process worked, but it felt unnecessarily complicated.

That's when I started looking for a crypto card.

Not because I wanted to speculate.

Not because I wanted another crypto app.

I simply wanted a better way to use the money I was already earning.

Why I chose Amulets instead of other crypto cards

Amulets wasn't the first crypto card I tested. Over the years, I've tried several alternatives. Some charged hidden spreads. Others had complicated fee structures. Many felt like products designed for traders instead of everyday users.

The biggest difference I noticed with Amulets was the user experience. The app is surprisingly simple. There's no information overload. No confusing dashboards. No endless menus trying to convince you to use features you don't need. Everything feels intentional.

As someone who spends most of the day working with technology, I appreciate products that respect my attention.

Amulets does exactly that.

Using a crypto card for daily purchases

Initially, I thought I would use the card only while traveling.

That lasted about a week.

Soon I started using it for:

• Restaurants

• Groceries

• Coffee shops

• Streaming subscriptions

• Online purchases

• Everyday spending in Brazil

Today, it's my main spending card.

And that's where the crypto cashback became surprisingly interesting.

Why crypto cashback feels different

Most traditional rewards programs give you points.

Crypto cashback gives you an asset.

Every purchase I make generates Solana (SOL).

After roughly two months of normal spending, I've accumulated around 2 SOL.

At current prices (06/15/2026), that's approximately US$150 worth of rewards.

More importantly, I own the asset.

I can keep it. Transfer it. Spend it. Sell it. Or simply hold it.

That flexibility makes a huge difference compared to traditional rewards programs.

The long-term math of crypto cashback

One of the reasons I like receiving cashback in Solana is that I'm not thinking about today's value. I'm thinking about accumulation.

Let's imagine someone earns 1 SOL per month in cashback.

After two years, that's:

• 24 months

• 24 SOL accumulated

At a SOL price of ~US$70, that would be worth US$1,680.

But that's not really how I think about it.

What makes crypto cashback interesting to me is the possibility that those rewards can appreciate over time.

Imagine if Solana returned to US$250, a price it has reached before. Those same 24 SOL would be worth US$6,000.

Or imagine someone who started accumulating SOL when it was trading around US$10 and simply kept holding. The value of those rewards today would look very different.

Of course, there's risk involved.

Nobody knows where Solana will be six months from now, one year from now, or five years from now. The price could go higher, lower, or stay exactly where it is.

But for me, that's part of the investment thesis. I'm choosing to hold an asset I believe in.

And that's what makes this different from traditional banking rewards.

With a traditional cashback program, I would probably redeem the rewards, spend them, and forget about them. With crypto cashback, I have the option to accumulate something that could potentially grow in value over time.

The best part is that it's completely optional.

If I wanted to, I could sell my SOL cashback immediately and use the money. Nothing forces me to hold it.

But personally, I prefer to keep it.

I'm already spending money on things I would buy anyway, such as groceries, subscriptions, flights, restaurants, everyday purchases. The cashback is simply a bonus on top of spending I was already going to do.

So instead of thinking about it as "cashback", I think about it as a passive accumulation strategy.

The rewards just sit there. Month after month.

And one day, I'll open the app, look at that balance, and see what time and the market have done with it.

Customer support still matters

One thing that's easy to overlook when comparing financial products is customer support.

At some point, every user needs help.

I did too.

Whenever I contacted the Amulets team, the response was fast, clear, and genuinely helpful.

In a world where many fintech companies rely entirely on automated responses, that level of support stands out.

Is a crypto card worth it?

Two months isn't enough time to make grand claims.

But it's enough time to know whether a product deserves a permanent place in your financial life.

For me, the answer is yes.

I can receive crypto.

Spend globally.

Earn crypto cashback.

Manage everything from a simple interface.

And avoid paying expensive annual fees just to access mediocre rewards programs.

For the first time, my spending feels like it's contributing to something bigger than reducing next month's credit card bill.

Every purchase helps me accumulate an asset I actually want to own.

And that's why I switched from traditional banking rewards to a crypto card.

I haven't looked back since.